Find out how the government program can help you get out of debt and recover your financial health. Learn how Desenrola Brasil can help you renegotiate debts and clear your name. Discover the 10 reasons to participate in the program.

Introduction

Desenrola Brasil is a federal government initiative that aims to help Brazilian citizens renegotiate their debts and thus reduce the country's debt. The program offers opportunities for people with different income brackets and debt amounts, making it accessible to a broad portion of the population.

In this article, we will discuss 10 reasons why you should consider Desenrola Brasil as a solution to get out of debt and recover your financial health. We will simplify the process step by step and detail how to clear your name on Serasa through the program. Keep reading to find out how you can benefit from this government initiative.

1. What is Desenrola Brasil?

Desenrola Brasil is a Federal Government program whose main objective is to help Brazilians renegotiate their debts and, thus, reduce the country's debt. It offers different renegotiation ranges, making it accessible to a wide portion of the population. The program began operating in July 2023, and since then it has helped thousands of people clear their names and recover their credit.

2. Track 1 and Track 2

Desenrola Brasil is divided into two main bands: Band 1 and Band 2. Each band serves a specific group of people, based on income and debt amount. Let's detail each of these bands:

Track 1

• Income of up to 2 minimum wages (R$2,640).
• Negative debts of up to R$1,000,004.
• Registration in the Single Registry (CadÚnico).
• Average discount of 83% on debts.

Track 2

• Monthly income of up to R$1,400,000.
• Bank debts registered in defaulters' registers up to December 31, 2022.
• Partner with Serasa for debt negotiation.

3. Access to the Platform

To participate in Desenrola Brasil, you need to have access to the program's official platform, which can be found at unfold.gov.br. It is important to note that a Gov.br Portal account is required to access the platform. In addition, it is essential to have a Silver or Gold level account to benefit from the program.

4. How to Find Your Debt in Band 1

If you fall into Band 1 of the program and wish to renegotiate your debts, follow the steps below:

• Access the Federal Government platform at unfold.gov.br.
• Sign up for a Gov.br account or access your existing account.
• Check if your eligible debts are available on the platform.
• Choose the best payment option, which may include payment in cash or with a government guarantee through the Operations Guarantee Fund (FGO).
• Take advantage of special discounts offered by lending companies.

5. Deadline for Negotiation

One of the important features of Desenrola Brasil is the negotiation deadline. The Ministry of Finance ordinance stipulates that you have 20 days from the start of the program to negotiate your debts. After this period, the opportunity is made available to other people. Therefore, it is essential to act within the established deadline.

6. Easy Payment

The program offers payment options that can be tailored to your financial needs. You can choose to pay your debt in full or in up to 60 months, with interest of up to 1.99% per month. In addition, if your debt is not selected in the program's auction, you can still get the discount offered by the creditor when paying in full.

7. Certification on the Gov.br Portal

Certification on the Gov.br Portal plays a crucial role in accessing Desenrola Brasil. Around 42% of people already have a Gold or Silver certification and can join the platform immediately. However, 44% have a Bronze certification and will need to update it to access the program. Only 13% do not have a certification, which highlights the importance of obtaining the necessary certification.

8. Clear your name on Serasa

Participating in Desenrola Brasil is an effective way to clear your name with Serasa. The program allows you to renegotiate your debts and, upon fulfilling payment agreements, your situation with Serasa will be regularized. This is essential to recover your financial health and regain the trust of the credit market.

9. Partners and Discounts

Desenrola Brasil has the participation of several companies and financial institutions that offer significant discounts for debt renegotiation. These discounts can reach up to 83% of the original debt value. Therefore, by participating in the program, you will have the opportunity to take advantage of advantageous offers to pay off your debts.

10. The Importance of Clearing Your Name

Clearing your name is essential to regaining your financial stability. With a clean name, you will have an easier time obtaining credit, making purchases on credit and making investments. In addition, reducing debt contributes to the country's economic growth.

Conclusion

Desenrola Brasil is a valuable initiative by the Federal Government that offers numerous benefits to those who wish to get out of debt and clear their names. With renegotiation opportunities, payment facilities and attractive discounts, the program is a powerful tool for recovering your financial health.

Don't miss out on the 10 reasons presented in this article to participate in Desenrola Brasil. By acting within the established deadline and taking advantage of the offers from creditor companies, you will be on the right track to clearing your name, regaining your financial stability and building a more solid future. Don't miss this opportunity to get out of debt and follow a safer financial path.

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