Novo Desenrola Brasil 2026: até 90% de desconto nas dívidas (última chance)

The new Desenrola Brasil program was officially launched today, May 4, 2026. The rules have been released and are more detailed than the government had anticipated. Discounts of up to 90%, interest limited to 1.99% per month, up to 48 months to pay, a limit of R$ 15,000 per debt per institution, and the use of FGTS (Brazilian employee severance fund) only for full settlement. And the Minister of Finance himself declared today: there will be no Desenrola 3.0. In this video, Alexandre Ferreira, a labor lawyer with over 15 years of experience, explains each official rule of the program, what you need to check before using your FGTS, how the age-related debt discounts work, who is actually eligible, and what to do now to avoid missing this 90-day window. What you'll find in this video: – The complete official rules of the New Desenrola Brasil program – Who is eligible: income, type of debt, and delay period – How the 30% to 90% discounts work in practice – The R$15,000 limit per debt that nobody is explaining – How to use your FGTS (Brazilian employee severance fund) and the three questions you need to answer beforehand – The bet lock and how it works in practice – How to register for the program through gov.br step by step Subscribe to the channel and activate the bell. The program is open for 90 days and the best conditions tend to appear in the first few days. 🔔 👉 Access the Prepared Worker Course and learn about all your rights: https://www.trabalhadorpreparado.com.br/ 📲 Follow me on Instagram for daily content:   / alexandreferreira_adv   Questions? Leave them in the comments.