Desenrola Brasil
In short
Desenrola Brasil is a Brazilian government programme designed to help citizens renegotiate unpaid debts through significant discounts. The current third phase, known as Desenrola 3.0, is currently inviting banks to present overdue credit portfolios for renegotiation.
In plain words
The programme helps people who owe money for credit cards or personal loans. The government works with banks to offer massive discounts, sometimes up to 90 per cent. This makes it easier for people to pay off what they owe and clear their names.
A simple example
A person owing 1,000 reais on a credit card might use the programme to settle the debt for only 100 reais. This allows them to clear their debt quickly without paying the full original amount.
Why it matters
It helps reduce household debt and encourages people to return to the formal economy. By clearing debts, citizens can regain access to credit and financial services.
Easy to mix up
Do not confuse this government debt relief programme with private debt consolidation services offered by commercial banks.
Sources
- AGU pede colaboração a big techs para evitar fraudes contra o Novo Desenrola
- Desenrola 3.0: quem poderá renegociar dívidas com descontos? Entenda as regras
- Desenrola 3.0: portaria convoca bancos para 3ª fase do programa
- Portaria convoca instituições financeiras para 3ª fase do Desenrola