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	<loc>https://www.creditoecobranca.com/artigos/horarios-para-cobranca-de-dividas</loc>
	<lastmod>2026-02-24T12:06:14-03:00</lastmod>
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	<loc>https://www.creditoecobranca.com/artigos/duvidas/deposito-sem-juros</loc>
	<lastmod>2026-02-18T14:36:42-03:00</lastmod>
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	<image:caption>Depósito sem juros</image:caption>
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	<loc>https://www.creditoecobranca.com/artigos/cheques/cheque-devolvido-motivo-21-contra-ordem-ou-oposicao-ao-pagamento</loc>
	<lastmod>2024-05-22T16:02:25-03:00</lastmod>
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	<image:loc>https://www.creditoecobranca.com/images/artigos/cheque-devolvido-motivo-21.jpg</image:loc>
	<image:caption>Cheque Devolvido - Motivo 21 - Contra-ordem ou oposição ao pagamento</image:caption>
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	<loc>https://www.creditoecobranca.com/artigos/cheques/motivos-de-devolucao-de-cheques</loc>
	<lastmod>2024-05-21T11:05:26-03:00</lastmod>
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	<image:loc>https://www.creditoecobranca.com/images/artigos/motivos-de-devolucao-de-cheques.jpg</image:loc>
	<image:caption>Motivos de devolução de cheques</image:caption>
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	<loc>https://www.creditoecobranca.com/artigos/carreira-e-salario-do-analista-de-credito</loc>
	<lastmod>2023-12-20T17:08:51-03:00</lastmod>
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	<image:loc>https://www.creditoecobranca.com/images/artigos/carreira-e-salario-do-analista-de-credito.jpg</image:loc>
	<image:caption>Carreira e Salário do Analista de Crédito</image:caption>
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<url>
	<loc>https://www.creditoecobranca.com/artigos/mensagem-de-cobranca-whatsapp</loc>
	<lastmod>2023-11-22T19:30:52-03:00</lastmod>
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	<image:loc>https://www.creditoecobranca.com/images/artigos/10-mensagens-de-cobrança-pelo-whatsapp.jpg</image:loc>
	<image:caption>10 melhores mensagens de cobrança pelo WhatsApp</image:caption>
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<url>
	<loc>https://www.creditoecobranca.com/artigos/como-reduzir-o-indice-de-inadimplencia</loc>
	<lastmod>2023-11-22T11:10:45-03:00</lastmod>
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	<image:loc>https://www.creditoecobranca.com/images/artigos/como-reduzir-o-indice-de-inadimplencia.jpg</image:loc>
	<image:caption>Como reduzir o índice de inadimplência</image:caption>
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</url>
<url>
	<loc>https://www.creditoecobranca.com/artigos/depois-de-cinco-anos-caduca-sera-mesmo</loc>
	<lastmod>2023-11-05T13:17:22-03:00</lastmod>
	<image:image>
	<image:loc>https://www.creditoecobranca.com/images/artigos/depois-de-5-anos-caduca.jpg</image:loc>
	<image:caption>Depois de Cinco Anos “Caduca”... Será Mesmo?</image:caption>
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</url>
<url>
	<loc>https://www.creditoecobranca.com/artigos/localizar-os-devedores</loc>
	<lastmod>2023-03-06T14:38:15-03:00</lastmod>
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	<image:loc>https://www.creditoecobranca.com/images/artigos/localizar-devedores.jpg</image:loc>
	<image:caption>Estratégias para localizar os devedores</image:caption>
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</url>
<url>
	<loc>https://www.creditoecobranca.com/artigos/campanha-de-cobranca-de-dividas</loc>
	<lastmod>2023-03-01T14:17:34-03:00</lastmod>
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	<image:loc>https://www.creditoecobranca.com/images/artigos/campanha-de-cobranca-de-dividas.jpg</image:loc>
