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National Consumer Secretariat promotes on-line campaign for renegotiation of debts

Action takes place during the 6th Financial Education Week between May 13 and 31

Across Brazil, between May 13 and 31, citizens can request the renegotiation of debts with financial institutions without leaving home, through the online platform Consumidor.gov.br. The action is part of the 6th National Week of Financial Education, promoted by the National Consumer Secretariat (Senacon), in partnership with companies in the sector. After the applicant joins the application on the platform, the bank or financial institution will have up to 10 days to respond. The debtor, in turn, will have up to 20 days to evaluate whether the care provided was satisfactory or not. During this time, the person may interact with the company, to attach documents, to ask questions or supplement their complaint, if necessary.

Responsible for the initiative, the National Committee on Financial Education (CONEF) and partners prepared a series of free actions to promote the National Financial Education Strategy (ENEF), such as lectures, courses, workshops, dynamics and theatrical presentation ( check the Official Agenda - programming ).

"In addition to representing a joint effort of the public and private sectors to offer better opportunities for renegotiation, the initiative has as one of its main objectives to sensitize consumers and entrepreneurs about the importance of financial education in preventing over-indebtedness and structuring a financial life healthy, "explains the National Consumer Secretary, Luciano Timm.

During the period, consumers seeking renegotiation through the platform will receive nominations for financial education courses. One of the outstanding options is the courses of the Financial Education Program for Consumers, consisting of 3 courses sequenced: Course 1 - Plan to realize dreams; Course 2 - Mastering Emotions and Creating New Habits and Course 3 - Financial Intelligence: Get Out of Suffer. Registration for the courses, offered free of charge by the National School of Consumer Protection, will be open from 7/5 and continue until 27/5. Approved students will receive an extension certificate from the University of Brasilia (UnB). Entries must be made through  https://defesadoconsumidor.gov.br/portal/acesse-sua-conta .

Online Renegotiation

To participate, the consumer must access the platform  www.consumidor.gov.br , register (if you do not already have a registration), select a participating financial institution and formalize your request for renegotiation of debts.

When completing your request, it is important to select in the " Problem" field  the option "Renegotiation / debt installment. In the field  "Description of Complaint" , when reporting your problem, the consumer must inform that he / she wishes to participate in the debt renegotiation action.

It is important to remember that Consumidor.gov.br acts as an alternative to the solution of the problem directly with the registered companies. However, the platform does not replace the service provided by the Consumer Protection Bodies, which remain available to guide and assist the consumer in their requests for renegotiation of debts.

Information on registration of user, registration and follow up of complaints can be obtained in the links "How it works?" And "Frequently asked questions".

Source: Ministry of Justice and Public Security