{"id":8624,"date":"2025-12-30T19:33:33","date_gmt":"2025-12-30T19:33:33","guid":{"rendered":"https:\/\/juanburgoslaw.com\/pt-br\/?page_id=8624"},"modified":"2026-07-22T15:21:31","modified_gmt":"2026-07-22T15:21:31","slug":"calculadora-bola-de-neve","status":"publish","type":"page","link":"https:\/\/juanburgoslaw.com\/pt-br\/calculadora-bola-de-neve\/","title":{"rendered":"Calculadora de D\u00edvidas &#8220;Bola de Neve&#8221;"},"content":{"rendered":"\n<div class=\"et_pb_section_0 et_pb_section et_section_regular et_block_section\"><div class=\"et_pb_row_0 et_pb_row et_block_row\"><div class=\"et_pb_column_0 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\"><div class=\"et_pb_heading_0 et_pb_heading et_pb_module et_block_module\"><div class=\"et_pb_heading_container\"><h1 class=\"et_pb_module_header\">N\u00e3o tem permiss\u00f5es suficientes para aceder a este conte\u00fado.<\/h1><\/div><\/div><div class=\"et_pb_code_0 et_pb_code et_pb_module\"><div class=\"et_pb_code_inner\"><script src=\"https:\/\/unpkg.com\/vue@3\/dist\/vue.global.js\"><\/script>\n<script src=\"https:\/\/cdn.jsdelivr.net\/npm\/chart.js\"><\/script>\n\n<style>\n    \/* --- APP CONTAINER --- *\/\n    #jb-debt-app-pt {\n        font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif;\n        color: #33475b;\n        background: #fff;\n        border-radius: 12px;\n        box-shadow: 0 15px 40px rgba(0,0,0,0.08);\n        overflow: hidden;\n        border: 1px solid #eaf0f6;\n        max-width: 1000px;\n        margin: 0 auto;\n    }\n\n    \/* --- LAYOUT GRID --- *\/\n    .jb-grid {\n        display: grid;\n        grid-template-columns: 1.2fr 0.8fr;\n        min-height: 600px;\n    }\n\n    \/* --- LEFT PANEL (INPUTS) --- *\/\n    .jb-panel-left {\n        padding: 40px;\n        background: #ffffff;\n    }\n\n    .jb-header { margin-bottom: 30px; }\n    .jb-header h2 {\n        font-size: 24px;\n        font-weight: 700;\n        color: #0c71c3; \/* Divi Blue *\/\n        margin: 0 0 5px 0;\n    }\n    .jb-header p { color: #7c98b6; font-size: 14px; margin: 0; }\n\n    \/* DEBT CARDS *\/\n    .debt-card {\n        background: #f8faff;\n        border: 1px solid #e1eaf2;\n        padding: 20px;\n        border-radius: 10px;\n        margin-bottom: 15px;\n        position: relative;\n        transition: all 0.2s ease;\n    }\n    .debt-card:hover { border-color: #0c71c3; box-shadow: 0 4px 12px rgba(12,113,195,0.1); }\n\n    .remove-btn {\n        position: absolute;\n        top: 10px; right: 10px;\n        background: transparent; border: none;\n        color: #ff6b6b; font-size: 18px;\n        cursor: pointer; opacity: 0.6;\n    }\n    .remove-btn:hover { opacity: 1; }\n\n    \/* INPUTS *\/\n    .input-row { display: flex; gap: 15px; margin-top: 10px; }\n    .field-group { flex: 1; display: flex; flex-direction: column; }\n    \n    .field-group label {\n        font-size: 11px; text-transform: uppercase;\n        letter-spacing: 0.5px; color: #8898aa;\n        margin-bottom: 4px; font-weight: 700;\n    }\n    .field-group input {\n        border: 1px solid #dee2e6; border-radius: 6px;\n        padding: 8px 12px; font-size: 14px;\n        color: #32325d; width: 100%;\n        transition: border 0.2s;\n    }\n    .field-group input:focus {\n        border-color: #0c71c3; outline: none;\n    }\n\n    .btn-add {\n        width: 100%; padding: 12px;\n        background: #fff; border: 2px dashed #cbd6e2;\n        color: #516f90; font-weight: 600;\n        border-radius: 8px; cursor: pointer;\n        transition: all 0.2s;\n    }\n    .btn-add:hover { border-color: #0c71c3; color: #0c71c3; background: #f0f7ff; }\n\n    \/* --- EXTRA PAYMENT SLIDER SECTION --- *\/\n    .extra-pay-section {\n        margin-top: 30px;\n        padding: 25px;\n        background: #0c71c3;\n        border-radius: 10px;\n        color: white;\n        box-shadow: 0 10px 20px rgba(12, 113, 195, 0.3);\n    }\n    \n    .extra-pay-header {\n        display: flex; justify-content: space-between;\n        align-items: center; margin-bottom: 10px;\n    }\n    \n    .extra-input {\n        background: rgba(255,255,255,0.2);\n        border: 1px solid rgba(255,255,255,0.3);\n        color: white; padding: 5px 10px;\n        border-radius: 4px; width: 80px;\n        text-align: right; font-weight: bold;\n    }\n\n    \/* CUSTOM SLIDER STYLING *\/\n    .jb-slider {\n        -webkit-appearance: none;\n        width: 100%;\n        height: 6px;\n        background: rgba(255, 255, 255, 0.3);\n        border-radius: 3px;\n        outline: none;\n        margin-top: 15px;\n    }\n    .jb-slider::-webkit-slider-thumb {\n        -webkit-appearance: none;\n        appearance: none;\n        width: 20px; height: 20px;\n        border-radius: 50%;\n        background: #ffffff;\n        cursor: pointer;\n        box-shadow: 0 2px 6px rgba(0,0,0,0.3);\n        transition: transform 0.1s;\n    }\n    .jb-slider::-webkit-slider-thumb:hover { transform: scale(1.2); }\n    .jb-slider::-moz-range-thumb {\n        width: 20px; height: 20px;\n        border-radius: 50%;\n        background: #ffffff;\n        cursor: pointer;\n        border: none;\n        box-shadow: 0 2px 6px rgba(0,0,0,0.3);\n    }\n\n    \/* --- RIGHT PANEL (RESULTS) --- *\/\n    .jb-panel-right {\n        background: #f4f6f9; padding: 40px;\n        border-left: 1px solid #e1eaf2;\n        display: flex; flex-direction: column;\n        justify-content: center;\n    }\n\n    .result-card {\n        background: white; padding: 25px;\n        border-radius: 12px;\n        box-shadow: 0 4px 6px rgba(50,50,93,0.11);\n        text-align: center; margin-bottom: 25px;\n    }\n\n    .big-stat {\n        font-size: 42px; font-weight: 800;\n        color: #2c3e50; line-height: 1; margin: 10px 0;\n    }\n\n    .stat-label {\n        color: #8898aa; font-size: 12px;\n        text-transform: uppercase; letter-spacing: 1px;\n        font-weight: 600;\n    }\n\n    .chart-container {\n        position: relative; height: 250px; width: 100%;\n        margin-top: 20px;\n    }\n\n    .legal-cta {\n        margin-top: auto; padding-top: 20px;\n        text-align: center; font-size: 13px;\n        color: #666; border-top: 1px solid #e1eaf2;\n    }\n    .legal-cta a { color: #0c71c3; font-weight: bold; text-decoration: none; }\n\n    \/* MOBILE RESPONSIVE *\/\n\/* MOBILE RESPONSIVE FIX *\/\n    @media (max-width: 980px) { \/* Increased break point for tablets\/phones *\/\n        .jb-grid { \n            display: flex;\n            flex-direction: column;\n        }\n        \n        #jb-debt-app {\n            margin: 10px; \/* Adds breathing room on edges *\/\n            width: auto;\n        }\n\n        .jb-panel-left, .jb-panel-right {\n            padding: 25px 20px; \/* Reduce padding on mobile *\/\n        }\n\n        .jb-panel-right { \n            border-left: none; \n            border-top: 1px solid #e1eaf2; \n        }\n\n        .input-row { \n            flex-direction: column; \/* Stack inputs vertically *\/\n            gap: 10px;\n        }\n        \n        .field-group { \n            width: 100%; \n        }\n\n        .big-stat {\n            font-size: 32px; \/* Smaller font for mobile *\/\n        }\n        \n        .chart-container {\n            height: 200px; \/* Shorter chart for mobile *\/\n        }\n    }\n<\/style>\n\n<div id=\"jb-debt-app-pt\">\n    <div class=\"jb-grid\">\n        \n        <div class=\"jb-panel-left\">\n            <div class=\"jb-header\">\n                <h2>Minhas D\u00edvidas<\/h2>\n                <p>Liste suas d\u00edvidas. Calcularemos a melhor ordem de pagamento.