Provisional Measure n. 1,176/2023, which establishes the program Unwind Brazil, entered into force immediately after its publication in the Official Gazette (DOU) last Tuesday, 6. However, to become a permanent law, it will be necessary for the National Congress to vote and approve it within a maximum period of 90 days.
The purpose of Desenrola Brasil is to bring together debtors and creditors to facilitate the renegotiation of debts and end situations of default. Let's say that the program is even similar to the Feirão promoted by Serasa.
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For example, the system aims to offer flexible payment options for defaulters or people with a “dirty name”, who can choose to settle their debts in cash or pay them in up to 60 months, with benefits such as discounts and reduced interest rates.
To obtain the resources needed to pay off debts, program participants have the option of applying for a loan from a financial institution. This loan can be guaranteed by the Operations Guarantee Fund (FGO), a federal government initiative that assists in accessing credit.
How will Desenrola Brasil work?
According to the proposal, the program will have two ranges: the first will benefit people who have an income of up to two minimum wages or that are registered in the Single Registry and that have been negative until December 31 of the year past. These people will be able to settle their debts of up to R$ 5 thousand.
The second range will be aimed at people with bank debts, financial institutions will be able to directly offer their customers the opportunity to renegotiate debts. In this context, it is important to emphasize that the renegotiation operations within the scope of the Desenrola Brasil program will not be guaranteed by the FGO.
According to Fernando Haddad, Minister of Finance, the program will be like a kind of auction for creditor institutions. Through this process, creditors who present the greatest discounts on their debts will be chosen to join the program.
These creditors will be able to present their debts at a discount for renegotiation with individuals, with the guarantee that their debts will be settled.
On the other hand, those creditors that offer smaller discounts will be excluded from the program. Therefore, it is possible that debtors do not find all their debts eligible for renegotiation within the scope of Desenrola Brasil.
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