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With the “Desenrola Brasil” initiative, new hope emerges for thousands of Brazilians struggling with credit card debt. The program, which now runs through March of this year, opens a window of opportunity to renegotiate debts under special conditions, including those accumulated on credit cards.
Thus, this initiative is a significant milestone, considering that credit card debt is one of the main causes of default in the country. See more details below.
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Renegotiation opportunities with Desenrola Brasil
It is important to highlight that theDesenrola Brasil offers consumers the chance to negotiate various debts, including credit cards, loans, financing, utility bills, and others.
Then, by accessing the platform, users can see the original debt amount, the current amount with discounts applied, and the available payment options. They have two main choices for paying off their debts:
- Lump-sum payment: which may include discounts of up to 90% on the original debt amount;
- Installment payments: which can be extended to up to 60 monthly installments with an interest rate of 1.99% per month.
In addition, it is worth noting that not all creditors offer the option of payment in installments.
How do I pay off my debt?
Payment methods may vary according to the amount owed by each person. Therefore, for those who have debts of up to R$ 5,000, there is an installment payment opportunity, provided that the installments are not less than R$ 50.
Another relevant aspect is that the first installment of the renegotiation is due 30 days after signing the contract.
See the other payment options made available by the platform to Brazilians:
- Direct debit from a checking account;
- Issuance of a bank payment slip by email;
- Use of Pix for those who choose to pay in full.
Image: Skylar Kang/Pexels
