First Debt Renegotiation Round of 2025 Begins on March 1st

Written by Fabio Lucas Carvalho

Published on 26/02/2025 at 15:00

FOTO: AB

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Debt Renegotiation Drive 2025 Begins on March 1, Offering Opportunities for Consumers to Settle Debts with Discounts and Easier Terms.

The Negotiation and Financial Guidance Drive of the banks begins on March 1. The action, which involves more than 160 financial institutions and partner entities, will run until March 31. During this period, consumers will be able to renegotiate various bank debts, with special conditions and facilitated service.

According to the Brazilian Federation of Banks (Febraban), it will be possible to renegotiate debts such as credit card, overdraft, and payroll loans. The debts must be overdue and cannot have assets given as collateral or be time-barred.

The drive is part of the fixed calendar of banks, held annually in March and November since 2019. Since then, 33 million contracts have been renegotiated.

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In the last edition, in November 2024, 1,750,038 contracts were restructured, providing financial relief for many consumers.

Negotiations can be conducted remotely. Consumers can deal directly with the creditor financial institution using the official channels of the banks or the consumidor.gov.br portal. Those who prefer can seek in-person assistance at the Procons participating in the action.

The complete list of financial institutions that have joined the drive is available on the official event page online.

According to Febraban, banks offer special conditions to facilitate debt repayment. Options include installment payments, discounts on the total amount, and reduced interest rates for refinancing. Each bank determines the terms based on its credit policy.

Check Your Pending Issues Before Negotiating

For those who wish to check their debts before renegotiating, the Registrato system from the Central Bank can be a useful tool. It provides access to the Loans and Financing Report (SCR), which details the debts in the consumer’s name.

The drive is a joint action of Febraban, the Central Bank of Brazil, the National Consumer Secretariat (Senacon), and Procons. The initiative aims to offer real opportunities for Brazilians to organize their financial lives and get out of debt.

The last relevant information is that the drive has become a national reference in debt renegotiation, establishing itself as an essential resource for consumers’ financial recovery.

Detailed information about the Drive, including step-by-step instructions for negotiations and the complete list of participating entities, is available on the Drive page on the Meu Bolso em Dia portal of Febraban.

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First Debt Renegotiation Round of 2025 Begins on March 1st

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Check Your Pending Issues Before Negotiating

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First Debt Renegotiation Round of 2025 Begins on March 1st

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The German economist Wolf-Peter Schill has no doubts: “Electric cars are already far superior to cars with internal combustion engines.”

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