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Track 1 of the Desenrola Brasil program is intended for individuals with a monthly income of R$ 2,640 or those registered with CadÚnico.
This Monday (25), the federal government begins the next phase of the Desenrola Brasil program. Initially, the discount auction will take place, in which creditors registered in the program must declare the amount of debt they are willing to reduce.
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The next stage is aimed at the Track 1 public, consisting of individuals with a monthly income of up to two minimum wages (R$ 2,640) or those registered in the Single Registry for Social Programs of the Federal Government (CadÚnico).
Read also: DESENROLA BRASIL: New phase enables debt adjustment for more citizens!
The government estimates that approximately 40 million people in this category may benefit by renegotiating around R$ 50 billion in debt.
It will be possible to renegotiate amounts of up to R$ 5,000, divided into up to 60 installments. The applicable interest rate is 1.99% per month, with the minimum installment set at R$ 50.00. Registration for the government's digital services will be essential to proceed with the renegotiation.
Transactions related to Desenrola's Track 1 will be exempt from IOF.
Debts eligible for renegotiation include consumer and financial debts, such as:
- Water;
- Electricity;
- Telephone;
- Retail.
The program covers only debts incurred between January 1, 2019 and December 31, 2022. Debts linked to collateral, agricultural credit, real estate financing, and transactions involving third-party funding or risks will not be covered.
Tips for Renegotiating Debts
It is crucial to understand that renegotiating debts does not cancel them.
The Desenrola program aims to establish debt payment installments that are compatible with the debtor's financial planning. Therefore, committing to the timely payment of renegotiated debts is vital to avoid future negative credit reports.
Lucas Rodrigues, a lawyer specializing in Business Law and a member of the OAB/MS Banking Law Committee, emphasizes the debtor's need to manage their payment capacity by understanding their financial limits.
Rodrigues advises carefully recording all monthly financial transactions to maintain a clear view of the capital available to settle the debts.
When structuring the payment, the lawyer emphasizes the importance of understanding the total effective cost of the debts in question, which includes the principal, interest, and additional charges.
“Understanding this amount is crucial when deciding which debt to prioritize, since debts with a higher effective cost can grow more quickly if they are not paid off,” explains Rodrigues.
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Once it has been structured, the Business Law specialist suggests that the debtor use extra income to negotiate more favorable renegotiation terms.
“Using any surplus in monthly income to obtain more advantageous renegotiation terms is a valid strategy,” Rodrigues explains.
Read also: Desenrola: Understand the Auction Mechanism for Creditors!
Learn how to participate
Debtors in Tier 1 whose debts are included in the auction will be able to participate in Desenrola.
To do so, the debtor must register on the gov.br platform.
Additionally, Tier 1 participants must have an account with a silver or gold certification level and provide updated registration information.
