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In Credit Card Debt, Strategy Presented by Lawyer Nathan Luiz Franz Shows How to Negotiate for Cash with Aggressive Discounts Without Relying on the Bank Agency.
The credit card debt is currently one of the biggest financial concerns for Brazilian families, especially when it reaches levels of R$ 40,000 to R$ 50,000. According to lawyer Nathan Luiz Franz, a specialist in banking law and fraud, thousands of consumers fail to seek legal alternatives and end up accepting renegotiations that multiply the amount owed.
The lawyer states that by signing a renegotiation at the bank, the consumer creates a “second contract,” which can be enforced through the courts in case of default, with very short deadlines and additional charges.
Therefore, he recommends another path: do not renegotiate, do not divide payments, do not pay the minimum of the bill, but instead accumulate about 20% of the amount spent to propose a full settlement through official channels such as Consumidor.gov.br, Central Bank, Serasa, and even directly with the bank itself.
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Why Avoid Renegotiating Credit Card Debt?
According to Nathan Luiz Franz, the credit card debt that is renegotiated becomes an enforceable title, meaning a document with a defined value that can be collected through the courts in as little as three days.
This places the consumer in a position of greater vulnerability.
In the original card contract, since there is no specific amount to be enforced, the process is slower and less advantageous for the bank.
Therefore, the lawyer’s recommendation is to avoid signing any new contracts and to resist pressure from agents to divide payments or pay only the minimum of the bill, practices that can lead to interest rates of up to 400% to 500% per year.
How Much to Save to Negotiate Credit Card Debt?
The method presented by Nathan Luiz Franz advises the debtor to stop paying temporarily and save about 20% of the total amount spent.
Thus, someone with R$ 50,000 in credit card debt should gather approximately R$ 10,000 before starting negotiations.
This saved amount should be presented as a full settlement proposal. The lawyer emphasizes that one should not accept installment proposals, but only a “settlement” agreement, which resolves the debt at once.
Where and How to Negotiate Credit Card Debt?
According to Nathan Luiz Franz, the path involves multiple official channels:
- Consumidor.gov.br: file a complaint requesting an update on interest rates and a settlement proposal.
- Central Bank: file a parallel complaint to pressure the institution and request documents.
- Serasa and bank branch: insist on settlement offers, but without accepting renegotiation.
The lawyer always recommends making a counteroffer. If the bank offers to settle R$ 50,000 for R$ 10,000, for example, the consumer can propose R$ 6,000.
If the bank accepts that offer, the debt is settled.
What Happens After Settlement?
Even after settling the credit card debt with a discount, the bank may file an internal record with the Central Bank, indicating the “loss” (for example: owed R$ 50,000, paid R$ 10,000 ⇒ loss of R$ 40,000). This record may hinder future credit operations.
To resolve this, Nathan Luiz Franz advises filing new complaints through the same channels (Consumidor.gov.br and Bacen) demanding the removal of the restriction.
If there is no solution, the lawyer states that it is possible to seek the courts, even requesting compensation for moral damages.
Is It Worth Following This Strategy?
For the lawyer, the answer is yes. The credit card debt can be reduced by up to 80% using official channels, without having to face abusive installment or renegotiation interest rates at the bank.
The risk of being negatively listed with Serasa exists, but it is reversible, and the internal restriction can be contested.
Nathan Luiz Franz emphasizes that the key is information and patience: save the amount, engage all negotiation channels, and do not accept proposals that are not for settlement.
The credit card debt is one of the most common traps in Brazil, but it can be overcome with strategy.
Nathan Luiz Franz’s method shows that instead of amplifying the problem with renegotiations, the consumer can settle their debt of up to R$ 50,000 by paying about 20% of the original amount, using only official tools.
And you, have you tried negotiating your credit card debt this way? Do you think banks should offer more transparency in proposals?
Leave your comment — your opinion can help others facing the same situation.
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