05/17/2024 – 6:55
After two extensions, the deadline to negotiate the payment of debts at a discount through the Desenrola Brasil program ends next Monday, the 20th. This deadline concerns negotiations in Track 1, which consists of negotiations made by the site from the program.
The federal government’s emergency program offers debt renegotiation for individuals in default. According to the Ministry of Finance, the average discount has been 83% of the amount due. And payments can be made in cash or in installments of up to 60 installments. According to the Ministry of Finance, around 15 million people have already benefited from the negotiation of more than R$51 billion in debt.
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Starting in October 2023, Track 1 of Desenrola Brasil covers individuals with an income of up to two minimum wages or registered with CadÚnico.
Defaulters can negotiate debts that were negative between January 2019 and December 2022 and are no more than R$20,000 in updated values. But there is no limit to the amount of debts: anyone who has more than one that fits these parameters can look for the program to negotiate them.
The program can be accessed through the websites and applications of Serasa Limpa Nome, Itaú Unibanco, Santander and Caixa Econômica Federal. With the integration of partner platforms with Desenrola, customers of partners who fall into Track 1 can see if there are offers and can be redirected to the program’s website, where it is possible to check debts and make payments, without the need for another Login.
What can be renegotiated
In addition to bank debts — such as credit cards — late bills from other sectors, such as educational establishments, energy, water, telephone and retail trade, are also included. The platform allows you to negotiate these debts in installments even with banks where the person does not have an account, being able to choose the one that offers the best rate in the installment payment option.
Another advantage for those who have two or more debts (even with different creditors) available for negotiation on the Desenrola platform is being able to combine all debts and carry out a single negotiation, paying in cash in a single bill or PIX, or financing in installments. , the total amount in the preferred bank.
To access Desenrola, directly through the program platform, you must have a GOV.BR account. Users of all account types — bronze, silver and gold — can view trading offers and even split payment. If the citizen chooses partner channels, there is no need to use the GOV.BR account.
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