PERSI
Published 8 November 2026, 22:51
PERSI — Procedimento Extrajudicial de Regularização de Situações de Incumprimento (out-of-court procedure for arrears)
A compulsory procedure for negotiating with the bank once there are already arrears. The bank must bring you into it between the 31st and 60th day of arrears, or straight away if you ask in writing; the bank must respond within 30 days, and the procedure ends on the 91st day.
Where you come across it. Arrears on a mortgage or another loan.
While PERSI is under way, the bank may not terminate the contract, go to court or sell the debt to a third party. It is a legal breathing space, and there is no shame in asking for it.
Official website: clientebancario.bportugal.pt/pt-pt/gestao-do-incumprimento