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💰 **DÍVIDA CADUCADA: o que o banco não te conta!** Muita gente não sabe, mas depois de **5 anos** a dívida pode **caducar** e o seu nome deve sair dos órgãos de proteção ao crédito. Isso significa que o banco **não pode mais manter seu nome negativado** por aquela dívida. Mas atenção: a dívida não desaparece totalmente, ela apenas **não pode mais sujar seu nome**. Mesmo assim, muitos bancos continuam tentando cobrar e pressionar as pessoas. #banco #dívida #ano #dica #informaçao
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