Juiz reconhece prescrição em cobrança de imóvel passados 10 anos

Magistrado considerou que o lapso temporal foi superior ao prazo prescricional quinquenal aplicável.

O juiz Federal Gabriel Herrera, da 21ª vara Cível de SP, reconheceu a prescrição de parcelas e consequente baixa da hipoteca de um imóvel por constatar que decorreram mais de 10 anos desde o restabelecimento da exigibilidade do crédito até que a Caixa adotasse qualquer medida de cobrança.

Os autores alegaram que mesmo diante do inadimplemento da obrigação relativa a contrato de mútuo com garantia hipotecária referente ao imóvel, a Caixa Econômica Federal deixou de adotar medidas coercitivas para a satisfação do crédito dentro do prazo prescricional.

Sustentaram a ocorrência de prescrição da pretensão de recebimento dos valores devidos, pois, após o trânsito em julgado de ação revisional, ocorrida em 2007, a Caixa não adotou qualquer providência de cobrança do crédito no prazo de cinco anos, aplicável à espécie.

De acordo com os autos, a partir de janeiro de 2007 o crédito decorrente do mútuo inadimplido se tornou plenamente exigível, quando passou a correr o prazo prescricional de cinco anos para a sua cobrança, o qual se consumaria apenas em 2012. Contudo, apenas em maio de 2018 foi iniciada nova execução extrajudicial, finalizada em dezembro de 2019.

Muito depois, portanto, da consumação da prescrição, cujo prazo se findou ainda em janeiro de 2012“, considerou o magistrado.

Para o magistrado, portanto, decorreram mais de 10 anos desde o restabelecimento da exigibilidade do crédito (com o advento do trânsito em julgado da sentença que extinguiu o feito sem resolução do mérito) até que o credor adotasse qualquer medida de cobrança, “lapso temporal esse manifestamente superior ao prazo prescricional quinquenal aplicável“.

O magistrado ressaltou, ainda, que não há qualquer notícia ou comprovação de causa suspensiva (art. 197 e 198 do CC) ou de causa interruptiva (artigo 202 do CC) do prazo prescricional no período que sucedeu o trânsito em julgado no processo judicial.

Assim, julgou procedente o pedido para declarar a prescrição e determinar o cancelamento das hipotecas correlatadas, tornando sem efeito a execução extrajudicial.

O escritório Guimarães Santucci Advogados atua no caso.

Veja a decisão.

Fonte: Migalhas

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