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Instructions for avoiding customer defaults

22 de March de 2019

For entrepreneurs, one of the situations that most worries is the fact that customers are in debt. The so-called default is a problem that, if not well circumvented, can end up affecting the savings of the business itself. In view of this, we list some tips of what to do and even what to avoid doing so that the default is less and less in your establishment:

  •  It is possible to differentiate the value of the products depending on the form of payment. It is possible to sell a product in cash by X, by the debit card by Y and by the credit card by Z. This is allowed by law and serves so that the customer has great advantages buying the view, thus, avoiding that in the future there is a defaults, since the amount was already paid at the time of purchase;
  • Opt for cash and card (debit or credit). If the customer goes through a financial problem and can not pay the bills for his or her debt, your company will normally receive payment from the credit card company, and that debt will be between the bank and the customer;

  • If it is not possible through money or card, the most recommended is that it be through a promissory note, soon after check and only lastly the “notinha”, that paper that the company notes the value in the act of the purchase without great formalities;

  • This form of purchase, for “net note”, is important to avoid, since this form of payment is usually very informal, without information relevant to a future collection;

  • If there is still an over-the-counter purchase, it is extremely important that it indicate the maximum information of the products sold, as well as information of the buyer;
  • For payment by check, other means of payment that result in many defaults, it is important that exclusivity is given to customers who will pay in this way, ie, exclusivity should occur for those customers already known, reliable and long-standing;

  • It is important to note in this check that it should contain as much information as possible from the owner, since it is very common for third parties to pass the check ahead, that is, the check often contains information from the third party and not from the owner himself, thus making it more difficult for future collection, if any;

  • The check, it is the buyer who must sign. For another person to sign, the account holder must sign a statement authorizing this person to purchase on his behalf, but it is important that this practice is avoided to the maximum;

Dr. Athos Freitas Fernandes Souza – OAB/MG 176.707
Dr. Giovanni Bittencourt de Souza – OAB/MG 176.984