URGENTE: Bancos Não Querem Que Você Saiba Dessa Regra Que Pode Reduzir Suas Dívidas

Added: 2026-06-03

[00:00:01]The new way to resolve debts is through restructuring, including using the rules of the Central Bank and the National Monetary Council. Guys, this live stream is worth more than gold, because many lawyers don't even know this, and many accountants only know a little bit, but it's making huge impacts on many people's lives, especially if you're burdened with very high debts. Hey Dr. Rafael, I got a little confused here. I am a businessman, and here I am a public servant. And my debts are very high, more than 100,000, 200,000.

[00:00:51]Guys, what I'm about to teach you can help you a lot. And I make a point of teaching that. I've been making a point of teaching this because when I offer solutions, when I answer consultations, many people even say, "But is this really the best way?" And sometimes people come to consult with me, and sometimes they talk to one lawyer or another, and then the lawyer says, "No, Central Bank resolution, what 's the number?" No, that doesn't exist.

[00:01:23]No, no, not that. I don't think so.

[00:01:27]That lawyer you went to is really crazy. When in fact, folks, these resolutions from the Central Bank and the National Monetary Council do exist. They recently came into effect and have thus been a major catalyst for resolving debts.

[00:01:47]So, if you're in debt, if you're a business owner, if you're a public servant, if you want better things for your life, this live stream is for you.

[00:02:00]Even if you are retired or a pensioner.

[00:02:04]Why? We're going to talk, I've prepared some material for you here, we're going to talk about strategic restructuring of bank liabilities.

[00:02:14]Prepare yourselves for a emotional experience.

[00:02:18]We're going to move from debt collection to strategy, and here we'll discuss a step-by-step technical process for transforming disorganized debts into structured solutions.

[00:02:34]Many people, to give you an idea, still base their debt resolutions on outdated National Monetary Council resolutions. That's why debts sometimes don't get resolved. And on the other hand, there are people saying that a short course once a month will help you solve these huge debt problems. Others there say things like: "No, the big debt problem there can only be solved by requesting the debt history document. The bank will be eager to make a deal with you."

[00:03:09]Folks, what you find most on the internet are promises, lies, and mostly empty promises. And I've been doing live streams, I did this live stream teaching this recently, but I hadn't made any material. This time I brought material for you, because it's the same step-by-step process that the office here uses. The information I'm going to give you today is the same information I teach someone for a consultation that costs R$500, or R$500, within an hour.

[00:03:46]So, if you're a business owner, get ready, grab a pen and paper, and find out here if you have high debts; discover in this live stream what you can do.

[00:03:57]Yes, it is the best path forward currently. And we're going to understand that it goes far beyond the law, far beyond the judicial process, because many lawyers, fellow lawyers, they are concerned with the process. And this path here goes in the opposite direction. The fight, it starts out of court, and it's not even a real fight, right, folks? We're providing what the bank needs to give you a good discount, probably on your debts.

[00:04:30]So go ahead and subscribe, like this video, and please share it as much as possible with people who have said they were going through financial difficulties, who got tangled up in very high debts and say: "Look, this lawyer already assisted him because of this or that or that." And now he's bringing up a point with very high debts. He has also frequently assisted indebted business owners, ranchers, agricultural producers, farmers, and people in the agricultural sector. Yes, anything is possible, folks, it's a debt. We're going to talk about that here.

[00:05:14]So let's go, everyone. Here's the important detail: start liking and sharing this post, and come along for this information.

[00:05:21]The big question is, I'm going to ask you a few questions, and you can answer them with me. Just a reminder that I'm always live Monday through Friday at 10 AM, and Saturday and Sunday at noon. And also reminding you all that, you know, I'm always live from Monday to Friday, and in addition to my live streams here, you always have my phone number here for you, okay, folks? Here's my phone number so you can get in touch with me. The video description, first pinned comment, also contains all my contact information. So let's get to this information. Strategic restructuring of bank liabilities. Few people in Brazil, especially lawyers, know that debts are classified in Brazil.