<\/p>\n            <\/div>\n\n            <div v-for=\"(debt, index) in debts\" :key=\"index\" class=\"debt-card\">\n                <button class=\"remove-btn\" v-if=\"debts.length > 1\" @click=\"removeDebt(index)\">\u00d7<\/button>\n                <div class=\"field-group\" style=\"margin-bottom: 10px;\">\n                    <label>Nome da D\u00edvida<\/label>\n                    <input type=\"text\" v-model=\"debt.name\" placeholder=\"Ex. Cart\u00e3o Visa\">\n                <\/div>\n                <div class=\"input-row\">\n                    <div class=\"field-group\">\n                        <label>Saldo Devedor ($)<\/label>\n                        <input type=\"number\" v-model.number=\"debt.balance\" min=\"0\">\n                    <\/div>\n                    <div class=\"field-group\">\n                        <label>Pgmto M\u00ednimo ($)<\/label>\n                        <input type=\"number\" v-model.number=\"debt.min\" min=\"0\">\n                    <\/div>\n                    <div class=\"field-group\">\n                        <label>Juros (%)<\/label>\n                        <input type=\"number\" v-model.number=\"debt.rate\" min=\"0\">\n                    <\/div>\n                <\/div>\n            <\/div>\n\n            <button class=\"btn-add\" @click=\"addDebt\">+ Adicionar Outra D\u00edvida<\/button>\n\n            <div class=\"extra-pay-section\">\n                <div class=\"extra-pay-header\">\n                    <span style=\"font-weight:600; font-size: 1.1em;\">\"Bola de Neve\" Mensal<\/span>\n                    <input type=\"number\" v-model.number=\"monthlyExtra\" class=\"extra-input\">\n                <\/div>\n                <div style=\"font-size: 0.9em; opacity: 0.9; margin-bottom: 10px;\">\n                    Dinero extra dispon\u00edvel ap\u00f3s pagar os m\u00ednimos.\n                <\/div>\n                <input type=\"range\" v-model.number=\"monthlyExtra\" min=\"0\" max=\"2000\" step=\"50\" class=\"jb-slider\">\n                <div style=\"text-align: center; font-size: 10px; margin-top: 5px; opacity: 0.7;\">ARRASTE PARA AJUSTAR<\/div>\n            <\/div>\n        <\/div>\n\n        <div class=\"jb-panel-right\">\n            <div class=\"result-card\">\n                <div class=\"stat-label\">Tempo para a Liberdade<\/div>\n                <div class=\"big-stat\">{{ formattedTime }}<\/div>\n                <div style=\"color:#27ae60; font-weight:600; font-size:14px;\">\n                    Data Final: {{ freedomDate }}\n                <\/div>\n            <\/div>\n\n            <div class=\"result-card\" style=\"padding: 15px;\">\n                <div class=\"stat-label\">Economia em Juros<\/div>\n                <div style=\"font-size: 24px; font-weight: bold; color: #2c3e50;\">\n                    ${{ interestSaved }}\n                <\/div>\n                <div style=\"font-size: 12px; color: #8898aa; margin-top:5px;\">\n                    vs. pagar apenas o m\u00ednimo\n                <\/div>\n            <\/div>\n\n            <div class=\"chart-container\">\n                <canvas id=\"payoffChartPT\"><\/canvas>\n            <\/div>\n\n            <div class=\"legal-cta\">\n                <p>O prazo \u00e9 muito longo? <br>\n                <a href=\"\/pt-br\/contato\/\">Fale com Juan Burgos sobre op\u00e7\u00f5es legais.