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The government will launch the new phase of Desenrola on Monday with renegotiation of credit card, overdraft, revolving credit, and personal loan debts, offering discounts from 30% to 90% and maximum interest rates of 1.99%, but those who join will be blocked for one year from online betting platforms, Lula announced on Labor Day.
The new Desenrola arrives at a time when more than half of Brazilians are delinquent, according to Serasa’s Delinquency Map for March. The government waited until the eve of Labor Day to officially announce the second stage of the renegotiation program, which allows millions of indebted individuals to negotiate credit card, overdraft, revolving credit, personal loan, and even FGTS debts with discounts ranging from 30% to 90% on the total amount and interest rates limited to 1.99% per month, conditions that make Desenrola the most accessible entry point for those who want to get off the list of defaulters. In Santa Catarina, the scenario reinforces the urgency: 40.46% of residents have a bad credit record, and almost 23% of debts are with banks, 18.77% with cards, 13.62% with services, and 11.86% with retail.
The novelty that differentiates this Desenrola from the previous version is the requirement that participants give up online betting. President Lula announced that those who adhere to the new phase of the program will be blocked for one year from all betting platforms, a condition that links the benefit of debt renegotiation to the commitment not to spend money on digital gambling, which, according to specialists, is one of the causes of the growing indebtedness of the Brazilian population. For economists, the measure is necessary but insufficient if it is not accompanied by financial education that helps families understand how they reached the situation of delinquency.
What the new Desenrola offers for those in debt
The conditions of the new phase of Desenrola are more aggressive than those of the program’s first edition. Discounts of 30% to 90% on the debt amount mean that a R$10,000 debt can be negotiated for a value between R$1,000 and R$7,000 depending on the creditor and the debtor’s profile, and the maximum interest rate of 1.99% per month replaces rates that, in credit card revolving credit, exceed 400% per year. For those trapped in a cycle of compound interest that causes debt to double every few months, Desenrola offers an opportunity to convert the debt into installments that fit the budget.
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The debt modalities covered by Desenrola encompass the main areas of indebtedness for Brazilian families. Credit card, overdraft, revolving credit, personal loans, and even FGTS obligations can be renegotiated within the program, a coverage that reaches practically all categories of bank debt that most afflict consumers. The possibility of using one’s own FGTS to settle debts is an option that economists consider valid as long as the worker does not compromise a reserve that may be necessary in case of dismissal, a balance that requires individual analysis of each debtor’s situation.
Why Desenrola requires online betting blocking for participants
The link between debt renegotiation and the prohibition of online betting is a measure that officially recognizes the relationship between digital gambling and indebtedness. The government assesses that some Brazilians who need Desenrola to clear their name reached delinquency due to spending on betting platforms that have proliferated in recent years, and that offering a 90% discount on debt without preventing the beneficiary from betting again with the saved money would be treating the symptom without addressing the cause. The one-year block is a period that the federal administration considers sufficient for the participant to reorganize their financial life without the temptation of gambling.
For economists, the measure needs to be accompanied by broader support. “It’s no use just stemming the problem and not addressing its causes, which also means providing subsidies so that these families can educate themselves financially and also subsidies so that they can have a plan regarding their career, their work,” evaluates an expert consulted about the new Desenrola. The betting block is a tool that acts as an emergency brake, but without financial education that teaches the indebted person to manage their resources, the risk of recidivism after the one-year period is real and significant.
The scale of indebtedness that Desenrola needs to confront
The numbers the program faces are alarming. More than 50% of Brazilians are delinquent according to Serasa’s Delinquency Map for March, a proportion that means more than half of the country’s adult population has overdue debts that restrict access to credit, prevent the hiring of services, and compromise quality of life. Desenrola aims to reverse a significant portion of this statistic by facilitating agreements that allow indebted individuals to regain access to the formal financial system.
In Santa Catarina, a state with a per capita income above the national average, indebtedness is also surprising. The 40.46% of delinquent residents demonstrate that delinquency is not exclusive to lower-income regions, and the distribution of debts reveals that banks (23%), cards (18.77%), services (13.62%), and retail (11.86%) contribute to a scenario where almost half of the Santa Catarina population needs programs like Desenrola to regularize their financial situation. The new phase of the program arrives as an opportunity that may not be repeated with the same conditions, and those in debt need to carefully evaluate adherence.
How to evaluate if it’s worth joining Desenrola
The decision to enter the program must consider both the benefits and the imposed conditions. Discounts of up to 90% and interest rates of 1.99% are concrete advantages that no individual renegotiation with the bank would offer, and for those with high-value debts accumulating compound interest, Desenrola can mean the difference between paying R$50,000 for a debt that was originally R$10,000 or settling it for R$5,000 with accessible conditions. The math favors adherence in most cases where the indebted person has a minimum payment capacity.
The one-year online betting block is a condition that will be irrelevant for some and the real test for others. Those who do not bet on digital platforms accept the requirement without impact, but those who have developed a gambling habit that contributed to indebtedness will face a period of forced abstinence that can be as challenging as the financial reorganization itself. Desenrola forces the participant to make a choice that should be obvious but for millions of Brazilians trapped in the cycle of betting and debt, it is not: deciding between continuing to gamble and continuing to owe, or stopping betting and starting clean.
And you, do you intend to join the new Desenrola? Do you think the requirement to block online betting is fair? Leave your opinion in the comments.
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