RMC (Reserva de Margem Consignável) is a payroll deduction system that reduces retirees' benefits by allocating a percentage of their income to repay loans, which can create negative profit margins when combined with RCC (Reserva de Crédito Consignável) deductions. Retirees who have been negatively impacted by these deductions may have legal recourse to seek compensation, as the system was implemented without proper consent for indefinite contracts. The video presents three approaches to address this issue: a free method for those with significant financial hardship, a paid manual for self-help strategies, and legal action through qualified professionals who can potentially recover substantial amounts (ranging from R$5,000 to R$307,000 in documented cases).
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Deep Dive
RMC: Você Pode Receber Dinheiro de Volta e Ainda Ser Indenizado! Saiba Agora
Added:[music] [music] [music] [music] [music] [music] [music] Hey everyone, good afternoon. Welcome everyone to this beautiful, cloudy afternoon here in João Pessoa. It's a shame I 'm facing the balcony here, but it's a beautiful sunset. I already know that Thiago is wearing flip-flops and socks because it's freezing cold in São Paulo.
No, guys. He's all dressed up, all socially conscious.
But when he's resting, he wears slippers and socks, right? Like any good old man.
[laughter] Oh, no journalist would ever pass on unfounded information to you. No matter how much the other person denies it, I would never say that Milton Dantes is wearing ceroua right now, sitting in his chair.
Hey everyone, it's great to be with you again, especially when it's about such an important topic as the RMC issue, okay? Well, through Thago's legal team, we've been achieving good results, okay? Oh, so as not to say that I never had any results when Rogério worked with RMC, which he doesn't do anymore, okay? That's why, especially regarding RMC, we're working with Thiago's legal team. It's good, it's good to make this clear so people don't have to say: "Oh, Milton, you're not with Dr. Rogério anymore?" Yes, we are, but with different agendas, okay, everyone? Ah, although with Rogério, we had a particular case, Thagão, of over R$ 100,000 in returned RMC, this is very important to highlight, okay, everyone? Now, Thago's team, perhaps because of some special expertise there, a small detail, just like Tamara has, right? Given your established path regarding creditor insurance, we need to take advantage of every opportunity to secure your rights and address the deteriorated salaries you've been receiving. As if everything we've already reported here about corruption against retirees wasn't enough.
So, if you're here with us right now, give us a thumbs up, especially if you have RMC and RCC, tell us about it here in the chat right now.
If you have RMC and RCC, and they've been incorrectly deducting money for who knows how long, put number one, okay? So we can know who you are. And then, right after that, it tells you which part of Brazil you're watching us from. We'll bring you results today, okay? Not to say that everything remains just a scenario, an illusion, you know.
We're going to bring up decisions and values that are clearly rights that hundreds or thousands of retirees certainly have, but unfortunately, they haven't found the right person to seek them out from. I'm saying this, folks, because within the YouTube platform itself, there are many people selling the idea of RMC as a solution, okay? And unfortunately, they take money from you for the service, since there's an initial cost, but then they abandon you and then, years later, they show up to tell you that nothing came of it. It's no different here, okay? And we're going to show you that in a little while. Hey there, Thagão. Welcome, my friend.
Very good, very good, it's always here. Yeah, that's what Milton said. Actually, I wanted to have a follow-up interaction with you all here. Today we're going to go through the three forms. I was going to do this live stream on my channel on Tuesday, today is Wednesday. It wasn't on Monday, it's Wednesday, right? That's correct. Today is the 17th. On Monday, Milton, I started a live stream on my channel to do what we're going to do today.
I was censored. I didn't believe it. The moment I said, "There will be no more lifetime reviews." That's what I said, the key word I showed was the decision that ended, because people get stuck in this realm of speculation, as you yourself said, and on our channels we always try to bring the reality that we know is what you need for today, the solution. So, it's no use if the channel grabs your attention, holds your attention, and you participate, only for you to leave the live stream feeling the same way. No, here on Milton's channel and on my channel, you don't leave the same way; you always leave with a path, with a phone number for you to contact us, to send us your benefit application, and for us to do a free analysis of it, okay? And to direct them towards problem-solving situations.
So, when we found these doors, Tamara, Dr. Ronaldo who's now joining the team, the manual I developed here, Milton is helping me promote it, uh, these are doors we create to break through everything you've seen on other YouTube channels, because those other channels only want your audience for the sake of audience. And we don't want your viewership just for the sake of viewership.
That your audience needs to solve their problem, because with that you make the thank-you video and validate our channels as serious channels, which those who already know are aware of, but those who are arriving here today, new people arrive on the channels every day, it's important to understand that. And what we have most of all are channels that invent situations. Just yesterday I saw people talking about the 14th salary again.
For God's sake, this is no joke, right, people?
When, and for how long, are we going to have this? When I see these videos, I immediately raise my finger to report them. I report it immediately.