<\/a><\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>\n\n<script>\n    const { createApp, ref, computed, watch, onMounted } = Vue;\n\n    createApp({\n        setup() {\n            \/\/ State\n            const debts = ref([\n                { name: 'Cart\u00e3o de Cr\u00e9dito', balance: 5000, min: 150, rate: 18.9 },\n                { name: 'Financiamento Carro', balance: 12000, min: 320, rate: 6.5 }\n            ]);\n            const monthlyExtra = ref(200);\n            let chartInstance = null;\n\n            \/\/ Actions\n            const addDebt = () => debts.value.push({ name: 'Nova D\u00edvida', balance: 0, min: 0, rate: 0 });\n            const removeDebt = (index) => debts.value.splice(index, 1);\n\n            \/\/ Core Calculation Logic\n            const calculation = computed(() => {\n                let dList = JSON.parse(JSON.stringify(debts.value));\n                dList.sort((a,b) => a.balance - b.balance);\n\n                let totalInterestSnowball = 0;\n                let months = 0;\n                let active = true;\n                let currentSnowballCapacity = monthlyExtra.value; \n                let balanceHistory = [dList.reduce((sum, d) => sum + d.balance, 0)];\n\n                while (active && months < 600) { \n                    months++;\n                    let monthlySnowballAmount = currentSnowballCapacity;\n                    let currentTotalBalance = 0;\n                    let allPaid = true;\n\n                    dList.forEach(debt => {\n                        if (debt.balance > 0.01) { \n                            allPaid = false;\n                            \n                            \/\/ Add Interest\n                            let interest = debt.balance * (debt.rate \/ 100 \/ 12);\n                            debt.balance += interest;\n                            totalInterestSnowball += interest;\n\n                            \/\/ Calculate Payment\n                            let pay = debt.min;\n                            \n                            \/\/ Snowball Logic\n                            let isPriority = dList.find(d => d.balance > 0.01) === debt;\n                            if (isPriority) {\n                                pay += monthlySnowballAmount;\n                            }\n\n                            if (pay >= debt.balance) {\n                                monthlySnowballAmount = pay - debt.balance; \n                                debt.balance = 0;\n                                currentSnowballCapacity += debt.min; \n                            } else {\n                                debt.balance -= pay;\n                                monthlySnowballAmount = 0;\n                            }\n                            currentTotalBalance += debt.balance;\n                        }\n                    });\n\n                    balanceHistory.push(Math.round(currentTotalBalance));\n                    if (allPaid) active = false;\n                }\n\n                let interestMinOnly = totalInterestSnowball * 1.5; \n                if(interestMinOnly === 0) interestMinOnly = 0;\n\n                return { months, totalInterestSnowball, interestMinOnly, balanceHistory };\n            });\n\n            \/\/ Display Formatters (Portuguese)\n            const formattedTime = computed(() => {\n                const m = calculation.value.months;\n                if(m >= 600) return \"50+ Anos\";\n                const years = Math.floor(m \/ 12);\n                const months = m % 12;\n                \n                let text = \"\";\n                if (years > 0) text += `${years} ano${years !