Development: Caixa and BB open an hour earlier this Wednesday to renegotiate debts; see how to participate

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The federal government program covers bank and non-bank debts — such as electricity, water, credit card, retail, education bills, among others. Discounts can reach up to 99%. Caixa and Banco do Brasil open an hour earlier for debt renegotiation. Marcelo Camargo/Agência Brasil | Disclosure Caixa Econômica Federal and Banco do Brasil (BB) branches will open an hour earlier this Wednesday (22) for assistance regarding Desenrola Brasil, the federal government’s program for debt renegotiation. The action is part of Desenrola’s “D-Day”, promoted by the Ministry of Finance. Private banks such as Itaú, Bradesco and Santander informed that they will not change the opening hours of their branches (see below). Last Monday (20), Desenrola began offering installment payments for debts of up to R$20,000. The program covers negative debts 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. Debt discounts 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. See questions and answers about Desenrola Find out what the consumer needs to do to renegotiate See the step-by-step guide on how to renegotiate your debts Caixa Econômica Federal Caixa informed that all its branches in the country will open an hour earlier this Wednesday. The advance will be according to the timetable already in each region. In other words, if in a given city the agencies start operating at 10am, they will start at 9am. If the usual time is 11am, the opening will be at 10am. And so on. According to the institution, 273,550 outstanding contracts from 215,216 customers have already been regularized through Desenrola. The total value negotiated reached R$5 billion. The bank announced that, in addition to Desenrola, it will provide services this Wednesday for: negotiation of FIES (Student Financing Fund) debts; and settlement of Minha Casa, Minha Vida contracts for those who receive the Continuous Payment Benefit (BPC) or Bolsa Família. Banco do Brasil BB branches will also open an hour earlier this Wednesday. The bank informed that there will be more than four thousand points with extended opening hours to serve the Desenrola public. According to the institution, 2.5 million customers with debts between R$5,000 and R$20,000 are eligible for installment payments. Itaú Unibanco Itaú stated that it will maintain its digital channels with 24-hour service. Physical branches, however, will operate during “regular operating hours”. The bank said it will promote renegotiations with customers in Desenrola’s band 2 (people with income of up to R$20,000) through its service channels. For customers who fall into bracket 1 (gross monthly income of up to R$2,640 or registered with CadÚnico), the procedure will be carried out through the official Desenrola platform. “Additionally, the bank also has a service and support cell exclusively dedicated to customers of the Desenrola program”, informed the institution. Understand what bands 1 and 2 of Desenrola Santander are. Santander informed that it will not change its opening hours this Wednesday, as “it already works with extended hours at branches, from 9am to 6pm”. According to the bank, offers with and without down payment will be available, in addition to flexible rates, discounts of up to 90% and installment payments in up to 120 installments for individuals, through its service channels and website. Bradesco Bradesco also informed that service at its physical units will be provided at regular hours. According to the institution, customers will be able to renegotiate debts covered by Desenrola through the gov.br platform and through the bank’s digital channels. How can I access the Desenrola platform? To access, the consumer must 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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