[00:06:15]Yes, [laughs] did you know that debts are classified from C1 to C5? Debts with more guarantees, debts with fewer guarantees.

[00:06:26]So, we go from C1 to C5, debts with more guarantees to debts with fewer guarantees.

[00:06:34]Few people know that banks are also classified in Brazil.

[00:06:42]Banks are classified from S1 to S5.

[00:06:48]In other words, banks have their own classification, debts have their own classification, and furthermore, you, whether you owe the bank or not, also have your own classification.

[00:07:05]And all of this is the gear that makes the banking and financial system in Brazil, nationally and internationally, work. Because this issue, in fact, stems from problems in the United States, something that's been around for a long time, but it originated there as well.

[00:07:22]So, understand that all of this makes the bank analyze you. And the way he analyzes you is what used to make him truly care about you only when you didn't pay. But nowadays, even before you stop making payments, the bank already anticipates, predicts, and even has to set aside money.

[00:07:51]Because the logic today, folks, isn't just about the loss that occurred. The loss incurred.

[00:07:57]She touches on the issue of incurred loss, but also expected loss. Look at this interesting information for you.

[00:08:06]And all this introductory information I'm giving you will actually help you resolve your debts. And we have to get out of this passive position, people, of just sitting there waiting. And we need to actually take the position of seeking information, the active position. I know that many fifth-graders have already thought many things about my last statement, but okay, let's continue here.

[00:08:33]So we have to act, not just react. Did you understand that? And what do you often think when you have debts, especially large debts? Only in reacting. When the phone rings, when the threat appears, when a bailiff shows up, that's when you react, and often you react badly. So, we have to think about the following: here we are talking about the issue of strategic restructuring, that is, it is not without strategy, and we will work with resolution 4966 of the National Monetary Council and 352 of the Central Bank. You 'll understand a concept here called provisioning, as well as the issue of preparing dossiers and mailbags. Come with me then. The central mistake everyone makes is negotiating without a diagnosis.

[00:09:35]Nobody knows what they owe, or to whom they owe it. And what do people do? Go and negotiate. They don't even know if it's right, and the person is already negotiating.

[00:09:50]The debtor looks at the installment amount, the bank looks at the risk.

[00:09:55]And the exact strategy is to look for the best time to negotiate. And this is what we call the trading window.

[00:10:06]And this proposal focuses on the execution, because without the diagnosis you're asking for a discount. With a diagnosis, you present financial, legal, and accounting logic.

[00:10:22]So, what is needed right from the start?

[00:10:26]Diagnosis is necessary because it's important to understand the bank's financial logic, how I'm here to conduct this negotiation, the legal logic, my legal and technical grounds, and what illegal actions the bank might have taken against me that put me at an advantage, meaning that if I were to dispute this in court, the bank would likely lose.

[00:10:55]Aligned, even with the decisions, with what the higher courts themselves see, because many people, many fellow lawyers, I understand this, and especially me here, who is already a great developer of legal arguments, we see some arguments, some paths that are very well accepted in the first instance, sometimes even in the second, but what if this discussion ends up in the Supreme Federal Court or the Superior Court of Justice, will it have strength, legal basis? Yes or no? So that's the question we have to ask.

[00:11:33]So grab your paper and pen, watch this live stream from beginning to end, because this is truly powerful. The information I'm about to give you is worth more than gold.

[00:11:45]Share this as much as possible, and also subscribe here. And if you need help or assistance, of course, the phone number is right there on the screen for you. Description [music] of the video, first pinned comment.

[00:11:58]So, folks, it's necessary to follow this path here, not just asking for a discount, but understanding the financial, legal, and especially accounting logic. Folks, banks have very strong accounting incentives.

