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Serasa Survey Shows Progress in Debt Regularization Within 60 Days, Highlighting Banks, Cards, and Essential Services, Along with Strong Recovery in the South of the Country.
Brazilian consumers are taking advantage of renegotiation conditions to settle their debts.
Serasa Experian’s survey indicates that, among the debts included in the delinquency database in May, 61.5% were regularized within 60 days.
The Credit Recovery Indicator also recorded a 11.4% increase in payments compared to the same period in 2022, signaling progress in the ability to settle in the short term.
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According to the company, the indicator measures, month by month, the portion of debts that enter the system as delinquent and are paid within the 60-day window.
This measure is the most commonly used reference in debt collection solutions and portfolio monitoring, although it may vary according to each creditor’s policy.
Amid this movement, Serasa’s assessment is that renegotiation campaigns have expanded access to agreements with discounts and installments.
“Renegotiation programs have become a great opportunity for indebted Brazilians, making it possible to settle debts and helping to recover financial health,” says Serasa Experian economist, Luiz Rabi.
This finding reinforces the idea that when there is an offer of more predictable conditions and feasible deadlines, the return to payment occurs more quickly.
Most Settled Debts: Banks, Cards, and Essential Services
An analysis by creditor type shows that debts with banks and cards were the most settled during the period.
Next came utilities, a group that includes essential service bills such as water and electricity.
This prioritization often reflects the preservation of indispensable services for daily life, in addition to the weight that credit operations and cards have on the monthly budget.
Another breakdown shows behavior by value ranges.
Among the delinquents who managed to regularize within 60 days, accounts over R$ 10,000 were the most recovered.
This data suggests that when appropriate renegotiation conditions are available, a significant portion of consumers chooses to resolve higher-ticket commitments, reducing legal and financial risks.
The South Leads Renegotiation Within 60 Days
The performance was not uniform across the country. In the ranking by regions, the South recorded the highest percentage of debts regularized within 60 days at 66.1%.
Following were the Northeast (64.1%), Southeast (60.3%), Central-West (59.8%), and Northern (53.9%) regions.
The difference in levels highlights how income, labor formalization, and regional credit structures influence the speed of recovery.
Although the Southeast accounts for most economic activity, the South stood out proportionally.
Meanwhile, the North had the lowest rate during the analyzed period, which may reflect greater vulnerability to income shocks and lower penetration of credit instruments with standardized renegotiation.
How the Recovery Indicator Works
The Serasa Experian Credit Recovery Indicator considers, for each month, the volume of debts that enter the delinquency system and are settled within 60 days of being reported.
It is, therefore, a flow monitoring, not a stock measure.
The goal is to assess the speed with which recent delays are resolved, not the total amount of old debts that remain open.
For this reason, stronger results in a given month do not necessarily mean an immediate drop in the total number of delinquents.
The dynamics of the stock depend on additional variables, such as new inclusions, renegotiations with terms longer than 60 days, and agreements that involve installment payments whose effects appear gradually.
Why the 60-Day Deadline Is a Reference
The choice of 60 days as a standard window arises from widely adopted collection practices.
Many creditors structure their contacts and offers within this timeframe, seeking to quickly restore cash flow and reduce recovery costs.
Still, the actual time to settle may vary according to negotiation, the consumer’s payment capacity, and each institution’s policy.
This common measure also facilitates historical comparisons between periods, allowing for observation of advances or setbacks in payment willingness in response to changes in credit, income, and indebtedness conditions.
Digital Platforms and Access to Limpa Nome
Serasa maintains digital channels for consulting and proposing agreements. The Serasa Limpa Nome allows users to check debts, simulate conditions, and accept offers without needing to travel.
Access is done online, by registering the consumer. The guidance is to check the information, evaluate the budget, and prioritize agreements with installments that fit within the monthly income to reduce the risk of new delays.
In addition to the platform, periodic renegotiation campaigns often gather different creditors with discounts and varied deadlines.
When there is a coordinated offer, the recovery rate tends to respond, as suggested by the progress observed in May.
Impact on Consumers and the Credit Market
For consumers, improved short-term recovery indicates that there are more accessible negotiation conditions and that, in many cases, creditors are willing to adjust deadlines and discounts.
For the market, the numbers serve as a thermometer of families’ payment capacity and the efficiency of collection strategies, relevant elements for calibrating risk and credit offer.
While the study highlights the strength of banks, cards, and utilities in restoring payments, the scenario reinforces the importance of financial planning and transparent offers.
By reducing installments and responsibly extending deadlines, the chance of returning to compliance increases without compromising the basic budget.
Outlook for the Coming Months
The continuation of this trend will depend on income levels, employment, and the maintenance of large-scale renegotiation programs.
If favorable conditions persist, the trend is that the indicator will maintain high recovery levels in the first 60 days following delinquency.
Conversely, fluctuations in income and credit may prolong the time needed to normalize accounts.
While the May figures suggest a positive picture of rapid recovery, the trajectory throughout the year will confirm whether the momentum is temporary or structural.
On an individual level, the recommendation is to monitor the budget, prioritize essential expenses, and consider agreements that offer predictability.
How do you evaluate the main factor that encourages renegotiation today: debt discount, longer terms, or reconnection of essential services upon settlement?
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