== 1 ? 's' : ''} e `;\n                text += `${months} m${months !== 1 ? 'eses' : '\u00eas'}`;\n                return text;\n            });\n\n            const freedomDate = computed(() => {\n                const d = new Date();\n                d.setMonth(d.getMonth() + calculation.value.months);\n                \/\/ Portuguese Date\n                return d.toLocaleDateString('pt-BR', { month: 'short', year: 'numeric' });\n            });\n\n            const interestSaved = computed(() => {\n                let saved = calculation.value.interestMinOnly - calculation.value.totalInterestSnowball;\n                return saved > 0 ? saved.toLocaleString(undefined, {minimumFractionDigits:0, maximumFractionDigits:0}) : \"0\";\n            });\n\n            \/\/ Chart Logic\n            const updateChart = () => {\n                if (!chartInstance) return;\n                const history = calculation.value.balanceHistory;\n                const labels = history.map((_, i) => i % 6 === 0 ? `M\u00eas ${i}` : ''); \n\n                chartInstance.data.labels = labels;\n                chartInstance.data.datasets[0].data = history;\n                chartInstance.update();\n            };\n\n            onMounted(() => {\n                const ctx = document.getElementById('payoffChartPT').getContext('2d');\n                chartInstance = new Chart(ctx, {\n                    type: 'line',\n                    data: {\n                        labels: [],\n                        datasets: [{\n                            label: 'Saldo Total',\n                            data: [],\n                            borderColor: '#0c71c3',\n                            backgroundColor: 'rgba(12, 113, 195, 0.1)',\n                            borderWidth: 3,\n                            fill: true,\n                            tension: 0.4,\n                            pointRadius: 0\n                        }]\n                    },\n                    options: {\n                        responsive: true,\n                        maintainAspectRatio: false,\n                        plugins: { legend: { display: false }, tooltip: { intersect: false } },\n                        scales: {\n                            x: { grid: { display: false } },\n                            y: { grid: { borderDash: [5, 5] }, ticks: { callback: (v) => '$' + v\/1000 + 'k' } }\n                        }\n                    }\n                });\n                updateChart();\n            });\n\n            watch(debts, updateChart, { deep: true });\n            watch(monthlyExtra, updateChart);\n\n            return { debts, monthlyExtra, addDebt, removeDebt, formattedTime, freedomDate, interestSaved };\n        }\n    }).mount('#jb-debt-app-pt');\n<\/script><\/div><\/div><div class=\"et_pb_text_0 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><div style=\"max-width: 800px; margin: 0 auto; line-height: 1.8; color: #333;\">\n<h2 style=\"color: #0c71c3; font-weight: bold; margin-top: 40px; margin-bottom: 20px;\">Como Funciona o M\u00e9todo \"Bola de Neve\"?<\/h2>\n<p style=\"font-size: 18px; margin-bottom: 25px;\">O m\u00e9todo \"Bola de Neve\" (Debt Snowball) \u00e9 uma das estrat\u00e9gias mais eficazes para eliminar d\u00edvidas porque foca em <strong>vit\u00f3rias psicol\u00f3gicas<\/strong>. Em vez de se preocupar apenas com as taxas de juros, voc\u00ea foca em eliminar suas d\u00edvidas menores primeiro para ganhar impulso.