Understand how Desenrola 3.0 will work
New stage of the program will allow the Union to acquire portfolios of debts from individuals to renegotiate them under more favorable conditions

TL;DR
- Desenrola Brasil 3.0 is a new phase of the federal debt renegotiation program.
- The Union will now directly purchase portfolios of defaulted debts from individuals.
- The program focuses on debts in default for approximately two to four and a half years.
- The government will use discounts from debt purchases to offer more favorable renegotiation terms.
- This aims to help individuals recover financial capacity and improve access to credit.
- The previous versions of Desenrola Brasil focused on facilitating negotiations between creditors and debtors.