Yeah, I already ignore it, [clearing throat] because I know that YouTube's greatest tool, despite the reporting being effective, is ignorance. Ignore it, okay?
You already know that's just a legend. Now you're watching Milton's channel, I don't even remember which one Milton posted here, but that's probably it. Three methods to increase your profit margin. We're going to deliver, we're going to deliver to you, because that's what I do most, I study methods for doing it. And I'm very glad I created the manual back then. We're going to talk, Verusa, it's been a while, hasn't it, Verusa? We're going to give you a shake-up right here, live on air. Put Verusa's message up, Milton, I need to get this onto your channel, Verusa. Vera, I think to this day she still thinks I'm a consignment salesman. No, okay, we're here fighting against what was done wrong to your people there too. And you have a lot of people on your channel, I need to bring it to them too. When you have the chance, call me on WhatsApp, okay? No, it won't cost you anything. He 'll only add value to his people there, who also deserve it. But anyway, when we developed the manual back then, when people had run out of margin, I didn't know it would be so useful in so many situations. This guide has already been useful for those receiving BPC benefits who lost their margin and ended up with a negative balance in the first month. That's why I'm saying it's already been tested by BPC, because those of you who are experiencing firsthand what it's like to have no margin for error, BPC went through this exactly a year, a year and a half ago, okay? So, if it worked for them, it will work for you too. We'll explain in detail. But today you're going to leave here with three methods to help you maintain a positive profit margin. One that's totally free for those who've already squandered their Christmas bonus, which they weren't supposed to do, but it happened.
Maybe you arrived here later. One that will cost you a little bit, okay? But it will be efficient. And the other one, which you're going to spend a lot on—actually, you're going to invest—but you'll have the chance to snag a real windfall with this RMC cut and the RCC cut. And we're going to explain in detail why your margin is negative. I'll even prepare an extract while Milton speaks here so we can detail and do exactly what I tried to do and was censored for on my channel. And then the next day I managed to do the live stream, where I said that if YouTube censors me twice, then there's no point in me continuing the channel, because if they don't just prohibit me from saying what I have to say because it 's anti-establishment and anti-bank, then there's no point in me keeping the channel, right, Milton?
Yes, definitely. Hey everyone, since I 'm seeing people from São Paulo already talking here, let me just give a quick message, okay? The vast majority of you know this, but I need everyone to know, it's very important, because our struggle is deeply rooted in politics. So, just a brief comment and quick information. The vast majority already know about my pre-candidacy for federal deputy in the state of São Paulo in 2026. So, I'm seeing that there are a lot of people from São Paulo.
Hey, if you're not already part of our community to receive all the information about our pre-campaign, it's really important that you join. I'm asking Enaira to put the link to our community there, so you can stay updated on everything related to our 2026 pre-campaign, okay? If you 're there, you'll have information about everything, but it's especially for you to stay informed. What do I need from this, guys? Because, Thiago, uh, two days ago we saw some extremely important information on G1.
I even posted it, it's on my Instagram, if you can, follow me at @miltonantunes.
And I also posted here on the channel an essential piece about something I've been shouting about for a long time.
Brazil, Thago, is at 17%.
17% of the Brazilian population is elderly, that is, people over 60 years old, compared to 10% of young people, from 18 to 24.
This cannot be ignored, folks, because you, especially the elderly, who make up the vast majority of retirees and pensioners we so strongly advocate for here, are now showing the power you can have in 2026.
So you, who represent change, cannot continue doing the same things, okay? From 2022, we're in 2026. Congress is here, full of everything that's no good. Just turn on the news, the one you prefer, okay?
We can only achieve change if we do something different. The message is clear: a word to the wise is sufficient.
So, become part of our community.
Smoney is posting the link here along with Ená, okay? Oh, it's this link right here. You'll click and you'll be taken directly to our community. There we have a group of people who support our pre-candidacy, and those who are actually from São Paulo, because anyone from Brazil can join, but if you're from the state of São Paulo, you get in because you're essential. Besides being someone who can endorse what needs to be done in October, you can also amplify that power. Do you understand me? Well, we can't be campaigning, this isn't a campaign, right? I'm not using any specific terms for the campaign, be very careful about that. But if you want something different, you have to do things differently. You need to direct those in the National Congress who understand your struggle and who can fight for you there.
Simple as that. Okay, everyone? Let's go.
So, spread this around on your social media. If you're looking for pre-campaign material, search our community page; we're posting material there daily, okay? Let's go, Thagão, let's get down to business.
Let's begin here with a short lesson. For those who still haven't understood, because there are people who don't understand, the statement, they were all happy when they saw here, look, R$ 152 appeared in the available margin, right? The person who earns around R$ 30.49, as is the case with this client here, which has already been resolved. This is his old statement; he solved it using the manual, okay? What we're going to talk about here is a cheaper alternative.