[00:12:16]Accounting incentives there will, over time, give them advantages or disadvantages. I'll give you the example of the 90 days you go without paying a debt. And the regulatory basis changes the conversation, folks.

[00:12:34]This whole foundation here changes the conversation.

[00:12:37]Why? In the past in Brazil, we had this system, and notice that what I 'm explaining to you here, I'm sure you did n't know, and many fellow lawyers don't know it either. And that's precisely why I'm teaching you this, so you understand that if you have high debts, this is one of the best paths for you, if not the best, perhaps even better than judicial reorganization itself. Of course, it needs to be analyzed.

[00:13:03]So, what is the normative basis that changed this conversation? Previously, we had an old regulation that stated that when you failed to pay the bank, it would lose money, it would be recorded as a loss, that amount could not be moved, and that lost value would only enter the market the following year. That's why everyone was saying to stop paying.

[00:13:26]And when people said "stop paying," it was like a mantra, especially among lawyers who called themselves experts in banking law.

[00:13:37]Just stop paying. But I didn't know that the reason for not paying was because there was a resolution stating that after 6 months, 180 days, there was a problem with the loss of the race.

[00:13:48]The bank did indeed lose 180 days, so this opened up a chance for negotiation at that point. Today we know that the trading window isn't just 180 days, but in this case, 90 days, pulling from a previous timeframe here. So we had a logic here, folks, just like it's on the screen for you, the loss in the race, which today is the actual race loss, but also plus the expected loss. In other words, if the customer is already with me, the bank thinks like this, okay everyone? If you're already failing to pay for some reason, experiencing instability, frequent delays, then he starts to think, if this is already happening to me, what should I do? I need to be careful here.

[00:14:35]So, I'll consider what's lost plus what I expect to lose. Therefore, we see an expected loss. And we're also moving towards addressing the issue of operational risk. What is the risk of this operation for the bank? If I let it go on any longer, will I still receive anything? I'm not going to receive it? Is there a guarantee in the transaction? It does not have. I've seen lawyers telling people with assets to stop paying for paid- off loans on those assets, people who had given collateral there.

[00:15:13]to obtain working capital.

[00:15:17]Folks, for those of you who aren't sure if you're a business owner or not, understand that as a business owner, in almost every credit transaction, if not every single one, you act as a guarantor. If you don't pay, unfortunately it will fall on you, and usually on you, usually on your wife. Your wife, who often doesn't even know the difficulties you're facing as a business owner.

[00:15:47]So, yes, it's necessary to look for these alternatives, never going into what I just said, diagnosis.

[00:15:56]What are the actual risks of the transaction for you and for the bank? And the provisioning, that is, when the bank expects to receive it.

[00:16:08]No matter how many guarantees there are, banks don't want houses, cars, boats, planes, or vehicles. They don't want that, they want the money. With money, they make much more money. And here I've even included the resolutions, look, National Monetary Council Resolution 4966, which are the accounting guidelines for financial instruments, and Central Bank of Brazil Resolution 352, which covers concepts, stages, low restructuring, and expected losses. And what I mentioned was tax incentives, right, folks? Law 14.467 of 2022, which addresses the tax treatment of losses incurred on credits. In other words, the bank recording the loss isn't a large loss; one could argue that because of the exemption there, there's the issue of profit.

[00:17:04]And we have to remember that this live stream, folks, is totally different, okay? For those of you watching this channel, please understand that today, specifically, I'm addressing the issue of debt, especially for those of you who have various debts, even if they are small or low-cost, just from payroll loans.

[00:17:22][music] Understand that on this specific day I'm bringing a new way to solve debts, which is through restructuring. This restructuring is a strategic approach to bank debt liabilities, adhering to the regulations of the Central Bank and the National Monetary Council. It might seem like a more technical thing, but it could also apply to you. In fact, this applies to any and all Brazilians who have any type of loan. Even if you didn't know this until now, you do know it from now on. And the method, folks, what should it be?