	<image:caption>Campanha de Cobrança de Dívidas</image:caption>
	</image:image>
</url>
<url>
	<loc>https://www.creditoecobranca.com/artigos/informar-aos-clientes-as-regras-de-pagamento</loc>
	<lastmod>2023-02-26T20:15:35-03:00</lastmod>
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	<image:loc>https://www.creditoecobranca.com/images/artigos/artigo-dicas-de-cobranca-de-dividas-10-de-30.jpg</image:loc>
	<image:caption>Informar aos clientes as regras de pagamento</image:caption>
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<url>
	<loc>https://www.creditoecobranca.com/artigos/regua-de-cobranca-para-acabar-com-a-inadimplencia</loc>
	<lastmod>2023-02-21T14:00:20-03:00</lastmod>
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	<image:loc>https://www.creditoecobranca.com/images/artigos/regua-de-cobranca-combater-inadimplencia.jpg</image:loc>
	<image:caption>Régua de Cobrança para Acabar com a inadimplência</image:caption>
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</url>
<url>
	<loc>https://www.creditoecobranca.com/artigos/responsabilidade-na-concessao-de-credito</loc>
	<lastmod>2022-04-19T19:33:28-03:00</lastmod>
	<image:image>
	<image:loc>https://www.creditoecobranca.com/images/artigos/responsabilidade-na-concessao-de-credito.jpg</image:loc>
	<image:caption>Certificação em cobrança de dívidas</image:caption>
	</image:image>
</url>
<url>
	<loc>https://www.creditoecobranca.com/artigos/diferenca-entre-fiador-e-avalista</loc>
	<lastmod>2022-03-15T13:58:17-03:00</lastmod>
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	<image:loc>https://www.creditoecobranca.com/images/artigos/diferenca-entre-o-avalista-e-fiador.jpg</image:loc>
	<image:caption>Diferença entre avalista e fiador</image:caption>
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<url>
	<loc>https://www.creditoecobranca.com/artigos/persuasao-em-cobranca-desperte-o-desejo-de-pagar-a-divida</loc>
	<lastmod>2022-02-09T21:09:27-03:00</lastmod>
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	<image:loc>https://www.creditoecobranca.com/images/artigos/persuasao-em-cobranca.jpg</image:loc>
	<image:caption>Persuasão em Cobrança</image:caption>
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<url>
	<loc>https://www.creditoecobranca.com/artigos/score-de-credito</loc>
	<lastmod>2022-01-04T16:08:47-03:00</lastmod>
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	<image:loc>https://www.creditoecobranca.com/images/artigos/score-de-credito.png</image:loc>
	<image:caption>Score de crédito: O que é e como funciona?</image:caption>
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<url>
	<loc>https://www.creditoecobranca.com/artigos/7-medidas-para-potencializar-a-cobranca-de-dividas</loc>
	<lastmod>2021-09-29T16:45:49-03:00</lastmod>
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	<image:loc>https://www.creditoecobranca.com/images/artigos/7-medidas-para-potencializar-a-cobranca-de-dividas.jpg</image:loc>
	<image:caption>7 Medidas para potencializar a cobrança de dívidas</image:caption>
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</url>
<url>
	<loc>https://www.creditoecobranca.com/artigos/cobranca-online-ou-cobranca-digital</loc>
	<lastmod>2021-09-15T17:28:05-03:00</lastmod>
	<image:image>
	<image:loc>https://www.creditoecobranca.com/images/artigos/cobranca-online-ou-cobranca-digital.jpg</image:loc>
	<image:caption>Cobrança online ou cobrança digital</image:caption>
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</url>
<url>
	<loc>https://www.creditoecobranca.com/artigos/nota-promissoria</loc>
	<lastmod>2021-09-01T17:30:25-03:00</lastmod>
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	<image:loc>https://www.creditoecobranca.com/images/artigos/artigo-nota-promissoria.jpg</image:loc>
	<image:caption>Nota Promissória</image:caption>
	</image:image>
</url>
<url>
	<loc>https://www.creditoecobranca.com/artigos/negativar-ou-protestar-como-lidar-com-inadimplentes</loc>
