Legal workflow

Credit bureau registration (negativação — with SPC, Serasa or Boa Vista) and notary protest are not "collection rule channels" — sending a CPF to a credit bureau is not like sending an email. They are legal acts with serious consequences for the debtor and real liability for your company: a wrongful credit bureau registration gives rise to moral damages. That is why the system treats them as workflows with mandatory human review: the rule can initiate, but nothing is registered with the bureau or the notary office without a human approving it.

How the rule initiates (without executing)

When a Negativação (credit bureau registration) or Protest step of the rule fires, the system:

1. Creates the record with status pending — the intent exists, nothing has taken effect;
2. Opens an urgent review task for the team, with a checklist of what to verify: the debt's enforceability, supporting document, the debtor's identity, amounts and any pending dispute;
3. Notifies the operator in the app ("Mandatory review: credit bureau registration/protest");
4. Emits the webhook negativation.review_required / protest.review_required;
5. Records everything in the audit trail.

A charge under legal hold does not even create the record: the step is skipped, with a log entry.

Human review and permissions

Effectuating a record requires the approve permission for negativations/protests — separate from the permissions to view (list/show), create (create) and cancel/remove (cancel). In practice: a regular operator sees the queue, but only whoever the organization designated (e.g. legal or a manager) confirms submission to the bureau or notary office. Removal and cancellation also have their own permission.

Before approving, go through the task's checklist:

• Is the debt enforceable (not time-barred, no open dispute, no agreement in good standing)?
• Does the supporting document (contract, invoice, trade note) exist and support the amount?
• Does the debtor's identity match (right document, right person)?
• Was the prior notice sent (use the Credit bureau warning / Protest warning template categories in the rule)?

Credit bureau registration status

Status	Meaning
pending	Created by the rule or manually; awaiting review/effectuation
active	Registered with the bureau (with registration date)
removed	Removed from the bureau (with date and reason)
failed	Registration with the bureau failed

Each record stores the bureau (Serasa, SPC or Boa Vista), the amount, the registration/removal dates and the bureau's response.

Protest status

Status	Meaning
pending	Created; awaiting review/submission to the notary office
sent	Sent to the notary office (with date)
intimated	Debtor formally notified by the notary office (with notification date)
protested	Protest recorded (with date)
paid	Paid at the notary office (with payment date)
cancelled	Cancelled (with cancellation date)

The protest record tracks the notary office, the office code, fees and the dates of each phase — the Protests screen lists all of this per receivable.

Where to follow up

The Credit Bureau & Protest page has one tab per workflow, with customer, charge, amount, bureau/notary office, status and dates. Pending reviews appear in the Tasks queue with urgent priority — this is the queue that must not pile up.

To take a record off the books (debt paid, agreement closed, decision to step back), see Removal and cancellation.