Advertisements
Desenrola, the Federal Government's debt restructuring program, began its activities nationwide in July. Initially, it is divided into three phases. The first two began on June 17, covering the forgiveness of debts of up to R$100 and the reorganization of bank debts.
However, the Desenrola program aims to benefit approximately 30 million Brazilian citizens in default. In fact, those with debts of up to R$100 or a monthly income of up to R$20,000, with no limit on debts held with banks, can participate.
Advertisements
It is important to highlight that these individuals are part of Desenrola's tier 2. For them, banks must propose the restructuring of overdue debts through their communication channels. The banks participating in the government program will conduct the process directly with their customers.
Similarly, several banks have joined the federal Desenrola program, providing various options for customers to settle their debts without difficulty. In fact, negotiation is available to people in default, offering several advantages with these banks.
Read also: Desenrola Brasil: Debt Renegotiations Anticipated by Major Retailers
Financial Institutions
To renegotiate overdue debts with Banco Bradesco, the customer must access the bank’s website. It is possible to search using the CPF in a specific field, free of charge. The bank will then provide a code to redirect the customer to another page.
On this page, the customer can renegotiate their overdue debts with the bank. According to Bradesco, they offer special payment terms, allowing payment in up to 60 installments. Negotiation is also possible via Whatsapp at (11) 4858-5151.
To renegotiate with Caixa Econômica Federal, the customer must use the Caixa Tem app. The user must select “Desenrola Brasil”. Alternatively, they can visit the bank’s website to participate.
The debtor can view all the options offered by Caixa on the Caixa Desenrola website. If preferred, it is also possible to access the bank’s Whatsapp at 0800-104-0104 or call 4004-0104 in metropolitan areas.
Desenrola Brasil
According to Febraban, since July 17, Desenrola has renegotiated R$2.5 billion in 400 thousand contracts. It also removed the negative credit listing of approximately 3.5 million defaulters with debts of up to R$100 within two weeks.
The Desenrola program, a campaign promise of President Lula, aims to facilitate debt renegotiation. Its objective is to remove a large number of citizens from the list of defaulters and boost consumption.
Febraban recorded the renegotiations in tier 2 of Desenrola Brasil. These are individuals with debts incurred by December 31, 2022, and a monthly income of up to R$20,000. As for tier 1, it removed debts of up to R$100 from the list of defaulters.
Government Program
Read also: Learn everything about Values to Receive
In this context, people with no other debts will have their names cleared from systems such as Serasa and SPC. In short, this removal from the list of defaulters is a condition imposed by the government for banks to participate in the program.
Advertisements
The Ministry of Finance estimated 1.5 million participants at the beginning of Desenrola Brasil. In short, the target was surpassed in the first week. Removal from the list of defaulters does not mean forgiveness of the debt; it will continue to exist.
In fact, the Desenrola Brasil program has proven successful. The population is seeking ways to pay off debts resulting from recent economic crises. During Covid-19, many companies closed, unemployment increased, and many people went into debt.