	<lastmod>2021-08-17T16:49:26-03:00</lastmod>
	<image:image>
	<image:loc>https://www.creditoecobranca.com/images/artigos/negativar-ou-protestar.jpg</image:loc>
	<image:caption>Negativar ou protestar</image:caption>
	</image:image>
</url>
<url>
	<loc>https://www.creditoecobranca.com/artigos/contas-a-receber</loc>
	<lastmod>2021-07-20T17:55:35-03:00</lastmod>
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	<image:loc>https://www.creditoecobranca.com/images/artigos/contas-a-receber.jpg</image:loc>
	<image:caption>Contas a receber</image:caption>
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</url>
<url>
	<loc>https://www.creditoecobranca.com/artigos/socio-paga-divida-da-empresa</loc>
	<lastmod>2021-06-10T22:08:36-03:00</lastmod>
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	<image:loc>https://www.creditoecobranca.com/images/artigos/socio-paga-divida-da-empresa.jpg</image:loc>
	<image:caption>Sócio paga dívida da empresa?</image:caption>
	</image:image>
</url>
<url>
	<loc>https://www.creditoecobranca.com/artigos/mensagem-de-cobranca-no-whatsapp</loc>
	<lastmod>2021-06-08T20:10:30-03:00</lastmod>
	<image:image>
	<image:loc>https://www.creditoecobranca.com/images/artigos/mensagem-de-cobranca-no-whatsapp.jpg</image:loc>
	<image:caption>Mensagem de cobrança no WhatsApp</image:caption>
	</image:image>
</url>
<url>
	<loc>https://www.creditoecobranca.com/artigos/cobranca-de-divida-pelo-whatsapp</loc>
	<lastmod>2021-06-08T19:53:38-03:00</lastmod>
	<image:image>
	<image:loc>https://www.creditoecobranca.com/images/artigos/cobranca-pelo-whatsapp.jpg</image:loc>
	<image:caption>cobrança pelo whatsapp</image:caption>
	</image:image>
</url>
<url>
	<loc>https://www.creditoecobranca.com/artigos/avaliacao-de-desempenho-em-credito-e-cobranca</loc>
	<lastmod>2021-06-02T15:53:55-03:00</lastmod>
	<image:image>
	<image:loc>https://www.creditoecobranca.com/images/artigos/avaliacao-de-desempenho-em-credito-e-cobranca.jpg</image:loc>
	<image:caption>Avaliação de desempenho em crédito e cobrança</image:caption>
	</image:image>
</url>
<url>
	<loc>https://www.creditoecobranca.com/artigos/motivacao-e-produtividade-em-cobranca</loc>
	<lastmod>2021-05-28T11:06:53-03:00</lastmod>
	<image:image>
	<image:loc>https://www.creditoecobranca.com/images/artigos/motivacao-e-produtividade-em-cobranca.jpg</image:loc>
	<image:caption>Motivação e produtividade em cobrança</image:caption>
	</image:image>
</url>
<url>
	<loc>https://www.creditoecobranca.com/artigos/o-que-te-impede-de-fazer-cobranca</loc>
	<lastmod>2021-05-24T16:51:41-03:00</lastmod>
	<image:image>
	<image:loc>https://www.creditoecobranca.com/images/artigos/o-que-te-impede-de-fazer-cobranca.jpg</image:loc>
	<image:caption>O que te impede de fazer cobrança?</image:caption>
	</image:image>
</url>
<url>
	<loc>https://www.creditoecobranca.com/artigos/prevencao-a-fraudes-em-credito-e-cobranca</loc>
	<lastmod>2021-05-05T18:05:02-03:00</lastmod>
	<image:image>
	<image:loc>https://www.creditoecobranca.com/images/artigos/prevencao-a-fraudes-em-credito-e-cobranca.jpg</image:loc>
	<image:caption>Prevenção a fraudes em Crédito e Cobrança</image:caption>
	</image:image>
</url>
<url>
	<loc>https://www.creditoecobranca.com/artigos/o-que-eh-o-credito</loc>
	<lastmod>2021-04-15T15:12:41-03:00</lastmod>
	<image:image>
	<image:loc>https://www.creditoecobranca.com/images/artigos/o-que-e-credito.jpg</image:loc>
	<image:caption>O Que é o Crédito</image:caption>
	</image:image>
</url>
<url>
	<loc>https://www.creditoecobranca.com/artigos/newsletter/como-evitar-golpes-e-fraudes-em-credito-e-cobranca</loc>
	<lastmod>2021-04-06T21:58:37-03:00</lastmod>
	<image:image>
	<image:loc>https://www.creditoecobranca.com/images/artigos/como-evitar-golpes-e-fraudes-em-credito-e-cobranca.jpg</image:loc>
	<image:caption>Como Evitar Golpes e Fraudes em Crédito e Cobrança</image:caption>
