Have you ever wondered what happens if you don't pay IPVA? Many drivers leave this debt aside, either due to forgetfulness or lack of money.
However, the consequences of not paying IPVA can be very serious and cause many problems in your daily life. Let's explore what could happen if you don't pay this tax.
Fines and interest
The first impact of not paying IPVA on time is the application of fines and interest.
The late fine may vary depending on the state, but generally starts at around 0.33% per day, reaching up to 20% of the tax amount.
Furthermore, interest is calculated based on the Selic rate, which is the basic interest rate for the Brazilian economy.
Licensing Restriction
Without paying IPVA, you will not be able to license your vehicle.
Licensing is mandatory and must be renewed annually.
If your vehicle is not licensed, it will be illegal to drive, which may result in the vehicle being impounded.
Vehicle Seizure
Driving an unlicensed vehicle is a serious offense, subject to fines and vehicle seizure.
If you are stopped in a traffic stop and your car is behind on IPVA, the vehicle can be collected from the yard and will only be released after all debts have been paid, including IPVA, fines and yard expenses.
Name inclusion in Cadin
Cadin (Informative Register of Unpaid Credits of the Federal Public Sector) is a database where the names of individuals and legal entities with debts to the public sector are recorded.
If you do not pay the IPVA, your name may be included in Cadin, which makes it difficult to obtain financing and participate in public tenders.
Difficulty Selling the Vehicle
If your car's IPVA is late, you will have difficulty selling the vehicle.
The buyer will not be able to transfer the vehicle into their name until all debts are paid. This can reduce the car's sales value, as many buyers do not want to take on these debts.
Credit Block
In addition to having your name on Cadin, you may face problems with the Federal Revenue Service.
In some states, the Treasury Department may notify the Federal Revenue Service about the IPVA debt, resulting in your CPF being blocked.
As a result, you may face difficulties in obtaining credit in the market.
Active Debt Enrollment
When the IPVA is not paid, the debt can be included in the State's Active Debt.
This means that the State can take legal action to collect the amount owed, including blocking bank accounts and seizing assets.
Signing up for Active Debt also negatively impacts your credit score.
Insurance Problems
Some insurers may refuse to renew or take out insurance policies for vehicles with past due IPVA.
Even if the insurance company accepts it, in the event of an accident, you may face difficulties in receiving compensation, as the vehicle was illegal.
How to Regularize the Situation?
If you are behind on your IPVA, it is important to regularize the situation as soon as possible. Here are some tips on how to do this:
1. Consult Debts:
Visit the website of your state's Treasury Department or Detran to check the amount owed.
2. Trade:
Some states offer installment and debt renegotiation programs. Keep an eye out for opportunities to pay IPVA more affordably.
3. Plan:
If possible, carry out financial planning to avoid future delays. Make IPVA a priority in your annual budget.
4. Use Online Services:
Platforms like Zapay they facilitate the consultation and payment of vehicle debts, allowing installments and online payment.
Conclusion
Not paying the IPVA can bring a series of complications that go far beyond a simple fine.
From vehicle repossession to financial and legal difficulties, the consequences can be quite serious.
Therefore, it is essential to keep this tax up to date to avoid problems and ensure that you can use your vehicle without worries.
If you are behind on your IPVA, regularize the situation as soon as possible and avoid headaches in the future.
