Caixa participates in Serasa’s Clean Name Fair with discounts of up to 90%

Caixa Econômica Federal and Enel will participate for the first time in the Serasa Limpa Nome Fair, which will provide face-to-face service at Largo da Batata, in São Paulo, starting this Tuesday (29).

Feirão offers discounts of up to 99% on debts from Serasa partner companies, with the possibility of payment via Pix and immediate write-off of negativity.

According to Serasa, Caixa will offer discounts of up to 90% for commercial credit debts of 4 million customers. Enel will have 55% discounts on energy bills and payment in up to 12 installments.

The face-to-face service at Feirão Limpa Nome will take place from November 29 to December 3, from 8 am to 7 pm, with different hours on Friday (2) due to the Brazil game. The box is open until 3 pm on Friday.

In addition to the face-to-face modality, the Feirão also offers digital service, which will be available until December 5th on the serasalimpanome.com.br website or on the Serasa app.

According to company data, the number of defaulters grew again for the ninth straight month in September and reached 68.39 million people. The average debt amount reaches R$ 4,324.42. The largest share of debts is in the segment of banks and cards, which concentrates 29.45%.

In the state of São Paulo, more than 16 million people are in default, with 4.5 million in the capital alone.

More than 3 million debts have already been negotiated this year, with more than R$ 8 billion in discounts for 2 million consumers.

In the state of São Paulo, R$ 2.9 billion in discounts were granted to 900 thousand consumers, with almost 1 million agreements closed.

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SEE THREE TIPS TO GET OUT OF DEFAULT

1. DO THE ACCOUNTS TO UNDERSTAND YOUR DEBT

• Make a list of all overdue bills and installments, with their respective amounts. Put at the top of the list those that you need to pay off first, because they are essential, such as water and electricity bills, for example, or because they cost more, such as a credit card and overdraft
• Then, you need to know how much you will have available each month to pay the arrears, considering the other expenses you already have

2. NEGOTIATE WITH CREDITORS

• Look for the companies you owe to and try to negotiate. Do not accept the first proposal, but understand how the negotiation is going: What is the percentage of discount on the total debt? If I pay in cash, is there a bigger discount? If you pay in installments, how much is the interest?
• Define a goal, the amount you can afford and make counterpoints
• If there are still doubts, ask that the negotiation proposal be made in writing. Go home, talk to the family and come back later to hit the gavel and sign the renegotiation contract

3. ORGANIZE YOURSELF NOT TO CONTINUE OWNING

• When closing the deal, know that you have to stick to it until the end, so negotiate only amounts you can pay with the income you already have
• To ensure that you no longer have negative debts in your name, bet on financial planning, balance your monthly earnings and expenses. Make a spreadsheet and involve the whole family in this control and in the effort to save

_{Source: Serasa Educa}