According to the union, R$13.2 billion was negotiated exclusively through the second track – which focuses on settling the debts of individuals with negative debts until December 31, 2022 and income up to R$20,000.
In total, about 1.46 million customers benefited. Membership in the program continues until December 31 of this year.
The “Desenrola Brasil” program is an election promise of President Luiz Inacio Lula da Silva (Workers’ Party). It was created to promote the collective effort to renegotiate individuals’ debts. The central idea is to remove people from the negative list and restore the consumer capacity of the population.
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Also according to the federation, financial institutions have liquidated the names of about 6 million customers with bank debts of up to R$100 – in exchange for the banks’ participation in the program.
This means that if the debtor has no other outstanding debts, he or she has a “clear name” in credit protection systems.
However, it is worth remembering that denial does not mean forgiveness. The debt will continue to exist, but banks pledge not to include debtors in the negative register.
In a note, Febraban President, Isaac Sidney, highlights that “the banks were directly involved in the conception and development of the Desenrola program from the beginning and the program plays an essential role in this delicate moment that Brazilian families are experiencing, by seeking to reduce the debts of as many the people”.
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