Individuals who have debts with financial institutions can settle the debts until March 31 in the National Task Force for Debt Negotiation and Financial Guidance, in this site . The system counts on the adhesion of more than 160 financial institutions.
On the website, people find the link to the Central Bank system and can access the Loan and Financing Report (SCR) with the list of debts in financial institutions.
Individuals with debts that do not have assets pledged as collateral will be served. The consumer can negotiate with the creditor institution within the platform Consumer.Gov.Br or directly with the banks’ digital trading channels. The financial institution has 10 days to review the request and submit a proposal.
The initiative, by the Brazilian Federation of Banks (Febraban) in partnership with the Central Bank of Brazil, the National Consumer Secretary (Senacon) and the Procons throughout the country, allows the debtor to know and pay off his debts in arrears, in addition to content on financial education.
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“During the pandemic, banks were proactive and voluntarily renegotiated more than BRL 19 million in bank loan contracts, renegotiating BRL 1.1 trillion in debt balances and suspending BRL 150 billion in installments, which brought immediate financial relief to thousands of customers. The national task force is a joint action that not only contributes to rebalancing the budget of families, but mainly promotes financial education, which is essential for consumers to be able to avoid risk indebtedness, have more information about banking products and services and improve their financial health”, said Isaac Sidney, president of Febraban.
“Preparing for negotiation is a great time for consumers to analyze their financial situation. It is essential for consumers to know their debts, assess whether their participation in the collective effort is appropriate and also identify the maximum monthly amount they can pay in the agreement. Our expectation is that the task force generates effective agreements for the citizen, reducing the risk of recurrence of the problem”, added Maurício Moura, director of Relationship, Citizenship and Supervision of Conduct at the Central Bank.
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