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The government launched the Desenrola Brasil program for debt renegotiation on July 17, and it quickly gained prominence. Within a month, Caixa Econômica Federal renegotiated debts worth R$1.5 billion. On Wednesday (16), the bank presented a report highlighting that it had consolidated more than 88,000 contracts with approximately 70,000 customers.
According to Caixa, 92% of these agreements involved immediate payments. The main debts discussed with customers under the Desenrola Brasil program were related to credit cards, followed by overdrafts and Direct Consumer Credit (CDC).
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The government established Desenrola Brasil to alleviate citizens' indebtedness, providing discounts of up to 90% for lump-sum payments. In addition, the program allows payment in up to 120 installments, with the down payment and first installment due after 30 days.
Caixa has extended special offers to renegotiate housing loans. In this scenario, the bank proposes consolidation, partial payment, and the use of the Severance Indemnity Fund (FGTS). The Habilitação Caixa app details the renegotiation conditions, customized for each agreement.
To clarify questions, interested parties can consult the terms of Desenrola Brasil and Caixa’s renegotiation program on the Negociar Dívidas website. This website offers details about discounts and included contracts.
Further information about Desenrola Brasil can be found on the Caixa website, at bank branches, and by calling Alô Caixa at 4004 0104 (capital cities and metropolitan areas) and 0800-104-0104 (other regions).
How Desenrola Brasil Works
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According to the Ministry of Finance, Desenrola Brasil operates through a reverse auction among creditors, classified by type of credit. Thus, the creditor offering the largest discount enters the program, placing the debt in renegotiation with a guarantee of settlement.
The government confirmed that Desenrola Brasil unfolds in three phases. The first two began with the launch of the program on July 17, aiming to settle bank debts of up to R$ 100. In the auction, banks can mobilize funds to ensure renegotiation.
Program Structure
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Desenrola Brasil has two categories. The first includes individuals who earn up to two minimum wages or are registered in the Cadastro Único, whose names were negatively listed by December 31, 2022.
To pay off debts, beneficiaries can take out bank loans backed by the federal Fundo de Garantia de Operações (FGO).
The second category, according to the Ministry of Finance, is intended solely for bank debtors. Here, renegotiation takes place directly between customers and banks, without FGO oversight.
