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Last Monday, 7/24, the federal government revealed the beginning of the “Renegocia!” program, through the National Consumer Secretariat (Senacon).
That initiative aims to facilitate the settlement of outstanding debts with creditor companies. The program will be in effect until August 11, 2023.
The “Renegocia!” Desenrola succeeds, with the aim of facilitating the renegotiation of outstanding debts in the country.
The main distinction between them lies in the fact that the joint effort does not impose an income limit or maximum value for the debts that can be negotiated, see more news below!
“Renegocia!” joint effort: how will it work?
It is important to highlight that the amount of the debt and the consumer's income are not relevant to participate.
In this way, outstanding debts with telecommunications companies, energy suppliers, banking institutions and other creditors can be renegotiated.
However, it is worth mentioning that debts relating to alimony, rural credit and real estate will not be included in this program.
The Desenrola Program, created by the Ministry of Finance, and Renegocia!, linked to the Ministry of Justice (under the coordination of Senacon), are complementary initiatives.
Recently, President Lula signed a decree to strengthen consumer protection, and this is what Procons will implement now.
The objective of this joint effort is to help consumers with debts in general, not just bank debts, but also covering debts in stores, water and electricity.
The goal is to ensure that people can reestablish credit and, thus, have better conditions to make their payments, said Flávio Dino, Minister of Justice and Public Security.
How to renegotiate debts?
People interested in renegotiate your debts They must seek in-person assistance at consumer protection institutions across the country, such as Procons, Public Defender's Offices, Public Prosecutor's Offices and associations.
At the chosen location, the consumer must provide their personal documents and debt contracts.
It is also possible to present other documents that prove the debt, such as invoices, for example.
Furthermore, there is the option of carrying out the renegotiation procedure online, using the following email address.
Debtors will be able to renegotiate between July 24th and August 11th, 2023.
To participate in the “Renegocia!” via the internet, you will need:
1. Access the indicated platform using your silver or gold GOV.BR account;
2. Locate the debt you want to negotiate;
3. Select the “Problem” option and then “Debt renegotiation/installment”;
4. In the “Complaint Description” field, confirm the intention to participate in the renegotiation action;
5. Then, the creditor company will present a proposal and the negotiation will continue through the digital system.
Desenrola Brasil Project: find out the details
Last week, the program began with the exemption of bank debts of up to R$ 100, in addition to offering the opportunity for renegotiation for those in band 2.
To guarantee the security of renegotiation, the National Treasury offers guarantees to companies in case of default by debtors.
The program covers two groups that will benefit, check them out:
Group 1: includes people with a gross income of up to two minimum wages per month, or those registered in the federal government's Single Registry.
In this case, the debtor can renegotiate debts of up to R$ 5,000.00 in up to 60 installments, with a minimum value of R$ 50 per month.
Group 2: is now available to citizens. It covers individuals with incomes between two minimum wages (R$ 2,640) and R$ 20 thousand per month.
Financial institutions can offer the possibility of renegotiation to their customers through the operating platform or through their own service channels.
With the renegotiations of the Desenrola project, the Ministry of Economy expects to benefit 1.5 million people, who will be free from restrictions and have access to credit again.