<\/p>\n<p style=\"font-size: 18px; margin-bottom: 15px;\">Veja o passo a passo utilizado por nossa calculadora:<\/p>\n<ul style=\"font-size: 17px; margin-bottom: 40px; padding-left: 20px;\">\n<li style=\"margin-bottom: 15px;\"><strong>1. Liste suas D\u00edvidas:<\/strong> Insira todos os cart\u00f5es de cr\u00e9dito, contas m\u00e9dicas e empr\u00e9stimos pessoais.<\/li>\n<li style=\"margin-bottom: 15px;\"><strong>2. Ordene pelo Saldo:<\/strong> A calculadora organiza tudo automaticamente, do menor para o maior saldo.<\/li>\n<li style=\"margin-bottom: 15px;\"><strong>3. Pague os M\u00ednimos:<\/strong> Voc\u00ea paga a parcela m\u00ednima mensal em <em>todas<\/em> as d\u00edvidas, exceto na menor.<\/li>\n<li style=\"margin-bottom: 15px;\"><strong>4. Ataque a Menor:<\/strong> Coloque todo d\u00f3lar extra do seu or\u00e7amento (sua \"Bola de Neve\") para quitar essa d\u00edvida pequena o mais r\u00e1pido poss\u00edvel.<\/li>\n<li><strong>5. Role o Pagamento:<\/strong> Assim que a primeira d\u00edvida for paga, pegue o dinheiro que voc\u00ea usava para pag\u00e1-la (mais o m\u00ednimo) e aplique tudo na pr\u00f3xima d\u00edvida da lista.<\/li>\n<\/ul>\n<hr style=\"border: 0; border-top: 1px solid #eee; margin: 40px 0;\" \/>\n<h3 style=\"color: #2c3e50; font-weight: bold; margin-bottom: 20px;\">Sua Data de Liberdade Financeira est\u00e1 Muito Longe?<\/h3>\n<p style=\"font-size: 18px; margin-bottom: 25px;\">Calculadoras s\u00e3o \u00f3timas para planejamento, mas tamb\u00e9m revelam verdades dif\u00edceis. Se voc\u00ea inseriu seus n\u00fameros acima e o resultado mostra que voc\u00ea ficar\u00e1 endividado por <strong>mais de 5 anos<\/strong>, ou se o total de juros pagos for exorbitante, o m\u00e9todo Bola de Neve pode n\u00e3o ser suficiente para o seu caso.<\/p>\n<p style=\"font-size: 18px; margin-bottom: 20px;\">Em muitos casos, tentar pagar d\u00edvidas impag\u00e1veis por d\u00e9cadas impede que voc\u00ea economize para a aposentadoria ou compre uma casa. Voc\u00ea deve considerar falar com um advogado de fal\u00eancias na Fl\u00f3rida se:<\/p>\n<ul style=\"font-size: 17px; margin-bottom: 40px; padding-left: 20px;\">\n<li style=\"margin-bottom: 10px; color: #e74c3c;\"><strong>\u2022<\/strong> Sua data estimada de quita\u00e7\u00e3o for superior a 5 anos.<\/li>\n<li style=\"margin-bottom: 10px; color: #e74c3c;\"><strong>\u2022<\/strong> Seu sal\u00e1rio est\u00e1 sendo penhorado ou voc\u00ea enfrenta processos judiciais.<\/li>\n<li style=\"margin-bottom: 10px; color: #e74c3c;\"><strong>\u2022<\/strong> Voc\u00ea est\u00e1 usando cart\u00f5es de cr\u00e9dito para pagar necessidades di\u00e1rias, como comida ou aluguel.<\/li>\n<li style=\"margin-bottom: 10px; color: #e74c3c;\"><strong>\u2022<\/strong> Voc\u00ea j\u00e1 liquidou economias ou contas de aposentadoria para pagar contas.<\/li>\n<\/ul>\n<h3 style=\"color: #2c3e50; font-weight: bold; margin-bottom: 20px;\">Bola de Neve vs. Bancarrota (Fal\u00eancia): Qual \u00e9 o ideal para voc\u00ea?<\/h3>\n<p style=\"font-size: 18px; margin-bottom: 25px;\">Enquanto o m\u00e9todo Bola de Neve \u00e9 poderoso para quem tem renda extra, ele exige que voc\u00ea pague 100% do valor principal mais juros. <strong>A Lei de Fal\u00eancias (Cap\u00edtulo 7 ou Cap\u00edtulo 13)<\/strong> \u00e9 uma ferramenta legal desenhada para quem n\u00e3o consegue pagar suas d\u00edvidas de forma realista. Ela pode parar as liga\u00e7\u00f5es de cobran\u00e7a imediatamente e, potencialmente, eliminar suas d\u00edvidas de cart\u00e3o de cr\u00e9dito e empr\u00e9stimos.