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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 occurs because, in general, renegotiation may seem like a short-term solution, but without financial knowledge, ensuring proper financial management becomes impossible.
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Without financial planning, can Desenrola become a trap for consumers?
According to experts, yes, this can really happen. And there are some points that we should take into consideration based on this premise. They are:
The debt does not necessarily go away
Read also: Desenrola Brasil: Debt Renegotiations Anticipated by Major Retailers
People may be creating the narrative that by negotiating through Desenrola, they will automatically be free of their debts, but that is not really how it works. Simply avoiding default may be temporary; however, the person will still have an outstanding debt to repay.
In other words, at the moment, you may even have a clean name and no longer be in default, but if you do not pay off this debt, you may become delinquent 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 total amount.
For example, a person may have a debt of R$ 3,000, but, when renegotiating, they may receive an offer of more than 90 installments of an amount considered “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 into the monthly budget. Because sometimes it is better to set aside the money to pay off the debt after some time than to renegotiate in this way.
Without organization, the person may become delinquent again
Finally, we must not forget that Desenrola can become a trap when there is a lack of genuine 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 the installment? In this case, besides increasing the total amount to be paid (as often happens), the person becomes delinquent again shortly afterward because they did not clearly plan how they would pay off that debt.
Consider studying finance before signing up for Desenrola Brasil
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Because of all these factors, it is essential to study finance before joining the Desenrola program. Sometimes, it is possible to find other, more promising ways to make the payments and ensure that your name is cleared again.
Avoid acting impulsively when negotiating a debt. We know that the distress of having a bad credit record can be quite intense, but it is necessary to do the math and make plans carefully so you are not frustrated by becoming delinquent again later.
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