How does Desenrola Brasil work? 

Desenrola Brasil is a Federal Government program that aims to facilitate the renegotiation of debts of individuals whose name is negative in credit protection services. 

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It aims to recover debtors' credit conditions, stimulate financial education and encourage the resumption of consumption and economic activity in the country.

Advantages and importance of the program

Before finding out in short how Desenrola Brasil works, It is very important to know some of the advantages it offers and its importance in the Brazilian economic and social scenario. 

The program offers several advantages to debtors, such as?

• Discounts that can reach up to 90% of the debt value;
• Installments in up to 60 months with reduced interest;
• Completely online trading, without bureaucracy or intermediaries;
• Financial education through a free course and tips for organizing and planning your financial life.

The program is also important for creditors, who can recover part of defaulted loans, reduce operational costs and improve customer relations.

Furthermore, Desenrola Brasil has a positive impact on the country's economy, as it helps reduce the debt of Brazilian families, which reached a historic record in 2022.

Furthermore, it stimulates consumption and demand for goods and services, generating income and employment.

This program also expands the supply of credit, encourages productive investment and contributes to improving tax collection and fiscal balance.

Desenrola Brasil is, therefore, a program that benefits everyone involved: debtors, creditors and society. 

It represents a unique opportunity to settle debts, recover credit and regain control of your financial life. 

How does Desenrola Brasil work?

The Desenrola Brasil program is a Federal Government initiative that aims to facilitate the renegotiation of debts of individuals whose name is negative in credit protection services, such as Serasa and SPC Brasil. 

As we have already mentioned, it aims to recover debtors' credit conditions, stimulate financial education and encourage the resumption of consumption and economic activity in the country. 

Follow below some important steps that are part of its operation.

1. The renegotiation process

The program works through a digital platform, accessible with the account gov.br.

It allows the debtor to consult the debts that can be negotiated in the program, the discount offered by the creditor and the status of each of them. 

The platform also offers a free financial education course and tips for organizing and planning your financial life.

The debtor can choose the debts they want to pay off and select the payment method, which can be in a lump sum or in installments over up to 60 months.

After confirming the negotiation, the debtor receives a bill to pay the first installment or the full amount, as applicable.

In a few days, the renegotiated debts are removed from credit protection services, allowing the debtor to once again have access to credit in the market.

2. The reverse auction

The program uses an innovative mechanism called reverse auction, which consists of a dispute between creditors to offer the biggest discounts to debtors. 

The reverse auction takes place in two stages:

• In the first stage, creditors register debts eligible for the program and inform the minimum acceptable amount for each of them.
• In the second stage, creditors can view competitors' offers and reduce their minimum acceptable values to increase their chances of closing negotiations with debtors.

This action is advantageous for creditors, as they can recover part of defaulted credits, reduce operational costs and improve relationships with customers. 

Furthermore, the reverse auction is advantageous for debtors, as they can obtain discounts that can reach up to 90% of the debt value. 

The Desenrola Brasil program is, therefore, a program that benefits everyone involved: debtors, creditors and society. 

It represents a unique opportunity to settle debts, recover credit and regain control of your financial life.

Now that you've discovered how Desenrola Brasil works, don't want to find out Who is entitled and how to participate?