The conditions they offered before, I couldn't manage. This is very good.
Over 10 million debts available for negotiation with discounts reaching 99%, involving 1,600+ companies including banks, retailers, and utilities across Brazil. Multiple access channels offered: postal offices, website, mobile app, and WhatsApp; approximately 2.3 million Brazilians eligible for maximum discount this campaign.
- Over 10 million debts available for renegotiation on Tuesday with discounts up to 99%
- 1,600+ companies participating including banks, retailers, and utilities
- 2.3 million Brazilians eligible for maximum 99% discount
- 672,000+ agreements closed at 99% discount Jan-July 2025, up 7.94% year-over-year
Serasa launches a nationwide debt renegotiation initiative on Tuesday offering discounts up to 99% across 10+ million debts through multiple channels including postal offices, app, and WhatsApp, with 1,600+ participating companies.
On Tuesday morning, Serasa opened the doors to what it calls its largest debt-clearing campaign yet. Across Brazil, more than ten million outstanding debts became available for renegotiation, with discounts reaching as high as ninety-nine percent. The initiative spans multiple channels: over six thousand postal offices, the Serasa website, its mobile app, and an official WhatsApp line. In Salvador, people can walk into the central Correios branch on Praça da Inglaterra to sit down with someone who can help them settle what they owe.
More than sixteen hundred companies are participating—major banks, retail chains, water and electricity utilities, and finance firms. The scale reflects a shift in how Brazilian creditors are approaching the problem of unpaid debt. Rather than holding firm on full repayment, they're offering terms that might actually work for people who have been trapped for years.
Maria Angélica Santos is one of those people. At sixty-nine, she is retired and carrying a debt of nearly four thousand reais from a store loan she took out more than three years ago. She has tried to pay. The creditors have refused to budge on the amount owed. The payment plans they offered were impossible on a pension. Her name went into Serasa's negative registry. When she heard about Tuesday's campaign, she decided to go to the Correios early in the morning and try to negotiate. "The conditions they were offering me before, I couldn't manage," she said. "This news is very good."
According to Serasa's data, roughly two point three million Brazilians qualify for the maximum ninety-nine percent discount in this particular campaign. The numbers suggest the strategy is working. From January through July of this year, more than six hundred seventy thousand agreements were closed at the ninety-nine percent discount level—a seven point nine four percent increase compared to the same months in 2024. People are moving. They want their names cleared. They want control of their finances back.
The mechanics are straightforward. Someone can download the Serasa app, enter their CPF, and the system displays all their debts and their Serasa Score. They click to see what offers are available, choose a debt to tackle, select their payment method—Pix or boleto—and complete the agreement. At a postal office, there is a small fee: four reais and sixty centavos per agreement, or three reais and thirty centavos to reprint a payment slip. The website serasalimpanome.com.br offers the same service. So does WhatsApp.
What makes this moment significant is not the technology or the multiple channels, though those matter. It is the recognition that millions of Brazilians have been locked out of the financial system by debts they cannot pay in full, and that creditors have more to gain by accepting partial recovery than by holding out for everything. Maria Angélica's situation—years of trying, years of rejection, years of being marked as unreliable—is not unique. It is the condition of millions. Tuesday's campaign is one day. But the trend it represents, the willingness to move, suggests something larger is shifting in how Brazil thinks about debt and second chances.
Citas Notables
I took out a loan at a store and have been carrying a debt of nearly four thousand reais for more than three years. I've tried to pay, but they won't reduce the amount. It's already in Serasa. The conditions they offered don't work for me—I'm retired. This news is very good.— Maria Angélica Santos, 69-year-old retiree
La Conversación del Hearth Otra perspectiva de la historia
Why does a single day matter? Isn't this just a marketing event?
It's a day, yes, but it opens ten million debts at once. The scale forces something real to happen. People like Maria Angélica have been waiting years for terms they could actually meet. One day doesn't solve the problem, but it breaks the logjam.
The ninety-nine percent discount sounds almost too good. What's the catch?
There isn't really one. The creditors have already written off most of these debts as uncollectable. They're getting something instead of nothing. And they get the person's name cleared from the negative registry, which matters for the economy—people can borrow again, spend again, participate.
But why now? Why is Serasa doing this in 2025?
The data shows it works. Six hundred seventy thousand agreements in seven months at the maximum discount. That's not charity—that's a business model that's proven itself. Creditors see it works. Consumers see it works. The momentum builds.
What happens to someone like Maria Angélica after Tuesday?
If she negotiates, she pays what she agreed to, and her name comes off the negative list. She can start rebuilding. If she doesn't find terms she can manage even on Tuesday, she's back where she was. But at least she tried when the door was open.
Is this solving a problem or just moving it around?
It's solving it for the people who can take the offer. For millions of others still trapped in debt, it's a signal that the system can move. That matters psychologically and practically. It shows the path forward exists.