First, we're going to explain what happened. This client here, he has, you had, look, three margins. This one here, regarding loans, was 35%.
The RMC was 5% and the RCC was another 5%. The " Desenrola Brasil" program, which came into action last month, brought down these two margins here. So, whoever hired, hired; whoever didn't hire, won't hire anymore. Now you'll only hire this one. So here it was 35, 5 and 5, making a total of 45. The outcome knocked down those two out of five and put five more here. It sounds confusing, but it's not. So you have 40% available for a loan today, right? And then you have 40% available for a loan; it shows up here below, which you didn't have before. And then you say, "Okay, so I'm going to take out a loan." The rule is very simple, folks. If you didn't have any margin before the rollover, you have a negative margin now, okay? Uh-huh.
So don't be fooled by this available margin, because right up here, it says that it's an extrapolated margin, see? So you have an extrapolated margin of 152.27, which is exactly the value of an RMC or an RCC, understand? So, everyone who contracted RMC and RCC is now operating at a loss. Whoever hired one or the other is now at zero, with zero margin. Having a zero margin allows you to refinance and carry out loans, but it doesn't allow you to take out new loans, okay? And the margin only becomes positive when you eliminate both cards. Based on this information, we will explain to you the three solutions you can use to definitively solve this problem. And whenever you're interested in one of them, just contact Milton on WhatsApp and he 'll leave the link, or you can find it below so you can understand. I'll pass the first one.
The first one is free, okay?
First, you're broke, you got your Christmas bonus, and you've already spent both installments, you have no income, you don't even have R$ 50 left. Legal. This is the economical way. You're going to call this WhatsApp number below. If you have loan installments above R$100, that are not from a bank in Bursa or from AGBank, and are not from a contract with more than 12 months, you probably qualify. That's being very precise; some people already think it's a certainty. To know for sure, you have to look for the contract.
So, when you call on this WhatsApp number, we're going to ask for your loan statement, which is exactly what you're seeing on the screen. Go check which banks have installments above 100, okay? And it will be forwarded to Tamara. When you arrive at Tamara's office, don't stop your service, don't think Tamara is a scam, because when we refer you, we show you the final numbers that Tamara will call you on so you can feel completely secure when making your contract with her. She won't charge you anything to start this process; she'll ask for the contracts from the banks she directs you to—this one here might have a lender—and will work to get you back between R$300 and R$40,000. It was the compensation that we managed to collect. It's between 300 and 40,000, Thaago, but that takes a while, doesn't it? Normally, if you do your part in less than 10 days, you'll have the money in hand, okay?
Having the money in hand and using that money to pay off a contract increases your profit margin. If this contract were to include, adding up the negative value you have here, that's R$ 152 per installment. If you manage to pay it off, let's assume Tamara can get you 5,000. Uh-huh. If you pay off a contract for R$150, your credit limit is already zero. There's no need to cancel RMC or RCC. Do you understand?
Much more practical. There's no need for a lawsuit, there's absolutely no need to take anything to court. Do you want to say something, Milton?
No. Relax. You can continue.
So, that's step one, which is free. So I want some interaction from you guys here in the chat. Anyone here who has a RMC termination process with some office, some lawyer, put the number three. Anyone who has the RMC or RCC discount and has never filed a lawsuit against these cards, please put the number one, okay? Let's try this interaction to see if it makes sense. The second step, okay? The second step, this one you have to pay for, but you'll pay very little. You will pay R$9.90. R $9.90 is the price. Milton, I think he has the correct link to share later, if you want to share it in the chat, okay, Milton? Because this is a very small quantity. This is pretty good, you know, folks? This is the link I'm putting here, look.
That. Safe. Let me explain, but grab this link, copy it, and save it on your phone, computer, wherever you're watching it. If you're watching on TV, ask Milton on WhatsApp, ask me on WhatsApp, ask at this number 6633. We'll send you the link to purchase this manual, which consists of 10 video lessons. It's the same manual I've shown you here before, the one for making that snowball effect. Remember? He was paying off a contract, and the money from that contract was being saved up to build up a reserve fund, paying off loan after loan. This same manual allows you to turn the margin into a positive one, provided you reduce all the contracts there, in this case, Váleo Bursa, Váleobank, all contracts with installments above R$100 can be reduced, okay? They can turn a contract of 100 into 80. One of 150 can become 120. And if you have 34, in this client's case here, if you reduce R$150, trim it down, let's suppose you have three contracts of uh R$150, if you manage to reduce R$50 in each one, you've already solved your negative margin as well, okay? That was the way people were finding to refinance with a reduced monthly payment.
However, the INSS (Brazilian National Social Security Institute) has already stopped this type of refinancing as well, because it wasn't profitable for them. So we have to work with what's possible, okay? Is it possible to arrange the service with Tamara? AND. Is it possible to use the manual along with the 10 video lessons? AND.
