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Introduction

Notary office protest​

A notary office protest request can be made after the boleto's due date, and serves to have the payer notified to pay the bill at the notary office. If they fail to do so, a public record of default is made in their name, in addition to having their name included in credit protection agencies, such as Serasa.

Protest flow​

Protest request​

The protest flow for a boleto is initiated with a protest request: an instruction of type protest_request. From the moment the protest request is accepted by CIP/Nuclea (the protest_request instruction is confirmed), the boleto becomes blocked for payment, which means the payer can only pay it at the notary office. Additionally, a notary_office_entry occurrence is also created, which refers to sending the protest request to the notary office. Protest request remittances are sent daily to notary offices at 9 AM, therefore, if protest request instructions are received after this time, they are only sent to notary offices the following day.

On subsequent days, the notary office must confirm the entry of the bill into the notary office (the notary_office_entry occurrence is confirmed) and, with this, the triduum period begins. The triduum is the 3 business day period for the payer to pay the boleto at the notary office, and if they fail to do so, the bill will be protested. If the bill is paid at the notary office, a notary_office_payment_notice type occurrence is created for the boleto in question and it is settled the following day. In this latter case, a payment_write_off instruction is also automatically generated, so that the boleto is written off with CIP/Nuclea.

If the triduum period ends and the boleto is not paid and there is no withdrawal from the protest, the boleto is protested. At this moment, a protest_write_off instruction is generated to write off the boleto at CIP/Nuclea, and the bill's life cycle ends.

Withdrawal (suspension) of protest request​

If issues regarding the bill are resolved directly between the payer and the drawer guarantor, until the boleto is actually protested (that is, until the last day of the triduum), it is possible to send a protest_cancel_request instruction, which withdraws the protest request; or a protest_cancel_and_write_off_request instruction, which withdraws the protest request and also writes off the boleto at CIP/Nuclea. It's worth noting that the protest_cancel_request occurrence, by itself, does not write off the boleto. If the exit from the notary office is caused by a protest_cancel_request type occurrence, another notary_office_exit occurrence is created, which is sent to CIP/Nuclea to unblock the boleto for payment. As soon as it is confirmed, the boleto can again be paid via the typed line. On the other hand, if the exit from the notary office is caused by a protest_cancel_and_write_off_request type occurrence, a write_off occurrence is automatically created, which writes off the boleto at CIP/Nuclea.

Removal (cancellation) of protest request​

If the pending issue between the payer and drawer guarantor is resolved after the boleto has already been protested, it is possible to send a protest_remove_request type instruction, which removes the public default record and any record, linked to this boleto, that has tarnished the payer's name. If the occurrence is confirmed (accepted by the notary office), the protest is removed and no more instructions are created for this boleto, since it is already written off at CIP/Nuclea.