The Brazilian government has launched an innovative initiative, Desenrola Brasil, which aims to facilitate debt renegotiation for the country’s indebted citizens. With this new policy, Brazilians now have the option of using banking apps to renegotiate their debts, a significant step towards alleviating financial burdens and promoting better financial management.
Therefore, the program, which is part of an action by the Ministry of Finance, seeks to reduce general debt and offer a more accessible path for citizens to organize their finances.
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About the news from Desenrola Brasil
It is important to highlight that the economic team expects this facility to be available to the population from the end of February.
Implementation, however, depends on the collaboration of banks, which are responsible for the necessary adjustments to the programming interface of their applications.
In addition to banking institutions, credit bureaus such as Serasa have also joined forces with Desenrola Brasil to facilitate consumers’ access to agreements. Thus, the online nature of the negotiation process is a key facilitator, making it more accessible to a wider range of people.
Who can trade through Desenrola Brasil?
See below who can negotiate debt through Desenrola Brasil:
Track 1
- Consumers with earnings of up to R$1,000 per month or registered in the Single Registry (CadÚnico);
- They must negotiate directly on the Desenrola Brasil website;
- They can renegotiate negative debts from 2019 to 2022, whose updated value is less than R$$ 20 thousand.
Track 2
- Consumers with a monthly income of up to R$20,000;
- People whose bank debts were registered in defaulters' registers up to December 31, 2022;
- Negotiations can be made directly with the bank, without going through the Desenrola platform.
Thus, the Desenrola Brasil initiative represents a significant effort by the government to assist indebted citizens, offering them an opportunity to renegotiate their debts in a more convenient and flexible way.
Image: Pixabay/ joelfotos