So let's use it. How much does the manual cost, Thago? The manual is very simple. There are 10 video lessons. I'll put the field here for you to make the purchase. After you click on that " make pages" link that Milton posted, you'll be directed to this screen here.
It's a completely secure environment from Monetize, which is where the practical manual course on smart payroll loan anti-indebtedness is hosted. You're going to fill in your details, okay? You're going to put your name here, you're going to put your best email address here, okay? It's very clear here, look. Because there are people here who make things up, and then they put Zé dascov @ something. No, put the email address that you actually open, the one you have access to. Oh, this is my email. How much do you want to buy? You don't need to buy more than one, okay everyone? Just buy one and move on.
Then you will choose credit card, Pix, or boleto (bank slip). I recommend Pix, okay?
With Pix, it opens a QR code and you make the payment. If you can't pay with Pix, you want more security, you're afraid of scams, you can generate a payment slip, okay? Boletinho, put your CPF here, and it will generate the payment slip. And if you still want to pay in installments, the cash price is R$9.90, okay? Here's the promotional price for you to pick up there. I made this for this live stream, but if it runs out later I'll try to find a way to make more available, but don't hesitate because I don't know if I'll be able to download it. This is R$199.
But with this you'll be able to get a discount. Then, for the card, you fill in the card numbers, name, and month here, and here you can choose to pay in installments.
See? For those who are really strapped for cash, you can even do it in 12 installments of R$5.
This course consists of 10 video lessons.
Later on, when Milton makes a presentation, I'll see if I can put together a lesson for you all to see how it works. And here you'll find out which documents you need to gather; you don't need any correspondent. Which bank can I use to request portability without receiving any change, because that's what you'll be asking for, you won't receive any change at all, okay? But it will reduce the installment payment, and with the reduction in the installment payment, you will eliminate your negative balance, okay? So I've already delivered two, two of the three steps here in less than 20 minutes. For those of you who enjoy hands-on live sessions, I'll be talking about the third method I'll be using to help you achieve a positive profit margin in a very short amount of time, okay? But take advantage of this tip from the manual right here. The link's right there, Tom!
It's mute.
The link is directly in the chat, okay everyone?
The one that's on the screen here, look. You can access it here through our chat. Good. I'm going to put together a video lesson here for you to see what it is, what the content is like, because a lot of people say, "No, that's too complicated." I've already gone over to the website to show you how quick and easy it is to buy, and I'll show you what the video lessons are like, okay? Just because it's called a manual doesn't mean it's a book, not one you'll spend a year reading, no. It's all very quick, 10 video lessons of 8 minutes each, and in a week you'll be able to request this change.
Anyone who needs credit, please interact with us in the chat and write "me," okay? Who needs to use the benefit, who's stuck, right? We don't encourage payroll loans, but we know that from now on it's all going backwards, right? There is no more 13th-month salary.
Well, people who are used to using payroll loans find themselves in an uncomfortable situation because you end up being pushed towards personal loans. So, we're left wondering, you know, what do we do? And the requests we get most often here, Thago, are urgent, everything is needed yesterday, right? We are aware of this difficulty. So, that's why we 're trying to fix what the government messed up for you all.
Look for a video here, Milton.
Alright, everyone. I'll have it ready here in a little while, okay? Let Thiago just finish his reasoning so we can move on to the next phase, which is what will give us the result we'll present to you, okay?
I think we can, we can talk, you know? Let's not keep you in suspense for too long. We can start by showing the results and then we can show the video lesson. Milton, you have some results there, right?
Show me the results first, then I'll come up with the method.
Alright, guys? What we're going to show on screen now are the results and who pursued the issue of canceling the RMC through legal means. I know, I've seen a lot of people here in the chat saying: "Oh, I already won in court or I filed a lawsuit, but nothing came of it." That's because there are different cases and, besides, there are different professionals, okay? I 'm also tired of seeing a lot of people who spent money on pseudo-professionals who were just fishing to earn a little extra money, live off of that extra money, and scam retirees. There are still many of these around here, okay?
But they go back and forth, which is to throw people off the scent. We've been here for 10 years, always striving for the best for you. I am the main observer of this. When I see that it's not working out, I myself have broken off partnerships with people here who were worthless when I found out they were just stringing along the retiree. I dumped him and I don't care about anything else, okay? Not by them. I kept making a little extra money for myself by deceiving you. But my goal here was never to deceive retirees, it was always to defend you. That's why I make a point of kicking retirees out of any chance they have of cheating them, okay? So this is the result of professional work, okay? Guys, you explain it, okay, Thagão?
Sure, you can drive around, I'm on my way. I'm looking for our videos here, but I'll be back here for the live stream. The first case we're going to present here is... This is a no-man's-land, right? And most importantly, folks, there was a live stream I did on my channel, and when I broke off the partnership with Denis because he collapsed, he couldn't take it anymore.
