The year began with 70 million Brazilians in default.
According to data released by Serasa, the number broke a record this Monday (27).
The rate is the highest level of default ever recorded by the institution.
At the beginning of the pandemic, there were 60 million.
Also, according to the information, each CPF has three debts on average, resulting in a net debt of R$323 billion.
The curve of indebtedness began to rise in September 2021, and the reason given is the high inflation, which erodes the worker’s income, added to the rise in interest rates.
The largest debts are with banks and financial institutions.
RENEGOTIATING DEBTS
Banks nationwide are starting on March 1st a task force for renegotiating clients’ debts.
The action is promoted by the Brazilian Federation of Banks (Febraban) in partnership with the Central Bank, the National Consumer Secretariat, and Procon.
It will be possible to renegotiate overdue debts directly with the banks, on their internet channels, telephone, and branches, or through the government portal (consumidor.gov.br).
The action will last until March 31.
The negotiation lists credit card debts, overdrafts, consigned credit, and other credit modalities, except those with guaranteed assets (vehicles, motorcycles, and real estate).
The conditions, such as the number of installments, discount percentages, and whether or not there is a fine penalty waiver, vary according to each institution and will be negotiated directly with the customer.
The last edition of the Mutirão took place in November 2022.
According to Febraban, 2.3 million contracts were renegotiated.
The action occurs twice a year, in March and November.
With information from Revista Oeste