Desenrola begins renegotiating debts of up to R$20,000 on Monday (20)

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On Wednesday (22), the government will carry out a renegotiation effort. Banks will open extended hours. Debts auctioned within Desenrola can be paid in up to 60 installments. Energisa The Desenrola Brasil Program begins, this Monday (20), to offer installment payments for debts of up to R$20,000. Negative debts are included between 2019 and December 31, 2022. Bank and non-bank debts can be renegotiated — such as electricity, water, credit card, retail, education bills, among others. Discounts on debts can reach up to 99%. According to the program rules, installments can be made in up to 60 months, with interest of up to 1.99% per month. According to the Ministry of Finance, since the beginning of the program, around 2.7 million Brazilians have been served, generating more than R$20 billion in renegotiated debts. Mutirão On Wednesday (22), the Ministry of Finance will promote “D-Day – Mutirão Desenrola” where people in Track 2 will be able to take their debts to renegotiate. In an agreement made with the Ministry, the banks defined that they will extend branch opening hours so that more people can join the program. READ ALSO: See questions and answers about the debt renegotiation program See what consumers need to do to renegotiate their debts See step-by-step instructions on how to renegotiate their debts How to access the platform? To access the Desenrola Brasil platform, the consumer will need to have a gov.br registration with silver or gold certification levels, in addition to having updated registration data. The process, according to the Ministry of Finance, is a security measure. The gov.br account is an identification that proves the citizen’s identity digitally. With it, it is possible to identify yourself safely when accessing digital services offered by the government, such as the Digital CNH, the Income Tax Declaration and SUS services, the e-Social Portal and Enem, for example. The account is free and available to all Brazilians. Registration is done directly on the federal government portal. Follow the steps to create an account on gov.br: Access the government website; Select the option “enter with gov.br” Enter your CPF and click “continue”; Read, accept the terms and click “Continue”; Choose one of the banks to create the account or click “Try another way”, If you do not have a bank account or do not want to use it; Fill out the form with your details, which can be validated at the Federal Revenue Office or the INSS. Registration can also be carried out at an INSS Agency or at Senatran stations. This form, however, only allows the Bronze level (see below how to increase the gov.br account level); The platform will send a code, which can be received via email or cell phone. Enter it in the indicated location; Create a password that meets the required criteria; With this, it is now possible to log in with the gov.br account to other services. Furthermore, it is worth highlighting that registration with gov.br has three levels of security and access: bronze, silver and gold. When created via the INSS or Federal Revenue online form, for example, the account usually starts at the bronze level, which gives partial access to government digital services and whose level of security is considered basic. According to the Ministry of Finance, to move up to the silver level, citizens must: Validate facial biometrics using the photo verification application on the Driving License (CNH) bases; Validate personal data via internet banking or log in through an accredited bank (see below). It is worth remembering that the debtor must have the telephone number registered with their bank to receive the SMS to confirm access; Validate data with SIGEPE username and password, if the citizen is a federal public servant. The banks registered on gov.br are: Banco do Brasil, Banrisul, Bradesco, BRB – Banco de Brasília, Caixa Econômica Federal, Sicoob, Santander, Itaú Unibanco, Agibank, Sicredi and Banco Mercantil do Brasil. To obtain the gold level, citizens must: Validate facial recognition using the application to check their photo at the Electoral Court (TSE) databases; validate data using the QR Code on your National Identity Card or with a Digital Certificate compatible with ICP-Brasil.

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