A Recovery, a company of the Itaú Group and a national reference in the purchase and management of defaulted credits,Currently manages a total of R$ 134 billion in overdue credits. This amount includes debts from individuals (CPF) and companies (CNPJ). In the case of individuals, half of the outstanding issues are related to credit card usage. Among companies, this type of debt accounts for only 9% of the total.
“Nowadays, access to credit is easier thanks to the large number of banks and fintechs on the market – which boosts the economy, but can also lead many Brazilians to lose control of their finances. The sooner debts are settled, the better, as the person or company can negotiate better payment terms and even reduce the total amount of the debt. This is especially important in the case of credit cards, which have high interest rates,” he says.Camila Poltronieri Flaquer, head of Digital Collections at Recovery.
According to the survey, the average debt of Brazilians on credit cards is R$ 4,309.00. Regional distribution shows that 46% of indebted people in this category are in the Southeast, 30% in the Northeast, 11% in the South, 6% in the North, and 7% in the Midwest, highlighting a significant concentration in the most populous regions of the country.
The second main category of debts in the Recovery database includes banking products such as loans, payroll-deductible credit, and personal loans, representing 29% of individual debts and 34% of corporate debts. The rest involves debts related to retail, education, and telecommunications. "These data reflect debts sold to the market and currently under Recovery's management," explains Camila.
The second category of financial pending issues in the Recovery database, which accounts for 29% of individual debts and 34% of corporate debts, includes other types of banking products such as loans, payroll-deductible credit, personal loans, among others. The remaining corresponds to banking products linked to retail and sectors such as education and telecommunications services. "All these data are of debts that were sold to the market and are now under Recovery's management," concludes Camila.
To make it easier for people to renegotiate debts, including credit card debts, the tip is for consumers to take advantage of theMega Clean Name Recovery Fair. The campaign, which runs until 12/20, offers discounts of up to 99% and installments of up to 48 times, with a minimum value of R$50.00 per installment.
Those interested in renegotiating must check their CPF number on the websitehttps://renegocie.gruporecovery.com, via WhatsApp (11) 4765-8402 or through a free call at 0800 772 3331. The company's customer service team will also actively contact clients through phone support.
