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Desenrola: Federal initiative to assist with debt negotiation
The federal Desenrola program, in its first four weeks, renegotiated more than R$8.1 billion in citizens’ debts. The Brazilian Federation of Banks (Febraban) disclosed this information on Wednesday (16), referring to the period between July 17 and August 11.
In addition, Febraban reported that, during this period of Desenrola, 1.296 million contracts were agreed upon, benefiting and clearing the names of 985,000 customers throughout Brazil. The number of contracts exceeds the number of people because a single person may have several contracts.
In addition to these statistics, Febraban mentioned that more than 5 million individuals with debts of up to R$100 at institutions had their restrictions removed. Although these debts remain, these citizens now have easier access to the credit market.
“Desenrola’s success is evident and represents a victory for banks, the government, and the community. The massive participation, especially in Bracket 2, anticipates the positive impact expected for September with Bracket 1,” commented Isaac Sidney, president of Febraban.
Government Projections
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The federal government projects negotiating approximately R$ 50 billion in debt through Desenrola by the end of 2023. This estimate was shared by Finance Minister Fernando Haddad (PT) in a recent interview.
“Brazilians value the importance of keeping their name clear. However, with current interest rates, this becomes a challenge,” the minister observed.
“For the first time, the government is implementing a robust program to solve this issue and enable a balanced return to consumption,” he highlighted.
Desenrola Segmentation
The Desenrola program covers two specific groups:
Tier 1: Individuals with an income of up to two minimum wages who accumulated debts of up to R$ 5 thousand by December 31, 2022;
Tier 2: People with an income of up to R$ 20 and debts exclusively with financial institutions by December 31, 2022.
Currently, Desenrola is focused on people in Tier 2. Service for Tier 1 will begin in September, and the federal government expects this stage to reach an even larger number of citizens.
App in Sight
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For the next phase of Desenrola, the government intends to launch an official app. Although the details are not yet clear, there is already a general idea of its functionality for Tier 1:
Download: The free app will be available for Android and iOS in their respective app stores.
Account creation: Users will access it via their CPF, integrating with the gov.br system. If necessary, they will be able to create a new account.
Debt list: The app will allow users to view all debts and the discounts proposed by creditors, making decision-making easier.
Payment via Pix: The app will make it possible to pay off debts via Pix or, if preferred, pay in installments with interest of up to 1.99% per month.
Fraud alert
While the official app has not yet been launched, it is crucial that Tier 1 participants avoid downloading fake apps related to Desenrola. Recently, scammers have been exploiting this situation to deceive many individuals.
