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The Brazilian government launched an innovative initiative, Desenrola Brasil, which aims to facilitate debt renegotiation for indebted citizens across the country. Thus, with this new policy, Brazilians now have the option to use banking apps to renegotiate their debts, a significant step toward alleviating the financial burden and promoting better financial management.
Therefore, the program, which is part of an initiative by the Ministry of Finance, seeks to reduce overall indebtedness and offer a more accessible path to citizens’ financial organization.
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About the Desenrola Brasil news
It is important to note that the economic team expects this convenience to be available to the public by the end of February.
Implementation, however, depends on the banks’ cooperation, as they are responsible for making the necessary adjustments to their apps’ programming interfaces.
In addition to banking institutions, credit bureaus such as Serasa have also joined 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 wide range of people.
Who can negotiate through Desenrola Brasil?
See below who can negotiate their debt through Desenrola Brasil:
Tier 1
- Consumers earning up to R$ 5 thousand per month or registered in the Single Registry (CadÚnico);
- They must negotiate directly on the Desenrola Brasil website;
- They can renegotiate debts reported as delinquent from 2019 to 2022, whose updated amount is less than R$ 20 thousand.
Tier 2
- Consumers with a monthly income of up to R$ 20 thousand;
- People whose bank debts were registered with credit default databases by December 31, 2022;
- Negotiation can be conducted directly with the bank, without going through the Desenrola platform.
Thus, the Desenrola Brasil initiative represents a significant government effort to assist indebted citizens, offering them an opportunity to renegotiate their debts in a more convenient and flexible manner.
Image: Pixabay/ joelfotos