	</image:image>
</url>
<url>
	<loc>https://www.creditoecobranca.com/artigos/golpistas-fraudes-contra-fornecedores</loc>
	<lastmod>2021-04-06T21:54:49-03:00</lastmod>
	<image:image>
	<image:loc>https://www.creditoecobranca.com/images/artigos/golpistas-fraudes-contra-credores.jpg</image:loc>
	<image:caption>Golpistas fraudes em crédito e cobrança</image:caption>
	</image:image>
</url>
<url>
	<loc>https://www.creditoecobranca.com/artigos/cobranca-judicial-de-divida</loc>
	<lastmod>2021-03-03T12:48:09-03:00</lastmod>
	<image:image>
	<image:loc>https://www.creditoecobranca.com/images/artigos/cobranca-judicial-de-divida.jpg</image:loc>
	<image:caption>Cobrança judicial de dívida</image:caption>
	</image:image>
</url>
<url>
	<loc>https://www.creditoecobranca.com/artigos/cobranca-extrajudicial</loc>
	<lastmod>2021-02-05T22:32:31-03:00</lastmod>
	<image:image>
	<image:loc>https://www.creditoecobranca.com/images/artigos/cobranca-extrajudicial.jpg</image:loc>
	<image:caption>Cobrança extrajudicial</image:caption>
	</image:image>
</url>
<url>
	<loc>https://www.creditoecobranca.com/artigos/como-fazer-uma-analise-de-credito</loc>
	<lastmod>2020-12-14T14:30:46-03:00</lastmod>
	<image:image>
	<image:loc>https://www.creditoecobranca.com/images/artigos/como-fazer-uma-analise-de-credito.jpg</image:loc>
	<image:caption>Como é feita uma Análise de Crédito?</image:caption>
	</image:image>
</url>
<url>
	<loc>https://www.creditoecobranca.com/artigos/consulta-gratuita-de-protesto-em-cartorio</loc>
	<lastmod>2020-12-11T22:35:44-03:00</lastmod>
	<image:image>
	<image:loc>https://www.creditoecobranca.com/images/artigos/consulta-gratuita-de-protesto-em-cartorio.jpg</image:loc>
	<image:caption>Consulta gratuita de protesto em cartório</image:caption>
	</image:image>
</url>
<url>
	<loc>https://www.creditoecobranca.com/artigos/consulta-gratuita-de-cheques-dos-clientes</loc>
	<lastmod>2020-11-11T18:54:04-03:00</lastmod>
	<image:image>
	<image:loc>https://www.creditoecobranca.com/images/artigos/consulta-gratuita-de-cheques-dos-clientes.jpg</image:loc>
	<image:caption>Consulta Gratuita de Cheques dos Clientes</image:caption>
	</image:image>
</url>
<url>
	<loc>https://www.creditoecobranca.com/artigos/duvidas/sou-obrigado-a-aceitar-cheques</loc>
	<lastmod>2020-11-03T19:14:41-03:00</lastmod>
	<image:image>
	<image:loc>https://www.creditoecobranca.com/images/artigos/sou-obrigado-a-aceitar-cheques.jpg</image:loc>
	<image:caption>Sou obrigado a aceitar cheques?</image:caption>
	</image:image>
</url>
<url>
	<loc>https://www.creditoecobranca.com/artigos/newsletter/prazo-medio-de-faturamento-e-prazo-medio-de-recebimento</loc>
	<lastmod>2020-11-03T17:54:43-03:00</lastmod>
	<image:image>
	<image:loc>https://www.creditoecobranca.com/images/artigos/prazo-medio-de-faturamento.jpg</image:loc>
	<image:caption>Prazo Médio de Faturamento e Prazo Médio de Recebimento</image:caption>
	</image:image>
</url>
<url>
	<loc>https://www.creditoecobranca.com/artigos/cobranca-e-inadimplencia-em-momento-de-crise</loc>
	<lastmod>2020-10-29T16:23:51-03:00</lastmod>
	<image:image>
	<image:loc>https://www.creditoecobranca.com/images/artigos/cobranca-e-inadimplencia-em-tempos-de-crise.jpg</image:loc>
	<image:caption>Cobrança e Inadimplência em Momento de Crise</image:caption>
	</image:image>
</url>
<url>
	<loc>https://www.creditoecobranca.com/artigos/de-onde-vem-o-medo-de-cobrar-o-devedor</loc>
	<lastmod>2020-10-28T00:49:20-03:00</lastmod>
	<image:image>
	<image:loc>https://www.creditoecobranca.com/images/artigos/de-onde-vem-o-medo-de-cobrar-o-devedor.jpg</image:loc>
	<image:caption>De onde vem o medo de Cobrar o Devedor</image:caption>
	</image:image>
</url>
<url>
	<loc>https://www.creditoecobranca.com/artigos/como-fazer-uma-cobranca-conheca-agora-as-melhores-praticas</loc>
	<lastmod>2020-10-28T00:40:08-03:00</lastmod>
	<image:image>