His office was for one purpose, and he ended up taking over the RMCs and started to get things in order, but it reached a point where he collapsed, he couldn't handle it anymore. So, that's why I did a live stream saying, look, if it's not with Denis, I'm not going to do it anymore, because just like Milton said, I'm tired of people speculating about good results and then not getting them. So I did a live stream saying, "Look, the RMC isn't working anymore, and that was shortly before it turned negative." On the same day, I was contacted by Dr. Ronaldo's office. He called me and said, "Look, I'm just calling to tell you that you said something untrue on your live stream today." And I was very worried because, journalistically speaking, when you hear that, you think: "Wow, the last thing a journalist does is lie, right? What I presented was information I had, and he came and rewrote my information. So I have no problem retracting it. And I retracted it on the channel, and then he said: "But I'm in no condition to serve any clients, I already have some partners here and I can't." And I said: "No, now if I'm going to retract it, I 'll need you." And then, with great difficulty, right? Actually, it took a week. The negotiation there was quite drawn out. He doesn't like to appear in public, right? He has this reserve, this issue. And between having someone who likes to appear in public and someone who doesn't like it but gets things done, I prefer to have someone who doesn't like to appear in public but gets things done, right? So that's the case we have here. I said: "Because I'll appear in public, Milton will appear as long as you resolve things." And he said: "No, That's up to me, right? Each one in their own square. I'm not a communicator, I don't have that desire to be in the spotlight, but I work quietly and with great results. I said, "Okay, that's what we need." And this one here is a no-man's-land, right? That he is entitled to compensation. You're going to see the record, you're going to be amazed, because I've never seen anything like it. And the best part about showing these records, Milton, is that they're current, right? What proves this, if you pull it to the side, is the date of the decision on the little side there. I don't know if this file is cut off, but it's all from the 25th and 26th. 25th and 26th, right? We know that the RMC cut-off process takes time; it's not quick.
Hey everyone, here it is on April 23, 2026, right here in this little corner. Yes, it 's very recent. So when he showed me that, I said, "Yeah, there are no counterfactuals, no arguments." And I went to his office in São Bernardo do Campo, here in my city in São Paulo, but he serves all of Brazil, right? You can contact us on WhatsApp, and we 'll direct you to the appropriate service. And with the RMC cut, as I'm saying, you have this case of 49,000, it was an RMC from 2020. So, whoever has an RMC, put the year of your RMC here, since when have you been paying this? And here's the thing, Denis wasn't just filing for RCC, he is filing for RCC. And another detail, he wins cases for those who use the card, something that Denis also wasn't able to do, not due to incompetence, but because he didn't have the right legal argument. So Dr. Ronaldo has the theory.
So when you arrive for your appointment, you'll call me, make the payment here, and I'll handle the billing to prevent any kind of fraud, okay? Okay, after you pay, I'll forward it there. When you arrive at the office, tell the truth. He will ask: "Do you use the RMC card?" No, I never even received the card. You're going to say that. I use, I use the RMC card.
Legal. He will base his thesis on what you say. Because if you speak up or omit information, you know, in some situation, say you don't use it and then the bank or judge sees that you do use it, then the situation would fall apart, and that's what happened. So there's no need to lie, no need to make up stories, you're going to tell the truth and he 'll assess your potential gains. The most important thing here is not to promise compensation, it's to get you to stop paying, because to get back in the black, you don't need compensation, you just need to stop the charges. So, Milton, his statistics show that for every 10 people who come to him, he's managing to get eight cuts, and half of those eight, four people, or in other words, 40% of those who call, are being compensated, okay? Compensation exceeding R$ 5,000.
So this customer received R$ 49,816.
Swipe to the side.
There are another three or four more there.
There's another one here, look.
There's also Francisco, who won R$ 15,000 there with Denis this week.
That one too, look, 18 12/08 of 25 the decision, look. Total there took 19, took 1000, and gave R$ 16,000 in compensation. R$ 16,214.
And then the other one down here, look, 12,849. This is a decision from November 25th.
This one here, 5300, see, February 27th, 2026, 21,321.84.
On July 25th, the decision became final.
All those who took money stopped paying, okay? But that was a bonus. Many people say: "Yeah, but so what? Am I going to pay off my credit card, Thiago? I have the money to pay it off." Okay, so you have the money to pay it off, but why don't you put down R$ 600 to start the disconnection process?
Because if you're not careful, this case here is exactly what I'm seeing right now in April 2026.
Yes, it's what you're seeing. It's recent and it's a record for compensation.
Look at this, everyone. R$ 307,000 now, as of April 2026. Wow, this decision against BMG.
