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Experts have stated that Without financial planning, Desenrola can become a trap and cause Brazilians to increase their debt with banks, stores and other establishments involved in the program.
This is because, in general, renegotiation may seem like a short-term solution, but without financial knowledge, it becomes impossible to ensure proper management of finances.
Without financial planning, could Desenrola become a trap for consumers?
According to experts, yes, this can happen. And there are some points that we should take into consideration based on this premise. They are:
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Debt does not necessarily end
Read also: Desenrola Brasil: Renegotiations of Early Debts by Grand Stores
People may be creating the idea that by trading on Desenrola, they will automatically be free from debt, but that is not the case. Simply avoiding default may be temporary; however, the person will still have an outstanding debt to be paid.
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In other words, at the moment, you may have your name cleared and the debt has been paid off, but if you do not pay off this debt, you may become a defaulter again.
The amount owed may increase in the long term
Another relevant aspect, often underestimated, is the amount of long-term debt. Many Brazilians accept the price to be paid without realizing the full value.
For example, a person may have a debt of R$3,000, but when renegotiating, they may receive a proposal for more than 90 installments of an amount seen as “low”, but which, in total, will exceed double or even triple what was actually owed.
Therefore, it is very important to calculate to what extent a new installment plan really makes sense just because it fits your budget each month. Because sometimes it is better to set aside the money to pay off the debt later than to renegotiate it this way.
Without organization, the person may become delinquent again.
Finally, we cannot forget that Desenrola can become a trap when there is a lack of real financial organization.
So stop and think: what's the point of negotiating a debt if, at the end of the month, there won't be enough money available to pay it? In this case, in addition to increasing the total amount to be paid (as often happens), the person will soon be in default again, because they didn't have a clear plan for how they will pay the debt.
Consider studying finance before joining Desenrola Brasil
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Because of all these factors, it is essential to study your finances before joining the Desenrola program. Sometimes, it is possible to find other, more promising ways to meet your payments and ensure that your name is clean again.
Avoid acting impulsively when negotiating a debt. We know that the anguish of having a bad credit history can be very intense, but it is necessary to make good calculations and plans so as not to be frustrated with a new default later.