	<image:loc>https://www.creditoecobranca.com/images/artigos/como-fazer-cobranca-de-dividas.jpg</image:loc>
	<image:caption>Como fazer uma cobranca</image:caption>
	</image:image>
</url>
<url>
	<loc>https://www.creditoecobranca.com/artigos/modelo-de-email-de-cobranca</loc>
	<lastmod>2020-10-28T00:36:22-03:00</lastmod>
	<image:image>
	<image:loc>https://www.creditoecobranca.com/images/artigos/modelo-de-email-de-cobranca.jpg</image:loc>
	<image:caption>Modelo de Email de Cobrança</image:caption>
	</image:image>
</url>
<url>
	<loc>https://www.creditoecobranca.com/artigos/evitar-e-combater-a-inadimplencia</loc>
	<lastmod>2020-10-28T00:35:28-03:00</lastmod>
	<image:image>
	<image:loc>https://www.creditoecobranca.com/images/artigos/evitar-e-combater-inadimplencia.jpg</image:loc>
	<image:caption>Evitar e Combater a Inadimplência</image:caption>
	</image:image>
</url>
<url>
	<loc>https://www.creditoecobranca.com/artigos/quem-deve-cancelar-o-protesto-em-cartorio</loc>
	<lastmod>2020-10-27T21:17:34-03:00</lastmod>
	<image:image>
	<image:loc>https://www.creditoecobranca.com/images/artigos/quem-e-responsavel-pela-baixa-do-protesto.jpg</image:loc>
	<image:caption>Quem deve cancelar o Protesto em Cartório?</image:caption>
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</url>
<url>
	<loc>https://www.creditoecobranca.com/artigos/protesto-de-titulos</loc>
	<lastmod>2020-10-27T21:00:48-03:00</lastmod>
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	<image:loc>https://www.creditoecobranca.com/images/artigos/protesto-de-titulos.jpg</image:loc>
	<image:caption>Protesto de Títulos</image:caption>
	</image:image>
</url>
<url>
	<loc>https://www.creditoecobranca.com/artigos/como-cobrar-cheques-devolvidos</loc>
	<lastmod>2020-10-27T20:19:25-03:00</lastmod>
	<image:image>
	<image:loc>https://www.creditoecobranca.com/images/artigos/como-cobrar-cheques-devolvidos.jpg</image:loc>
	<image:caption>Como cobrar cheques devolvidos</image:caption>
	</image:image>
</url>
<url>
	<loc>https://www.creditoecobranca.com/artigos/sou-obrigado-a-conceder-credito</loc>
	<lastmod>2020-10-27T20:13:59-03:00</lastmod>
	<image:image>
	<image:loc>https://www.creditoecobranca.com/images/artigos/sou-obrigado-a-conceder-credito.jpg</image:loc>
	<image:caption>Sou obrigado a conceder crédito?</image:caption>
	</image:image>
</url>
<url>
	<loc>https://www.creditoecobranca.com/artigos/o-que-fazer-quando-o-devedor-nao-quer-pagar</loc>
	<lastmod>2020-10-27T20:03:48-03:00</lastmod>
	<image:image>
	<image:loc>https://www.creditoecobranca.com/images/artigos/o-que-fazer-quando-o-devedor-nao-quer-pagar.jpg</image:loc>
	<image:caption>O que fazer quando o devedor não quer pagar?</image:caption>
	</image:image>
</url>
<url>
	<loc>https://www.creditoecobranca.com/artigos/credito-para-viabilizar-negocios</loc>
	<lastmod>2020-10-27T19:58:46-03:00</lastmod>
	<image:image>
	<image:loc>https://www.creditoecobranca.com/images/artigos/credito-para-viabilizar-negocios.jpg</image:loc>
	<image:caption>Crédito para Viabilizar Negócios</image:caption>
	</image:image>
</url>
<url>
	<loc>https://www.creditoecobranca.com/artigos/qual-e-o-indice-de-inadimplencia-aceitavel</loc>
	<lastmod>2020-10-27T19:17:32-03:00</lastmod>
	<image:image>
	<image:loc>https://www.creditoecobranca.com/images/artigos/qual-e-o-indice-de-inadimplencia-aceitavel.jpg</image:loc>
	<image:caption>Qual é o Índice de Inadimplência Aceitável?</image:caption>
	</image:image>
</url>
<url>
	<loc>https://www.creditoecobranca.com/artigos/tirador-de-fichas-ou-analista-de-credito</loc>
	<lastmod>2020-10-27T18:58:23-03:00</lastmod>
	<image:image>
	<image:loc>https://www.creditoecobranca.com/images/artigos/tirador-de-fichas-ou-analista-de-credito.jpg</image:loc>
	<image:caption>Tirador de fichas ou Analista de Crédito?</image:caption>
	</image:image>
</url>
<url>
	<loc>https://www.creditoecobranca.com/artigos/como-negociar-com-o-devedor</loc>