That one, that one I joke about, people keep betting on the numbers game, right? The old man likes to play the numbers game, he likes to bet, you know, on the Mega-Sena, the sports lottery, on Viva Sorte. That's right, that's a prize, isn't it? But here, unlike relying on luck, you're relying on competence, because there was a mistake made earlier regarding your benefit. And then you have a specialist lawyer who's affiliated with us here, and we promote what's good. That's not a problem at all, because the problem is when you spread rubbish and this lawyer goes and gets it out of nowhere. Can you imagine how happy that customer must be, Milton? That's in the final stretch of his life, he looks like he's 72 years old. You're taking 300,000, right? Even though he's been wronged all this time, I imagine he's happier than someone who's never had an RMC discount. So, if you 're sad today because you have this discount, know that all of you who have the RMC discount—I know that 10, 9 out of 10 are available here— you have the possibility, and those who don't have it now want to get it, right? Oh, why was n't I harmed by this? Because the only chance was a discount of R$300 that had been applied since 2016, okay? So, if that's your case, you have over 300, and it's just that we don't have many servers here, right? We mostly have INSS (Brazilian Social Security Institute) benefits, but he was a civil servant. And if you're a server with a high RMC (Return on Merchandise Compensation), the higher the rate of abuse they inflict on you, the higher the potential for compensation.
Let me see if I can get the video lessons here so I can share a short clip with everyone.
It's silent, Miltão.
No, it's okay. I'm telling you, it's fantastic, guys. Well, it's great to see these results because it reinforces the belief that, in fact, when things don't work out, only two paths serve as an explanation. Either the legal professional lacked practical knowledge of the matter, as is the case with Dr. Ronaldo, or it was someone who was really only there with the intention of earning that initial fee that you often pay for the lawyer's services, and that's it. Okay? But now we present this third option, which is a real solution. We just showed the proof, so there's no arguing with facts, including recent ones, okay? From R$5,000 to R$307,000, R$1,000 in compensation.
Sure, each case is different, okay?
Your specific case needs to be analyzed. So, if you are retired, a pensioner, regardless of whether you are a municipal, federal, or state employee, or if you are part of the social security system, use the contact information below, okay? Area code 112456633.
Send a WhatsApp message now: "Look, I'm retired, I'm a pensioner, my case involves RMC (Retirement and Compensation Fund) and I want to find a solution." So, we presented it here; if you're arriving late, watch the live stream from the beginning.
We have three ways for you to access this solution. A court order is one of them, okay? And the most complete one, it's worth pointing out, Thago, you see? Because within this pursuit, when you go through the legal system, in 90% of cases, you get back what was wrongfully taken from you. Remember that going through the courts usually gives you rights to the last 5 years, okay? Retroactive payments, but then there's often the issue of moral damages caused, and that's often what increases the amount you end up being entitled to receive. But the path is being shown.
So if you are that person, the WhatsApp contact is here for you to talk to us, so we can analyze your case, okay? Hey there, look, I watched Milton's live stream with you guys and my case is about RMC, RCC, I want to solve the problem.
Okay, everyone? Hey there, Thagão.
Yes, I'm looking for it here. I found a little live stream, but it wasn't quite the one I wanted to show. I wanted to show you the new video lesson, but I'll show you this one just so you can see that you're bald, because the manual is old, but it's timeless. If necessary, I would update it, but it 's not needed. It's important for you to see how your access to this content I'm talking about will work.
If you have it there, I forgot to mention the price, right? Dr. Ronaldo's case involved a minimum wage salary. And then when I closed the partnership with him, I said: "Doctor, it has to be a maximum of R$ 600". And he said, "Tiago, I can't do it for 800." I said, "No, I'm not even going to disclose 800 because, no, they don't have it." And then I managed to close the deal for R$ 600, okay? So, everyone who calls there, I know you've probably already spent money this month, but plan ahead, okay? If you're interested, just get in touch, and we'll direct you to the WhatsApp group here, where we'll hold your spot until July 15th. Then I'll be able to receive next month's salary. So how can you pay? Either R$600 cash or in two installments of R$350, okay?
Listen carefully, it was minimum wage, it was 1600, okay? We managed to get it for half, well, less than half, for R$ 600, right? There are some things we bring for free, like Tamara, who isn't free. You'll get there, if you have the money, great. Then you pay her 30%. If that doesn't work out, well, actually, I forgot to send the list of this week's winners, I'll send that in a little while too. But in Ronaldo's case, yes, he has to pay. And I'll tell you one thing, a lawyer who doesn't charge for filing a RMC application, doesn't file it, okay? Because the process has a cost. So, uh, but that's what I'm saying, we saw it, right? The result was R$300,000, R$1,000, the person put R$600 in and got that. So sometimes, people have this resistance, like, "Oh, I'm not going to pay to put a down payment on anything." Then you miss the opportunity, right? And you often spend that money, two installments of 350, you spend 600 on sneakers, on clothes, and you're still stuck with your negative benefit, paying for something until the end of your life, because if you don't take legal action, you'll be paying for the rest of your life, okay? The bank will not remove your RMC discount. And, in fact, that's why it entitles you to compensation, because it's a contract made without an end date.
