Desenrola Brasil is a debt renegotiation program launched by the Federal Government. The initiative aims to help citizens get out of debt and regain financial control of their lives. It is through platform It unfolds that these negotiations take place.
However, this program is aimed at a specific audience. You need to check the information regarding who can participate, which is available on the Desenrola Brasil page. In addition, there are some debts that you no can finance. As stated on the website, they are:
- FIES debts;
- rural credit;
- real estate financing;
- credits with real guarantee;
- operations with third party funding or risk.
See more: What is the Early Childhood Benefit, from Bolsa Família?
Payment methods and participation rules
There are two payment options: you can pay in full or pay in installments over up to 60 months (if this is possible for the debt in question). It is important to highlight what is stated on the program's official website:
Individual debtors with a gross monthly income of up to two minimum wages or who are registered with CadÚnico are those who will be able to negotiate their debts with a discount. In addition, debts that were negative from 2019 to 2022 and whose updated value is less than R$$ 20 thousand can be renegotiated.
Trading through the Desenrola Brasil platform
To trade on the platform, you must first access it and log in using your Gov.br account. The Gov.br portal belongs to the Brazilian government and allows citizens to use a series of services in a more practical way.
To be able to use your account on Desenrola, you will need it to be silver or gold level. These levels refer to the level of security of each account. Since bank secrecy is involved, accounts must be authenticated using more accurate methods. Click here to learn more about Gov.br accounts.
When you log in to the platform, you will be able to check the debts that are available for renegotiation with a discount. This is when you select the debts in question and define the payment method.
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