	<lastmod>2020-10-27T18:49:43-03:00</lastmod>
	<image:image>
	<image:loc>https://www.creditoecobranca.com/images/artigos/como-negociar-com-o-devedor.jpg</image:loc>
	<image:caption>Como negociar com o Devedor</image:caption>
	</image:image>
</url>
<url>
	<loc>https://www.creditoecobranca.com/artigos/quando-comecar-a-cobranca-dos-clientes-inadimplentes</loc>
	<lastmod>2020-10-27T17:44:18-03:00</lastmod>
	<image:image>
	<image:loc>https://www.creditoecobranca.com/images/artigos/quando-comecar-a-cobranca-dos-clientes-inadimplentes.jpg</image:loc>
	<image:caption>Quando começar a cobrança dos clientes inadimplentes?</image:caption>
	</image:image>
</url>
<url>
	<loc>https://www.creditoecobranca.com/artigos/combater-a-inadimplencia-ou-evitar-a-inadimplencia</loc>
	<lastmod>2020-10-27T17:31:14-03:00</lastmod>
	<image:image>
	<image:loc>https://www.creditoecobranca.com/images/artigos/combater-ou-evitar-a-Inadimplencia.jpg</image:loc>
	<image:caption>Combater a inadimplência ou evitar a inadimplência</image:caption>
	</image:image>
</url>
<url>
	<loc>https://www.creditoecobranca.com/artigos/o-responsavel-pela-inadimplencia</loc>
	<lastmod>2020-10-27T17:28:50-03:00</lastmod>
	<image:image>
	<image:loc>https://www.creditoecobranca.com/images/artigos/o-responsavel-pela-inadimplencia.jpg</image:loc>
	<image:caption>O Responsável pela inadimplência</image:caption>
	</image:image>
</url>
<url>
	<loc>https://www.creditoecobranca.com/artigos/a-origem-da-inadimplencia</loc>
	<lastmod>2020-10-27T17:23:29-03:00</lastmod>
	<image:image>
	<image:loc>https://www.creditoecobranca.com/images/artigos/a-origem-da-Indimplencia.jpg</image:loc>
	<image:caption>A Origem da Inadimplência</image:caption>
	</image:image>
</url>
<url>
	<loc>https://www.creditoecobranca.com/artigos/como-reduzir-a-inadimplencia-na-sua-empresa</loc>
	<lastmod>2020-10-27T17:16:47-03:00</lastmod>
	<image:image>
	<image:loc>https://www.creditoecobranca.com/images/artigos/como-reduzir-a-inadimplencia-na-sua-empresa.jpg</image:loc>
	<image:caption>Como fazer cobrança por telefone</image:caption>
	</image:image>
</url>
<url>
	<loc>https://www.creditoecobranca.com/artigos/como-fazer-cobranca-por-telefone</loc>
	<lastmod>2020-10-27T17:16:24-03:00</lastmod>
	<image:image>
	<image:loc>https://www.creditoecobranca.com/images/artigos/como-fazer-cobranca-por-telefone.jpg</image:loc>
	<image:caption>Como fazer cobrança por telefone</image:caption>
	</image:image>
</url>
<url>
	<loc>https://www.creditoecobranca.com/artigos/errar-na-concessao-de-credito</loc>
	<lastmod>2020-10-27T17:16:04-03:00</lastmod>
	<image:image>
	<image:loc>https://www.creditoecobranca.com/images/artigos/errar-na-concessao-de-credito.jpg</image:loc>
	<image:caption>Errar na Concessão de Crédito</image:caption>
	</image:image>
</url>
<url>
	<loc>https://www.creditoecobranca.com/artigos/duvidas/diferenca-entre-avalista-e-fiador</loc>
	<lastmod>2020-10-27T17:15:44-03:00</lastmod>
	<image:image>
	<image:loc>https://www.creditoecobranca.com/images/artigos/diferenca-entre-avalista-e-fiador-.jpg</image:loc>
	<image:caption>Diferença entre avalista e fiador</image:caption>
	</image:image>
</url>
<url>
	<loc>https://www.creditoecobranca.com/artigos/novas-atribuicoes-para-credito-e-cobranca</loc>
	<lastmod>2020-10-27T17:15:03-03:00</lastmod>
	<image:image>
	<image:loc>https://www.creditoecobranca.com/images/artigos/novas-atribuicoes-para-credito-e-cobranca.jpg</image:loc>
	<image:caption>Novas atribuições para crédito e cobrança</image:caption>
	</image:image>
</url>
<url>
	<loc>https://www.creditoecobranca.com/artigos/7-dicas-para-combater-a-inadimplencia</loc>
	<lastmod>2020-10-27T17:12:22-03:00</lastmod>
	<image:image>
	<image:loc>https://www.creditoecobranca.com/images/artigos/7-dicas-para-combater-a-inadimplencia.jpg</image:loc>
	<image:caption>7 dicas para combater a inadimplência</image:caption>
