---
slug: prazo-max-repactuacao
lang: en
titulo: Maximum term for payment plan in case of over-indebtedness is 5 years
resposta: The maximum term for debt restructuring in case of over-indebtedness is 5 years, as per Law 14.181/2021.
curto: Restructuring in up to 5 years
tema: Free Market
revisada: 2026-10-03
proxima: 2027-04-03
---

## Data
| Who | Situation | Maximum term | Source | Data of record |
|---|---|---|---|---|
| Natural person consumer | Voluntary restructuring process (Art. 104-A) | 5 years | Law 14.181/2021, Art. 104-A, caput | 06/04/2021 |
| Natural person consumer | Compulsory judicial process (Art. 104-B) | 5 years (180 days for first installment + monthly installments) | Law 14.181/2021, Art. 104-B, § 4º | 06/04/2021 |

Data consulted on 03/10/2026.

## Basis
- [Law No. 14.181/2021 (Planalto, in Portuguese)](https://www.planalto.gov.br/ccivil_03/_ato2019-2022/2021/lei/l14181.htm): Art. 104-A establishes the maximum 5-year term for a voluntary payment plan in conciliation hearings; Art. 104-B provides the same term for compulsory judicial restructuring, with details on installment plans.

## How it applies
The 5-year term applies to both voluntary restructuring (Art. 104-A) and compulsory restructuring (Art. 104-B). In the judicial case, the first installment must be paid within 180 days after approval, with the remainder in equal monthly installments. Both processes aim to preserve the consumer's existential minimum.

## Limits
- Exclusions: Does not apply to debts arising from fraudulent contracts, rural credit, real estate financing, or secured loans (Art. 104-A, § 1º).
- Repetition: A new request is only possible after 2 years from the settlement of the previous plan (Art. 104-A, § 5º).
- Regulation: The term depends on regulation regarding the existential minimum (Arts. 54-A, § 1º, and 104-A, caput).
- Official source: Subsequent changes must be verified in Law 14.181/2021 or in CDC regulations.