Launched in July, the Desenrola Brasil program aims to provide means for approximately 70 million indebted individuals to settle their financial debts. Through partnerships with banking institutions, the program offers proposals that can reduce the value of existing debts by up to 95%.
In its early days, Desenrola Brasil focused exclusively on negotiating bank debts. However, as of October, its scope was expanded to include debt negotiations with other categories of creditors, but only for consumers in bracket 1 – that is, those whose monthly income does not exceed two minimum wages or who are registered in the Single Registry.
Negotiating with Banks through Desenrola Brasil
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The banks associated with Desenrola Brasil are vital elements for the success of the program. However, it is worth emphasizing that their participation is not mandatory and they can decline the negotiation offer. This is because the federal government proposed as an incentive the reduction of taxation for banks, which allows them to pay less taxes.
Furthermore, banks have also agreed to remove restrictions on the CPF of those who have debts of up to R$100. This means that, although these people still have debts, they will not be able to have their names blacklisted due to default.
Around 6 million consumers have already benefited from this action to date.
Members of Desenrola Brasil
Several large banks actively participate in the Desenrola Brasil program, proposing agreements through their platforms. Some of the main participants include:
- Bank of Brazil
- Nubank
- Banrisul
- Itau
- Federal Savings Bank
- PicPay
- Bradesco
- Santander Brazil
- C6 Bank
- Inter Bank
- Mercado Pago
The extensive participation of the main national banks ensures that consumers have several negotiation options to settle their debts.
The Impact of Desenrola Brasil on Economic Revitalization
Desenrola Brasil plays a vital role in the revitalization of the country’s economy. By helping millions of people regularize their finances and free themselves from debt, the program helps reduce default rates and improve consumers’ financial health.
Furthermore, by mediating citizens' debts, Desenrola Brasil encourages consumption, since, without default restrictions, people can access credit again and make purchases. This stimulates several economic segments, creating jobs and boosting the market.
How to join Desenrola Brasil?
To join Desenrola Brasil and take advantage of debt negotiation options, it is imperative to be aware of the program's requirements and phases.
Phase 1: Program Registration
The first step is to register for the program. There are two ways to register: by registering in the Single Registry or by proving a monthly income of up to two minimum wages. This information is crucial to verify whether the consumer falls into band 1 and can engage in negotiations.
Phase 2: Access to the Platform
After registering, the consumer gains access to the Desenrola Brasil platform, where they can view the available negotiation offers. It is crucial to remember that negotiations occur exclusively through the platforms of the participating banks.
Phase 3: Selecting the Ideal Offer
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By joining the platform, the consumer can examine the various trading offers available and opt for the one that best suits their financial situation. It is vital to carefully read the terms and conditions proposed by the banks before making a decision.
Phase 4: Conclusion of the Agreement
After selecting a trading offer, the consumer must follow the platform’s guidelines to complete the deal. This may involve filling out forms, submitting documents, and verifying personal data.
Additionally, the Desenrola Brasil program emerges as an excellent opportunity for millions of people to eliminate their debts and restart their financial journey.
With the contribution of the country's main banks, consumers have access to negotiation offers that can considerably reduce the value of their outstanding debts.
However, it is important to note that banks are not required to participate in the program and may reject the settlement offer. Therefore, it is essential that consumers are aware of the program's requirements and phases to ensure their participation and take advantage of the negotiation opportunities offered by the Program.
Don't miss this opportunity to get rid of your debts and restart your financial life with the Program!