	</image:image>
</url>
<url>
	<loc>https://www.creditoecobranca.com/artigos/medidas-abusivas-de-cobranca</loc>
	<lastmod>2020-10-27T16:18:48-03:00</lastmod>
	<image:image>
	<image:loc>https://www.creditoecobranca.com/images/artigos/medidas-abusivas-de-cobranca.jpg</image:loc>
	<image:caption>Medidas Abusivas de Cobrança</image:caption>
	</image:image>
</url>
<url>
	<loc>https://www.creditoecobranca.com/artigos/inadimplencia-escolar</loc>
	<lastmod>2020-07-19T01:24:20-03:00</lastmod>
	<image:image>
	<image:loc>https://www.creditoecobranca.com/images/artigos/inadimplencia-escolar.jpg</image:loc>
	<image:caption>Inadimplência Escolar</image:caption>
	</image:image>
</url>
<url>
	<loc>https://www.creditoecobranca.com/artigos/o-trabalho-do-cobrador-de-dividas</loc>
	<lastmod>2020-06-27T19:53:20-03:00</lastmod>
	<image:image>
	<image:loc>https://www.creditoecobranca.com/images/artigos/o-trabalho-do-cobrador.jpg</image:loc>
	<image:caption>O trabalho do cobrador de dívidas</image:caption>
	</image:image>
</url>
<url>
	<loc>https://www.creditoecobranca.com/artigos/cobranca-por-telefone</loc>
	<lastmod>2020-06-25T13:24:50-03:00</lastmod>
	<image:image>
	<image:loc>https://www.creditoecobranca.com/images/artigos/cobranca-por-telefone.jpg</image:loc>
	<image:caption>Como fazer cobrança por telefone</image:caption>
	</image:image>
</url>
<url>
	<loc>https://www.creditoecobranca.com/artigos/certificacao-em-cobranca-de-dividas</loc>
	<lastmod>2020-06-24T19:18:05-03:00</lastmod>
	<image:image>
	<image:loc>https://www.creditoecobranca.com/images/artigos/certificacao-em-cobranca-de-dividas.jpg</image:loc>
	<image:caption>Certificação em cobrança de dívidas</image:caption>
	</image:image>
</url>
<url>
	<loc>https://www.creditoecobranca.com/artigos/recuperacao-de-credito</loc>
	<lastmod>2020-06-06T14:25:42-03:00</lastmod>
	<image:image>
	<image:loc>https://www.creditoecobranca.com/images/artigos/recuperacao-de-credito.jpg</image:loc>
	<image:caption>Recuperação de crédito: Entenda o que é</image:caption>
	</image:image>
</url>
<url>
	<loc>https://www.creditoecobranca.com/artigos/cheques/prescricao-do-cheque</loc>
	<lastmod>2020-06-02T10:27:16-03:00</lastmod>
	<image:image>
	<image:loc>https://www.creditoecobranca.com/images/artigos/prescricao-do-cheque.jpg</image:loc>
	<image:caption>Prescrição do cheque</image:caption>
	</image:image>
</url>
<url>
	<loc>https://www.creditoecobranca.com/artigos/os-fundamentos-do-mercado-de-cobranca</loc>
	<lastmod>2020-04-11T20:45:13-03:00</lastmod>
	<image:image>
	<image:loc>https://www.creditoecobranca.com/images/artigos/os-fundamentos-do-mercado-de-cobranca.jpg</image:loc>
	<image:caption>Os fundamentos do mercado de cobrança</image:caption>
	</image:image>
</url>
<url>
	<loc>https://www.creditoecobranca.com/artigos/muito-antes-da-cobranca-digital</loc>
	<lastmod>2020-04-11T20:40:54-03:00</lastmod>
	<image:image>
	<image:loc>https://www.creditoecobranca.com/images/artigos/muito-antes-da-cobranca-digital.jpg</image:loc>
	<image:caption>Muito antes da cobrança digital</image:caption>
	</image:image>
</url>
<url>
	<loc>https://www.creditoecobranca.com/artigos/mediacao-mais-um-instrumento-de-cobranca</loc>
	<lastmod>2020-04-11T20:40:28-03:00</lastmod>
	<image:image>
	<image:loc>https://www.creditoecobranca.com/images/artigos/mediacao-mais-um-instrumento-de-cobranca.jpg</image:loc>
	<image:caption>Mediação, mais um instrumento de cobrança?</image:caption>
	</image:image>
</url>
<url>
	<loc>https://www.creditoecobranca.com/artigos/inteligencia-em-credito-e-cobranca</loc>
	<lastmod>2020-04-11T20:39:12-03:00</lastmod>
	<image:image>
	<image:loc>https://www.creditoecobranca.com/images/artigos/inteligencia-em-credito-e-cobranca.jpg</image:loc>
	<image:caption>Inteligência em Crédito e Cobrança</image:caption>
	</image:image>
</url>
<url>
