2023-11-08 11:16:43
Desenrola Brasil is a federal government program that aims to help Brazilians overcome their debts and recover their financial health. Launched in June 2023, the program offers renegotiation opportunities for individuals whose name is negative with credit protection agencies, such as Serasa and SPC Brasil. With the participation of financial institutions and other companies, Desenrola Brasil seeks to facilitate debt payment and provide a new chance for those in debt.
How Desenrola Brasil Works
Desenrola Brasil is divided into two bands: Band 1 and Band 2. Each band has specific criteria for participation and debt renegotiation. Let’s better understand how each of them works.
Band 1: For those who receive up to two minimum wages
Track 1 of Desenrola Brasil is aimed at individuals who have a monthly income of up to two minimum wages or who are registered in the Single Registry for Social Programs of the Federal Government (CadÚnico). In this range, the debts that can be renegotiated are those that were negative between January 2019 and December 2022 and have amounts of up to R$5,000.00.
To participate in Track 1, it is necessary to access the Desenrola Brasil renegotiation platform, which is available on the program’s official website. It is important to highlight that registration on the gov.br platform with a gold or silver level is necessary to access renegotiations. If the debtor has a CPF with a bronze account or is not present on the gov.br platform, they will need to upgrade to a silver or gold account.
Within the platform, the debtor will be able to view all debts registered in the program and eligible for renegotiation. There are cash and installment payment options, and it is possible to select more than one debt to renegotiate at once. When opting for installments, the debtor will be able to choose the best payment terms, such as a lower monthly installment or shorter financing term. Furthermore, there is also the possibility of simulating new conditions, with a personalized number of installments, to send a proposal to the creditor.
Band 2: For those with income of up to R$20,000.00
Range 2 of Desenrola Brasil is aimed at individuals who have an income of up to R$20,000.00 and are registered in defaulter registers until December 2022. In this range, the debts that can be renegotiated are exclusively bank debts, and there are no a maximum value limit for trading.
To participate in Track 2, it is possible to access the digital channels of the program’s partner financial institutions, such as the bank’s website or app. Through these channels, debtors will be able to view the offers available for renegotiating their debts and choose the best payment option.
It is important to highlight that, for both Desenrola Brasil bands, payment of renegotiated debts can be made via automatic debit, bank slip or Pix, depending on the options made available by the financial institution. Furthermore, debts with the highest discounts may be paid in cash or financed with a guarantee from the Operations Guarantee Fund (FGO).
Benefits of Desenrola Brasil
Desenrola Brasil offers a series of benefits for participants who want to get out of debt and recover their financial life. Some of the main benefits are:
- Possibility of clearing your name and recovering credit in the market;
- Discounts and special conditions to pay off debts;
- Access to a government guarantee for debt renegotiation;
- Greater financial peace of mind and quality of life.
In addition, Desenrola Brasil has an educational platform called “Meu Bolso em Dia”, which offers free content and information to help participants organize and better plan their financial lives. This platform is an excellent opportunity to learn regarding financial education and acquire knowledge that can avoid future debt.
Conclusion
Desenrola Brasil is a federal government initiative that seeks to help Brazilians get out of debt and recover their financial health. With two distinct tracks, the program offers renegotiation opportunities for people with different incomes and types of debt. Participating in Desenrola Brasil can be the chance to clear your name, obtain discounts and special payment conditions, in addition to acquiring knowledge regarding financial education.
If you are in debt and looking for a solution to your debts, be sure to take advantage of this opportunity. Access the Desenrola Brasil platform, register and start your journey towards financial recovery. Remember to seek additional information and ask any questions you may have from the financial institutions that partner with the program. Don’t wait any longer, it’s time to unwind your debts and take back control of your financial life!
1699443513
#Desenrola #Brasil #Program #Debt #Recover #Financial #Life
