Fraudulent page imitates official federal government channels and promises to ‘clear the name’ of users within five days
The Ministry of Finance issued a warning to Desenrola Brasil users about a fake website with the name of the New Desenrola Brazil is being used to scam consumers interested in renegotiating debts. According to the folder, the fraudulent page imitates official federal government channels and promises to “clear the name” of users within five days.
According to the ministry, the criminals request consultations with the Individual Taxpayer Registry (CPF) to verify supposed eligibility for the program and use a chat to collect personal and financial information from victims, including data on credit card debts and other debts. Subsequently, theScammers make debt renegotiation conditional on advance payment of fees, requesting transfers via Pix under justifications such as “administrative fee” and “electronic processing”.
The Ministry of Finance reinforced that the Novo Desenrola Brasil does not charge any amount to join the program and advised consumers to directly contact banks and financial institutions where they have debts to negotiate payment terms.
The official program allows interest reduction, discounts and renegotiation of outstanding debts.
Debt negotiation tool
In parallel with the alert to users, the Ministry of Finance launched an online calculator to simulate debt renegotiations through the Novo Desenrola Brasil program – Families. The tool allows people with an income of up to five minimum wages, equivalent to R$8,105, to consult estimated payment conditions before looking for a financial institution.
The simulator is now available on official website of the ministry and was developed to expand access to information and facilitate the financial organization of indebted consumers.
How it works
The calculator presents estimates based on the program’s rules, considering criteria such as:
- Debt delay time;
- Minimum discounts provided;
- Approximate value of the installments;
- Possibility of payment or renegotiation.
O The system also allows you to simulate the use of the Service Time Guarantee Fund (FGTS) in renegotiation. According to the rules of Novo Desenrola, the worker can use up to 20% of the available FGTS balance or up to R$1,000, whichever value prevails.
Who can participate in the new Desenrola?
Desenrola 2.0 allows consumers to renegotiate overdue debts with banks under more favorable conditions. Debts can be included in the program:
- Contracted until January 31, 2026;
- Delayed between 90 days and two years;
- Linked to credit cards, special checks and personal credit.
Renegotiations may include:
- Discounts between 30% and 90%;
- Maximum interest of 1.99% per month;
- Payment period of up to 48 months;
- First installment within 35 days;
- Limit of R$15,000 renegotiated per person at each bank.
- Discount varies depending on the type of debt and the length of delay.
- Use of FGTS
Novo Desenrola Brasil was divided into four modalities:
- Develops Families;
- Unroll Fies;
- Develops Companies;
- Develops Rural.
In relation to Fies, the conditions vary depending on the student’s profile and the length of time the debt is overdue. The government estimates that more than 1 million students will benefit from the renegotiation.
For debts overdue for more than 360 days:
- Students outside CadÚnico may receive a discount of up to 77%;
- Students registered with CadÚnico will be able to obtain a reduction of up to 99% of their debt.
- In some cases, it will be possible to pay in up to 150 installments.