	<loc>https://www.creditoecobranca.com/artigos/o-fundamento-da-cobranca-de-dividas</loc>
	<lastmod>2020-04-11T20:37:22-03:00</lastmod>
	<image:image>
	<image:loc>https://www.creditoecobranca.com/images/artigos/o-fundamento-da-cobranca-de-dividas.jpg</image:loc>
	<image:caption>O que te impede de fazer cobrança?</image:caption>
	</image:image>
</url>
<url>
	<loc>https://www.creditoecobranca.com/artigos/duvidas/pagamento-em-cartorio-sem-juros</loc>
	<lastmod>2020-04-11T20:34:14-03:00</lastmod>
	<image:image>
	<image:loc>https://www.creditoecobranca.com/images/artigos/pagamento-em-cartorio-sem-juros.jpg</image:loc>
	<image:caption>Pagamento em Cartório sem Juros</image:caption>
	</image:image>
</url>
<url>
	<loc>https://www.creditoecobranca.com/artigos/duvidas/reconhecer-firma-da-carta-de-anuencia</loc>
	<lastmod>2020-04-11T20:33:27-03:00</lastmod>
	<image:image>
	<image:loc>https://www.creditoecobranca.com/images/artigos/reconhecer-firma-da-carta-de-anuencia.jpg</image:loc>
	<image:caption>Reconhecer Firma da Carta de Anuência</image:caption>
	</image:image>
</url>
<url>
	<loc>https://www.creditoecobranca.com/artigos/grandes-redes-verbas-e-abatimentos</loc>
	<lastmod>2020-04-11T20:32:35-03:00</lastmod>
	<image:image>
	<image:loc>https://www.creditoecobranca.com/images/artigos/grandes-redes-verbas-e-abatimentos.jpg</image:loc>
	<image:caption>Grandes Redes - Verbas e Abatimentos</image:caption>
	</image:image>
</url>
<url>
	<loc>https://www.creditoecobranca.com/artigos/newsletter/indicadores-de-inadimplencia-em-credito-e-cobranca</loc>
	<lastmod>2020-04-11T17:30:56-03:00</lastmod>
	<image:image>
	<image:loc>https://www.creditoecobranca.com/images/artigos/indicadores.jpg</image:loc>
	<image:caption>Indicadores em crédito e cobrança</image:caption>
	</image:image>
</url>
<url>
	<loc>https://www.creditoecobranca.com/artigos/newsletter/metas-em-credito-e-cobranca</loc>
	<lastmod>2020-04-11T17:24:04-03:00</lastmod>
	<image:image>
	<image:loc>https://www.creditoecobranca.com/images/artigos/metas-credito-e-cobranca.jpg</image:loc>
	<image:caption>Metas em Crédito e Cobrança</image:caption>
	</image:image>
</url>
<url>
	<loc>https://www.creditoecobranca.com/artigos/cheques/cadastro-de-emitentes-de-cheques-sem-fundos</loc>
	<lastmod>2020-04-11T17:22:48-03:00</lastmod>
	<image:image>
	<image:loc>https://www.creditoecobranca.com/images/artigos/cadastro-de-emitentes-de-cheques-sem-fundos.jpg</image:loc>
	<image:caption>Cadastro de emitentes de cheques sem fundos</image:caption>
	</image:image>
</url>
<url>
	<loc>https://www.creditoecobranca.com/artigos/motivacao-em-credito-e-cobranca</loc>
	<lastmod>2020-04-11T17:21:20-03:00</lastmod>
	<image:image>
	<image:loc>https://www.creditoecobranca.com/images/artigos/motivao-em-credito-e-cobranca.jpg</image:loc>
	<image:caption>Motivação em crédito e cobrança</image:caption>
	</image:image>
</url>
<url>
	<loc>https://www.creditoecobranca.com/artigos/motivo-20-de-devolucao</loc>
	<lastmod>2020-04-11T17:15:40-03:00</lastmod>
	<image:image>
	<image:loc>https://www.creditoecobranca.com/images/artigos/Motivo-20-de-Devolucao-de-Cheque.jpg</image:loc>
	<image:caption>Motivo 20 de devolução de cheque</image:caption>
	</image:image>
</url>
<url>
	<loc>https://www.creditoecobranca.com/artigos/duvidas/cobranca-a-um-devedor-pessoal</loc>
	<lastmod>2020-04-11T17:14:09-03:00</lastmod>
</url>
<url>
	<loc>https://www.creditoecobranca.com/artigos/duvidas/a-obrigatoriedade-do-recebimento-de-cheque</loc>
	<lastmod>2020-04-11T17:13:10-03:00</lastmod>
</url>
<url>
	<loc>https://www.creditoecobranca.com/artigos/duvidas/a-finalidade-do-cruzamento-do-cheque</loc>
	<lastmod>2020-04-11T17:12:39-03:00</lastmod>
	<image:image>
	<image:loc>https://www.creditoecobranca.com/images/artigos/a-finalidade-do-cruzamento-do-cheque.jpg</image:loc>
	<image:caption>A finalidade do cruzamento do cheque</image:caption>
	</image:image>
</url>
</urlset>