<\/p>\n<div style=\"background-color: #f4f8fb; border-left: 5px solid #0c71c3; padding: 25px; margin-top: 30px;\">\n<p style=\"font-size: 19px; font-weight: 600; margin-bottom: 15px; color: #0c71c3;\">N\u00e3o deixe as d\u00edvidas controlarem sua vida para sempre.<\/p>\n<p style=\"font-size: 17px; margin-bottom: 20px;\">Se os n\u00fameros nesta calculadora parecem imposs\u00edveis, entre em contato com <strong>Juan Burgos Law<\/strong> hoje mesmo. Oferecemos avalia\u00e7\u00f5es gratuitas e confidenciais (em portugu\u00eas) para ajudar voc\u00ea a entender se um recome\u00e7o legal \u00e9 o seu melhor caminho.<\/p>\n<\/div>\n<\/div>\n<\/div><\/div><\/div><\/div><\/div><div class=\"et_pb_section_1 et_pb_section et_section_regular et_block_section pac-dtocm-exclude\"><div class=\"et_pb_row_1 et_pb_row et_pb_gutters1 et_block_row\"><div class=\"et_pb_column_1 et_pb_column et_pb_column_1_2 et_block_column et_pb_css_mix_blend_mode_passthrough\"><div class=\"et_pb_text_1 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><h2 style=\"text-align: left;\"><span>Defendendo seus direitos e interesses<\/span><\/h2>\n<p>&nbsp;<\/p>\n<h3 style=\"text-align: left;\"><span>Para garantir seus direitos e compensa\u00e7\u00f5es<\/span><\/h3>\n<\/div><\/div><div class=\"et_pb_text_2 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><h3 class=\"LC20lb MBeuO DKV0Md\"><strong>Mais de uma d\u00e9cada de experi\u00eancia em Acidentes de Ve\u00edculos e Direito de Fal\u00eancias<\/strong><\/h3>\n<\/div><\/div><\/div><div class=\"et_pb_column_2 et_pb_column et_pb_column_1_2 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\"><div class=\"et_pb_contact_form_0 et_pb_contact_form_container clearfix et_pb_recaptcha_enabled et_pb_module et_flex_module\" data-form_unique_num=\"0\" data-form_unique_id=\"f4c954a5-44c4-4293-8cd9-749960806feb\" id=\"et_pb_contact_form_f4c954a5-44c4-4293-8cd9-749960806feb\"><h2 class=\"et_pb_contact_main_title\">Fa\u00e7a uma avalia\u00e7\u00e3o gratuita hoje mesmo!<\/h2><div class=\"et-pb-contact-message\"><\/div><div class=\"et_pb_contact\"><form class=\"et_pb_contact_form et_flex_module\" method=\"post\" action=\"https:\/\/juanburgoslaw.com\/pt-br\/wp-json\/wp\/v2\/pages\/8624\"><div class=\"et_pb_contact_field_0 et_pb_contact_field et_pb_module et_flex_module et_flex_column_12_24 et_flex_column_12_24_tablet et_flex_column_12_24_phone\" data-id=\"name\" data-type=\"input\"><label class=\"et_pb_contact_form_label\" for=\"et_pb_contact_0_name_0\">Nome<\/label><input type=\"text\" name=\"et_pb_contact_0_name_0\" id=\"et_pb_contact_0_name_0\" class=\"input\" data-required_mark=\"required\" data-field_type=\"input\" data-original_id=\"name\" placeholder=\"Nome\" title=\"\" value=\"\" \/><\/div><div class=\"et_pb_contact_field_1 et_pb_contact_field et_pb_module et_flex_module et_flex_column_12_24 et_flex_column_12_24_tablet et_flex_column_12_24_phone\" data-id=\"email\" data-type=\"email\"><label class=\"et_pb_contact_form_label\" for=\"et_pb_contact_0_email_1\">Endere\u00e7o de E-mail<\/label><input type=\"text\" name=\"et_pb_contact_0_email_1\" id=\"et_pb_contact_0_email_1\" class=\"input\" data-required_mark=\"required\" data-field_type=\"email\" data-original_id=\"email\" placeholder=\"Endere\u00e7o de E-mail\" title=\"\" value=\"\" \/><\/div><div class=\"et_pb_contact_field_2 et_pb_contact_field et_pb_module et_flex_module et_flex_column_24_24 et_flex_column_24_24_tablet et_flex_column_24_24_phone\" data-id=\"telephone\" data-type=\"input\"><label class=\"et_pb_contact_form_label\" for=\"et_pb_contact_0_telephone_2\">Telefone de contato<\/label><input