I had a client who said, "Thao, but I agreed with the RMC." I said, "No, you agreed with the RMC? Wait a minute.
You agreed to what?" "No, I agreed to take the money from the RMC. I agreed to use the RMC card."
I said, "Okay." And you agreed that your contract wasn't going to end? Then he said, "No."
I said, "Ah, so that's the issue."
Nobody is telling you to tell the judge that you didn't agree to take the money, that you didn't agree to use your card; you simply didn't agree that the contract wouldn't end, because there's no such thing as agreeing. You're about to take on debt, and the person tells you, "Look, but this debt never ends, okay?" Do you agree?
No one agreed. Therefore, everyone has a chance of receiving compensation.
Everyone has a chance.
Just a quick snippet from the live stream, Milton, for everyone to see. From the live stream, no, from the manual.
There are eight video lessons in this style, folks, with a whiteboard behind me, with me bald and explaining it here, look. And that's how I mean it, you can go back and watch it again with lifetime access, okay? For R$49, your salary just shrunk, okay? Because the salary keeps eating away at it, right? That loan limit is eating away at your salary. So, the salaried worker, I didn't even bother to grab my little guide here, which makes it easier to cheat a little here, see. 90 is 84300, right? Then he paid 30. He paid 30, look. He paid 30. 30 x 300 he had paid, right? 30 x 300 equals 9000. 9000.
9000.
9,000. So it's going to be like this. Actually, Milton, that calculation I did reminded me of another situation that came up this week. Don't call us after you've made a mess.
It happened that the retiree called me on Tuesday saying: "Thao, I just left my house and managed to get a reduction in my monthly payment. What the manual will do for you is a reduction in the monthly payment, without your contract reverting to the previous one.
Look what this retiree did. I memorized it, I don't even need a cheat sheet for this. He had a contract with a monthly payment of R$ 800, which was for 84 installments. Milton, do this math to make you go crazy. Look how someone leaves home and loses a car.
R$ 800 was the monthly payment, he had paid 12. I don't even need to do the math, it's R$ 9,600.
Then he went to the Agbank store because the attendant called him to reduce the payment, it was reduced to R$ 700. Great.
I said: "But did you get change?"
I got R$ 300.
This is real, okay? I'm not making it up. Okay.
But what about the contract? Was it for 84 installments? Yes.
How many did it go to? It went to 108.
Oops." From 700. Okay. So, you increased it by 24 installments, and you had already paid 12. And how much did it go back to? Oh, no. Now it's back to zero. So you lost 36 installments. I'll do the math: 700. Don't get upset, because in the first year you paid R$, okay? That was R$29,000.
Wow, they gave you 300 in change. So, folks, you have to understand that Milton and I are here genuinely, with open hearts and happy to solve your problems. Back when we didn't have these tools, we stayed here without saying anything.
Now, we'll never tell you to make a deal like that, because it 's the same as an influencer telling you to gamble, because you'll only lose with that, okay?
I'm talking to everyone here who follows Virgínia, who follows the people who say, "Deolândia is already in jail," it's not a problem. But everyone who tells you "Playing the game, the guy is abusing the intelligence of his followers. So we're not here for that. We're here to put you on safe paths. And when we say, 'look, the way out of the process is viable,' it's because we know that if you squeeze, you can get R$600. Then if you squeeze, you can get two installments of R$50. And that effort will earn you a lot of money in the future, unlike if you do a negotiation like that, reducing the installment amount but increasing the term. What do you gain from that? So, don't underestimate your own intelligence. Then he calls me again. I said, 'Why did you call me?'" You're not watching me, sir. You can see. That's not right, Thiago. I'm having a problem and I'm not watching. I said, "Then don't do that. Go to the store." He managed to cancel the contract after my instruction, because it had been less than 24 hours. I said, "Go to the store now, okay?"
Say that your son got into a fight. Don't say it was me. He says his son got into a fight and that he needs to cancel the contract urgently because having R$300 today to pay R$29,000 tomorrow isn't worth it. Uh-huh. Thaago, man, thank you, for the love of God. So he went there, cancelled it, and returned it.
It's a good thing he hadn't spent the R$ 300, otherwise he wouldn't even have been able to undo it.
And then she's already been registered with Dr. Ronaldo.
I said: "Look, it hurts, doesn't it? Because leaving home broke and getting R$300 is nice, but you'll lose R$29 in the long run. So it 's nice in the moment, but it won't be later.
So putting in R$600 hurts in the moment, but afterwards it's just good expectations for you to reap good rewards from it. Quick message, Nilson! I saw your message here in the chat.
Talk to me on this WhatsApp number on the screen, okay?
83993093831, so I can give you some behind-the- scenes guidance, okay? Better than here live. But what Thiago said, folks, is extremely important, okay?
