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In Brazil, a large number of people face financial challenges due to outstanding debts. According to recent data from the Serasa Default Map, more than 71 million Brazilians are in default. This fact directly impacts the purchasing power of these people, affecting not only their lives, but also the national economy. Therefore, initiatives such as Unroll Brazil become crucial for the population.
The good news is that there are initiatives in Brazil that offer opportunities for debtors to regularize their financial situations. Unroll Brazil, a recent proposal from the Federal Government, offers debt negotiations with significant discounts.
Understand the effects of a negative credit history
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It is understandable that sometimes it is not possible to honor all financial commitments on time. Given the current turmoil and economic instability in Brazil, combined with high unemployment rates, many citizens are facing financial difficulties. However, frequently delaying payments can have serious consequences.
This is because, by repeatedly failing to meet their financial responsibilities, credit protection agencies begin to list this citizen as in default. Once marked as such, several negative consequences are triggered.
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For example, if labeled as a defaulter, several companies and institutions may consider this individual a financial risk. This means that obtaining credit cards, financing or loans becomes a challenge for him.
Learn how to settle your debts through Desenrola Brasil
In 2023, the Federal Government launched a proposal that aimed to transform the country's financial situation. The program Unroll Brazil emerged as a solution for the vast indebted population and as a boost for the Brazilian economy.
For those who don't know yet, the Unroll offers up to 90% discount on debt renegotiations for Brazilians. According to the Ministry of Finance, more than 5 million citizens have already benefited from the program.
However, it is essential to know the requirements of this program. It is intended for debts of up to R$5,000 and is only available to those with a monthly income of up to R$20,000. In certain cases, it is possible to divide the debt into up to 60 installments. For those who wish to take advantage of it, they can negotiate directly with the affiliated companies or through the official website on the Gov.Br Portal.
Next steps for Desenrola Brasil
Read also: Learn all about Amounts Receivable
The initial phase of the program Unroll Brazil focused on individuals with an income of up to R$20,000 per month and debts incurred with banks. This phase included debts registered from 2019 to 2022, excluding, for example, debts with electricity companies or clothing stores.
In September, a new phase of Unroll Brazil will begin. It will offer special conditions for:
- People with an income of up to two minimum wages per month;
- Individuals registered in the Single Registry;
- Several categories of debt will be eligible for negotiation.