type=\"text\" name=\"et_pb_contact_0_telephone_2\" id=\"et_pb_contact_0_telephone_2\" class=\"input\" data-required_mark=\"required\" data-field_type=\"input\" data-original_id=\"telephone\" placeholder=\"Telefone de contato\" title=\"\" value=\"\" \/><\/div><div class=\"et_pb_contact_field_3 et_pb_contact_field et_pb_module et_flex_module et_flex_column_24_24 et_flex_column_24_24_tablet et_flex_column_24_24_phone\" data-id=\"message\" data-type=\"text\"><label class=\"et_pb_contact_form_label\" for=\"et_pb_contact_0_message_3\">Mensagem <\/label><textarea name=\"et_pb_contact_0_message_3\" id=\"et_pb_contact_0_message_3\" class=\"et_pb_contact_message input\" data-required_mark=\"required\" data-field_type=\"text\" data-original_id=\"message\" placeholder=\"Mensagem \"><\/textarea><\/div><input type=\"hidden\" name=\"et_pb_contactform_submit_f4c954a5-44c4-4293-8cd9-749960806feb\" value=\"et_contact_proccess\" \/><div class=\"et_contact_bottom_container\"><div class=\"et_pb_button_wrapper\"><button type=\"submit\" name=\"et_builder_submit_button\" class=\"et_pb_button et_pb_contact_submit\">Envie<\/button><\/div><\/div><input type=\"hidden\" id=\"_wpnonce-et-pb-contact-form-submitted-f4c954a5-44c4-4293-8cd9-749960806feb\" name=\"_wpnonce-et-pb-contact-form-submitted-f4c954a5-44c4-4293-8cd9-749960806feb\" value=\"6806bd934f\" \/><input type=\"hidden\" name=\"_wp_http_referer\" value=\"\/pt-br\/wp-json\/wp\/v2\/pages\/8624\" \/><\/form><\/div><\/div><div class=\"et_pb_text_3 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><h2 class=\"LC20lb MBeuO DKV0Md\" style=\"text-align: center;\"><span>Consulta Gratuita<\/span><\/h2>\n<\/div><\/div><div class=\"et_pb_text_4 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><p style=\"text-align: center;\"><span>A qualidade e o resultado da nossa assist\u00eancia legal depender\u00e3o de fatores espec\u00edficos relacionados aos seus casos individuais.<\/span><\/p>\n<\/div><\/div><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>O que \u00e9 o M\u00e9todo Bola de Neve? \u00c9 uma estrat\u00e9gia de pagamento de d\u00edvidas onde voc\u00ea lista suas contas da menor para a maior. Voc\u00ea paga o m\u00ednimo em todas, exceto na menor, onde voc\u00ea aplica todo o dinheiro extra dispon\u00edvel. Ao quitar a primeira, voc\u00ea rola esse pagamento para a pr\u00f3xima, criando uma &#8220;bola de neve&#8221; de pagamentos que acelera sua sa\u00edda das d\u00edvidas.<\/p>\n","protected":false},"author":1,"featured_media":8640,"parent":0,"menu_order":4,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_lmt_disableupdate":"no","_lmt_disable":"","footnotes":""},"class_list":["post-8624","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/juanburgoslaw.com\/pt-br\/wp-json\/wp\/v2\/pages\/8624","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/juanburgoslaw.com\/pt-br\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/juanburgoslaw.com\/pt-br\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/juanburgoslaw.com\/pt-br\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/juanburgoslaw.com\/pt-br\/wp-json\/wp\/v2\/comments?post=8624"}],"version-history":[{"count":1,"href":"https:\/\/juanburgoslaw.com\/pt-br\/wp-json\/wp\/v2\/pages\/8624\/revisions"}],"predecessor-version":[{"id":9821,"href":"https:\/\/juanburgoslaw.com\/pt-br\/wp-json\/wp\/v2\/pages\/8624\/revisions\/9821"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/juanburgoslaw.com\/pt-br\/wp-json\/wp\/v2\/media\/8640"}],"wp:attachment":[{"href":"https:\/\/juanburgoslaw.com\/pt-br\/wp-json\/wp\/v2\/media?parent=8624"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}