So, if you're retired or a pensioner, don't fall for this story of answering phone calls or WhatsApp messages saying there's a wonderful advantage, because, look, every day retirees receive bait, like a little fish to be caught by loan companies." Or banks, okay? And they'll always sell you a miracle. But the miracle is for them, in reality they'll sell a fantastical story, as was the case in the example Thiago gave, when in fact they're often offering you R$300, as was the case here, but behind your back they'll earn almost R$000. So that's it, okay everyone? Here's my last list of those who received compensation. Just so you know, Milton, this week, last Friday, today is day 174, I like to mention dates in live streams, which then become cut-off dates, Tamara gave me this month's list, just this month for the people who say: "No, I didn't receive anything from my creditor."
That's because you didn't do your part. If you have insurance, send the contracts to Tamara, help Tamara's work, because it's worth it. Look, Jefferson received 2924, Mr. Carlos 1322, Sóstenes 349, Mrs. Irene 118, Mr. José here from Milton's channel 326, José Carlos also from Milton 72, Luciene 875, Mrs. Ana 284, Cleone 2817, Augusto R106 and Vilma R$ 500. So it's happening, okay? It decreased, it decreased because now many people are cutting their contracts, so we have to emphasize this. For civil servants, they are still continuing to include, uh, insurance left and right. For retirees, it stopped, but we have to keep our eyes open because the Deagou there, right? The cooperation agreement, we have to keep a close eye so that this door that was closed with the CPMI doesn't reopen, and then you who have a negative margin, take this action for yourself, because the government doesn't want you to do that, okay? The INSS is closing the door, there is no more profit in the payroll loan operation. They, in fact, don't want you to do it. Today I went to do a "Regarding the contract, Milton, the difficulty the client faces in getting the loan released now is that they have to go to the government to give their approval, you know? It seems like they 're doing business for those who are high-tech, for those who are digital natives. A retiree, a pensioner, they don't have the technical knowledge to go to the government and do all the bureaucracy they want to get a loan approved. So all this indicates that the INSS (Brazilian National Social Security Institute) no longer wants to lend cheap money and is pushing you towards expensive credit. That's what's happening.
So while there are tools, while there's bamboo, there are arrows, right? Go for it to solve your problem as soon as possible while it's still possible.
Okay, folks, a quick message.
Tomorrow, at 2 PM, this live stream will be recorded, right? Ah, even though we're live. This Thursday, June 18th, at 2 PM, I will be retransmitting a Supreme Court ruling regarding the rights of children with autism, okay?
So, if you want to know what it's about tomorrow, I invite you to be there..." I'm here with you in this rebroadcast, and we'll be talking about this live tomorrow during the rebroadcast. It's an important case for you who are atypical families, who have children with autism, autism spectrum disorder; it's very important that you participate. Spread this live stream so that this information reaches as many people as possible. Your rights are being judged all the time.
So, if you ignore this, when you have the information, it will be exactly when you go to seek your rights and then you find that they were denied, often due to your lack of knowledge, of not following up to exert pressure. We got to where we are with the struggles we have with Congress, with the judiciary itself, defending you, retirees, elderly people, people with disabilities, precisely to clarify your rights. This live stream, many times, for those who are ignorant or who are not used to following our daily struggle for you for years, will just judge us as just another one who is there trying, in quotes, to deceive the elderly. Isn't that right? Those who know me know. That's right, anyone who knows Thiago knows this. Here, we've opened the eyes of thousands of people, and I've lost count of how many WhatsApp messages or calls I've had the pleasure of receiving from people thanking me for benefits maintained by accessing rights they didn't know they had, precisely because they followed our daily activities. Okay, everyone? This is very important. That's it. I'll leave it at that, saying goodbye to you all, thanking you for your attention, okay? Never doubt that we will always do our best.
Sometimes the best isn't what's free.
We'd like everything to be free, but what's easy, what's free, sometimes doesn't work. So, uh-huh, paying a little, something fair, right, that fits well, is the right thing to do, showing what possibilities we have today.
We'd like, like Milton is seeking, a pre-candidacy, a position, right, and with that position, things become easier to manage. These are the levers we need. I've already made myself available too, I know it 's not easy. I admire my partner here for having the courage to run again, and I'll give him all my support and encouragement. So, support and encourage our fight too, okay?
Embrace what we're directing, because it's certainly the best thing to do today. No, it's not the best in the world, but it's the best thing to do today. The best thing for today isn't to cry, it isn't to lament, it isn't to play the victim, it's to roll up your sleeves, get in there, go for it and solve it in the best way possible, and then smile, making fun of that justice system that screwed you over back then, but that today can literally give you payback in cash. So, count on us here, we're in this together. And I'm going to my channel, there's a live stream at 6:15 PM, Milton.
Okay, Thagão. Guys, thank you for being here. A big hug and see you later. See you soon, okay?
Bye. Bye.
Thanks.
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