Overview
- The campaign runs nationwide from November 3 to 30 with more than 1,600 participating creditors across banking, retail, telecom and utilities.
 - Negotiations are available via the Serasa app, website and WhatsApp, as well as free in-person service at over 7,000 Correios agencies.
 - Offers include installment plans starting at R$ 9.90 and the option to clear one’s name immediately when paying via PIX.
 - Local support at launch features a financial-education specialist in Salvador on November 3–4 and Serasa technicians in a Porto Alegre agency.
 - Serasa cites a record near 80 million Brazilians in default, with state snapshots such as Maranhão at 45.4% of adults, Rio Grande do Sul at 43.89% and Piauí at 39%.