Desenrola Brasil, a debt renegotiation initiative by the Federal Government, began last Monday (17/07). However, citizens with multiple overdue debts, who are in default and have negative credit ratings with credit protection agencies, such as Serasa, are the beneficiaries.
Those who are in default will be able to settle their debts in a simple manner, with the help of the Federal Government's program, Desenrola. To apply, it is necessary to have debts with financial institutions until December 31, 2022.
Brazilians can check their outstanding debts or the status of their name with credit protection agencies by checking their websites for information related to their CPF. In the case of Serasa, this service is free, straightforward and easy to access.
To check the status of your CPF, you must visit the Serasa website or download the app available for Android or iOS devices. First, in both cases, the person must log in to their account, providing their CPF number and password.
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Query the defaulters registry
On the Serasa portal, if you do not have an account, you must create one. After this procedure, you can log in. When you access the page, your registration status is displayed, indicating whether there is any default. You may see restrictions on your name, protests at the notary's office, legal actions, etc.
In some cases, the page will display a problem with the citizen's registration and also their credit score. It is important to remember that checking the Serasa website is free. For those who wish to join the Federal Government's program, Desenrola Brasil, and pay off their debts, Serasa is a great partner.
Desenrola Brasil Program
Brazilian citizens in default who wish to join Desenrola Brasil will be able to negotiate debts registered with credit protection agencies until December 31, 2022. It is important to note that the debtor must have an income of up to R$1,400,000 and be enrolled in band 2 of the program.
In short, at Desenrola Brasil, negotiations of outstanding debts can occur directly with participating financial institutions. In addition, it is possible to negotiate with financial agents through Serasa Limpa Nome. Payment conditions vary according to the bank.
Financial institutions
In this way, Banco do Brasil will offer its customers payment options in installments of up to 120 months. The financial institution will grant a discount on its rates of up to 25% and 96% for paying the debt in cash. These benefits are only for a select audience.
Caixa Econômica Federal announced that it will offer differentiated payment conditions, such as a discount of up to 90% for paying debts in cash and paying the debt in installments between 12 and 96 months. Additionally, the financial institution will offer personalized rates and the first installment in 30 days.
Anyone wishing to join the Desenrola Brasil program with Bradesco must access the financial institution's website or other digital channels, such as Mobile, IB, Fone Fácil, and ATM. If you prefer, you can go directly to a branch. The conditions vary according to the debt profile.
Banco Itaú will offer discounts and special conditions for debt negotiation. The financial institution grants a reduction in interest rates of up to 60% on outstanding debts. To participate, simply access the online portal or call the telephone number (11) 4004-1144.
Finally, Banco Santander informs that it will present offers with and without down payment. Additionally, the financial institution offers flexible rates and discounts of up to 90%. The debt can be paid in installments of up to 120 months. Interested parties can call 4004-3535, or access the website.
