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Desenrola Brasil, a Federal Government initiative for renegotiating debts, began last Monday (17/07). However, citizens with multiple overdue debts, who are in default and listed with credit protection agencies such as Serasa, are the beneficiaries.
Those facing default can settle their debts easily with the help of the Federal Government's Desenrola program. To apply, they must have debts with financial institutions as of December 31, 2022.
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Brazilians can check for outstanding debts or the status of their name with credit protection agencies by viewing information related to their CPF on their websites. In Serasa's case, this service is free, quite straightforward, and easy to access.
To check the status of the CPF, visit the Serasa website or download the app available for Android or iOS devices. First, in both cases, the person must log in to their account by entering their CPF number and password.
Read also: WARNING: The DESENROLA Scam on WhatsApp Is Spreading Rapidly; Protect Yourself!
Checking the default registry
On the Serasa portal, if a person does not have an account, they must create one. After this procedure, they can log in. When accessing the page, their registration status is displayed, indicating whether there are any outstanding debts. Restrictions on their name, protests filed with a notary, legal proceedings, etc. may be observed.
In some cases, the page will display an issue with the citizen's registration as well as their credit score. It is important to remember that checking the Serasa website is free of charge. For those who wish to join the Federal Government's Desenrola Brasil program and pay off their debts, Serasa is a major partner.
Desenrola Brasil Program
Brazilian citizens with outstanding debts who wish to join Desenrola Brasil may negotiate debts recorded with credit protection agencies up to December 31, 2022. It is important to note that the debtor must have an income of up to R$ 20 thousand and be enrolled in program Tier 2.
In brief, in Desenrola Brasil, negotiations of outstanding debts can take place directly with participating financial institutions. In addition, it is possible to negotiate with financial agents through Serasa Limpa Nome. Payment terms vary depending on the bank.
Financial institutions
Thus, Banco do Brasil will offer its customers installment payment options of up to 120 months. The financial institution will grant a discount on its rates of up to 25% and 96% for payment of the debt in full. These benefits are only available to a selected audience.
Caixa Econômica Federal announced that it will provide differentiated payment terms, such as a discount of up to 90% for paying outstanding debts in full and installment payments for the debt over 12 to 96 months. Additionally, the financial institution will offer personalized rates, with the first installment due in 30 days.
Anyone wishing to join the Desenrola Brasil program through Bradesco should access the financial institution's website or other digital channels, such as Mobile, IB, Fone Fácil, and ATMs. Alternatively, they can go directly to a branch. The conditions vary according to the debt profile.
Itaú Bank will offer discounts and special conditions for negotiating debts. The financial institution grants an interest rate reduction of up to 60% on outstanding debts. To participate, simply access the online portal or call (11) 4004-1144.
Finally, Santander Bank states that it will present offers with and without a down payment. Additionally, the financial institution offers flexible rates and discounts of up to 90%. The debt can be paid in installments over up to 120 months. Interested parties can call 4004-3535 or access the website.
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