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Citizens registered with CadÚnico may join the new phase of Desenrola. Find out when it begins.
This week, the Ministry of Finance presented new information about the next phase of the federal Desenrola program. This stage will serve individuals with a per capita income of up to R$2,600 who accumulated debts of up to R$5,000 by December 31, 2022.
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According to the Ministry, the plan is to begin serving this public at the end of September, specifically between the 25th and 29th. Those registered with CadÚnico and beneficiaries of social programs, such as Bolsa Família, will also be included.
Who qualifies
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The stage beginning in September will include people who:
- have debts with banking institutions;
- have debts with retailers;
- have debts with water supply companies;
- owe money to electric power companies;
- have outstanding debts with telephone operators;
- have debts related to the payroll-deducted Auxílio Brasil loan.
There are two fundamental options for resolving indebtedness and regularizing the situation:
- Pay off the amount with significant discounts;
- Extend the repayment period by up to 60 months, with monthly interest of 1.99%.
Interface
The Ministry of Finance reported that launching Desenrola for this vulnerable group took longer due to the development of the official app. This audience will need the app to negotiate with their creditors.
Even before launching the app, the Ministry disclosed some of the features the software will have. See below.
- Download
Users will need to download the app from their respective app stores, as it will be available for both Android and iOS. The app is completely free.
- Registration
When accessing it, users will use their CPF to log into their account, which will be linked to the gov.br portal. If they do not yet have an account in the government system, they can create one immediately.
- Viewing debts
With the launch of the Desenrola app, citizens will be able to check all their outstanding debts. In addition, they will have the opportunity to see the discounts proposed by creditors. The offer presented can be accepted or rejected.
- Debts of up to R$ 100
The Government assured that those with debts of up to R$ 100 will have their situation regularized automatically. However, the debt still persists and may be negotiated through the app launching in September.
- Pix Option
The app will provide a payment option via Pix. It is a viable alternative, especially for those who wish to settle the debt all at once. However, there will also be the option to pay the amount in installments with interest of up to 1.99% per month.
- Beware of fraud
Until the official launch, it is essential that interested parties avoid downloading any app claiming to be related to Desenrola. Recently, fraudsters have been using this pretext to deceive many citizens.
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Focus on Desenrola Tier 1
Currently, the federal government primarily serves Desenrola Tier 2, consisting of citizens with a per capita income between two minimum wages and R$ 20,000. In this scenario, there is no need to use the app; direct contact with the financial institution is sufficient.
