Furthermore, it is possible to pay the debt in up to 60 installments; know how
Desenrola Brasil was created by the Federal Government so that Brazilian citizens in default can renegotiate their debts with special conditions. In this sense, it is possible to reduce the pending value by up to 96%, standing out as an alternative for people with income equal to or less than two minimum wages (R$ 2,824, in 2024) registered in the Single Registry for Social Programs of the Federal Government (CadÚnico).
As we can see, debt renegotiation through the program is very accessible. Therefore, those who meet the requirements can enjoy great discounts, as well as the option to pay in installments over up to 60 months. Furthermore, the debtor’s name is removed from credit protection bodies when joining Desenrola Brasil, allowing a new financial start in the black. Below, see who can participate in the initiative:
- 1. Gross monthly income of up to two minimum wages;
- 2. Be duly registered in CadÚnico;
- 3. Debts of up to R$20 thousand in arrears between January 2019 and December 2022.
Students can also participate
In fact, it is worth highlighting that Desenrola Brasil covers a vast list of commitments that can be negotiated. This includes everything from public service debts to educational charges, such as those related to the Student Financing Fund (Fies). In this case, the program offers even more advantageous conditions.
For those who have debts linked to FIES, the rebates are very attractive, with the possibility of a discount of up to 99% on the amount owed, in addition to the complete elimination of interest, with easy negotiation until the end of May this year.
How can I benefit from Desenrola Brasil?
Citizens who wish to renegotiate their pending issues can access the program through various channels, such as the official website, the Serasa Experian platform or, if they prefer, in person at one of the Post Office branches. Regardless of the method chosen, just make a consultation and choose the best option to pay off the debt. That said, below, see how to make the most of the government initiative:
- 1. Check eligibility according to Desenrola Brasil requirements;
- 2. Access one of the available service channels;
- 3. Negotiate the debt taking advantage of the discounts and conditions offered.
It is worth noting that the Federal Government extended Desenrola Brasil for the second time, but only for those who meet the criteria mentioned above. This is because, by March of this year, 14 million people had cleared their names through the program — the Brazilian authorities’ expectation was that just over 60 million defaulters would settle their debts.
That said, it is worth noting that debtors can enjoy the special conditions until May 20th. According to the Ministry of Finance, the department responsible for the program, the group served is mainly made up of women (67.3%) aged between 25 and 44 years old.
In general, the program is a great initiative for those who want to alleviate the burden of debt and balance their finances. With several benefits and easy accessibility, Desenrola Brasil is an unmissable chance for many Brazilian debtors to reorganize their economic lives in an efficient and practical way.
