Installment the active debt, is it worth it?

Active debt is one of the most dangerous ways to owe money and paying it off quickly is essential for anyone. Find out here if this type of debt is worth repaying and how you can get money to repay it once and for all.

Owing money to someone or the bank, for example, is no longer easy and generates a lot of headache for those in debt. Now, have you thought of duty to the government? This type of debt – known as active debt – can have worse consequences than paying credit card interest and can disrupt (and much!) Your financial life.

Knowing what this debt is, finding out quickly if you have any, and being able to repay it as soon as possible can make all the difference in not causing even greater damage to your budget.


What is active debt?

What is active debt?

Active debt is when a person has debts to the Public Treasury, at the Municipal, State or Federal levels. A late payment of IPTU or IPVA, for example, can put you pending with the Government and your name is on a sort of “list” of people who have active debts.

Once you have entered this list, there are some forms of collection adopted by the Government: currently, we have a lawsuit called foreclosure, which may lead to the attachment of money and assets. Another form of collection made by the Government and authorized by the Federal Supreme Court (STF) is the protest in notary’s offices and the inclusion of the name in the delinquent register , which can make it difficult for people to access bank loans and credit applications.

To sum up, we can say that active debt is the record of bad payers to the public coffers and this number grows every year. According to data released by the Attorney General’s Office of the National Treasury in March 2019 , the number of debtors of the Union reached 4.6 million, which involves a debt of $2.2 trillion, being considered unrecoverable 44.8% of debts.


Active Debt Installment

All active debt has monetary restatement, ie it is adjusted monthly by the SELIC Rate , which makes your debt even higher each month. Also, in this kind of pending, people suffer with interest, late payment, other charges provided for by law or contract and the legal costs and attorneys’ fees also fall on the debtor.

To make it easier to receive money, every year the Union, the states and the municipalities run active debt installment programs , so people can repay their debts and the government recovers a percentage of the money from debts that perhaps would not be regularized anytime soon.

But you may be wondering: is it worth repaying an active debt?

The answer is yes! Taking advantage of incentive programs, for example, you get cash or installment discounts and interest and penalty rebates can reach 90%. The big problem with joining the programs is that the payment period is usually short. So if you do not have the money, a tip is to opt for a secured loan – such as Astro Finance, for example – that has low rates and a longer term to repay the debt with the financial institution.


Who can request the installment?

Who can request the installment?

Anyone who is in debt to the Government can apply for the active debt installment as long as the agencies are willing to negotiate with the open installment programs. Always be aware of the edicts, as there are several advantages for those who can negotiate in the administrative phase.

Remember that before making any decision, it is very important that you evaluate your finances and make sure that you will be able to make payments on a regular basis. We have a financial education checklist that can help you put it all at the tip of your pencil and create good habits for taking care of your money.


Step by step to installment the active debt

debt payment

So if you want to repay your active debt, we will help you with this process:

Discover Your Active Debt

Discover Your Active Debt

First, it is important to know if you really have an active debt and to which body you are in debt. To check if you have an Active Debt with the Union – ie the Federal Government – just issue an Active Debt Debt Certificate . If the certificate does not come out, it means that there are outstanding debts and it will be necessary to go to the IRS to check what it is and regularize.

To find out if you have a debt with your state, simply click on the name of your state. Let’s direct you to the link needed to make the query:


  • Alagoas
  • Bahia
  • Ceara
  • Maranhão
  • Paraíba
  • Pernambuco
  • Piaui
  • large northern river
  • Sergipe


  • Acre
  • Amapá
  • Amazonas
  • For
  • Rondonia
  • Roraima
  • Tocantins


  • Federal District
  • Goiás
  • Mato Grosso
  • Mato Grosso do Sul


  • Holy Spirit
  • Minas Gerais
  • Rio de Janeiro
  • Sao Paulo


  • Paraná
  • Rio Grande do Sul
  • Santa Catarina

If your case is an active debt by municipality, you should consult directly with the City General Prosecutor’s Office or the City Hall.


Make the negotiation

debt loan

When discovering an active debt, there are two avenues for repayment: the first is to wait for a debt negotiation program and the second is to try to make the payment soon after discovery if you want to repay the debt at once. Whatever you choose, in both cases, it is worthwhile to seek negotiations and, above all, to make payment in a way that fits in your pocket.

You can choose to get a Astro Finance secured loan , for example, which you can borrow more than you need to pay off your debt and even make investments in your dreams. Trading expensive debt for cheaper debt can be a great strategy to protect your finances!

Getting out of debt with government agencies should be a priority for those with an active debt, as interest rates are so high and the financial implications can be very costly if the process extends too long and reaches the legal sphere. Seek to resolve this situation as soon as possible and escape further damage to your budget!