[00:17:59]From screening and gathering documents, conducting an audit, calculating provisions, addressing the issue of carryover (which many people consider a problem), preparing the cash flow, preparing the dossier, mailings—in other words, sending and returning documentation to the bank— negotiating, and if things don't go as expected, or if necessary for asset protection, proceeding to legal action.

[00:18:32]And this order here, folks, it protects the customer, it protects you, because first you understand what is being charged. First, you need to understand what your debts are. After the evidence is gathered, the cashier prepares to submit a proposal to the bank, and the process only resumes when necessary and if needed.

[00:18:56]And here, folks, before talking about discounts, we need to understand what game is being played.

[00:19:04]Many people don't see that.

[00:19:07]I'm the one who sees patients almost daily.

[00:19:11]Many people say things like, "Doctor, I'm the only one who owes money, but you're a businessman?" I am. And the CNPJ? Oh, it has the CNPJ (Brazilian tax ID). And who is the partner according to the CNPJ (Brazilian tax ID)? Me and my wife, me and my brother, me and my brother-in-law. So, who is the debtor? It's a natural person, it's a legal entity, it's a partner, it's a guarantor, it's an economic group. Guys, there's that issue too.

[00:19:35]More and more companies, same owners, common partners.

[00:19:40]And on the other hand, as I mentioned, which bank is it, which segment is it, what type of contract is it, and what guarantee is included?

[00:19:50]What is the delay time, the execution time, the blocking time? Has there been a search and seizure warrant, has this contract been terminated, and has it already been written off from the books?

[00:19:59]And many people, when trying to solve major debt problems, especially by seeking out professionals who don't have as much experience as we do, end up getting themselves into trouble. Why? They are stages, they are means, they are models, they are forms.

[00:20:15]And a collection of documents is necessary. And this collection of documents, many times you don't have it. And this is perhaps the most difficult part of the whole job. Do you believe it?

[00:20:26]The bank often refuses to give us what we ask for, what we need.

[00:20:32]So we need documents.

[00:20:34]Why? Without documentation, there is no strategy.

[00:20:38]What exists? Opinion. I think it's possible to reduce it by 10%.

[00:20:44]I think it's possible to reduce it by 20%.

[00:20:47]When in reality, folks, what we need here isn't guesswork, we need strategy.

[00:20:53]And this collection of documents, it's done through platforms, uh, formal places, like Bancocentral, consumidor.gov.br, BR, if necessary, extrajudicial notification, action for document exhibition.

[00:21:12]So, folks, what do we need?

[00:21:14]Obtain all contracts, including contract addendums. You're in debt, you're going to need this, you will.

[00:21:21]Because here, where you often put yourself at an advantage, you often realize that you've been here for years and years being deceived, being given the wrong things. And that puts you at an advantage, because when you present this to the bank, when we talk about the dossier, you'll say: "Bank, if I do this, if I go to court, you're in trouble. Look how much you've put me at a disadvantage here, you've only been winning."

[00:21:45]So you need to separate everything into contracts, addendums, statements, debt evolution, notifications, understand what the guarantees are, the registrations, the endorsement, the articles of incorporation, the balance sheets, protocols, collections, people, existing processes. Are there any lawsuits against you or not?

[00:22:06]Today, regardless of whether you have a lot or a little debt, do you know if there are any lawsuits against you, and have you renegotiated them or not?

[00:22:16]and it goes through a contractual audit. This audit is to identify what is working against the bank and protects you. Folks, notice that resolving debts, even though many people say the strategy is super easy, I'm sure that if you're a fellow lawyer and you see this, you'll follow it in your office.

[00:22:40]I'm sure that if you have a lot of debt, you're going to do the same thing as in that meme, right? His head blew, and he exclaimed, "My God, I didn't know I needed all this!" You only need all of this if you want to solve the problem strategically, without amateurism.

[00:23:02]And this audit will identify precisely what weighs against the bank and favors you, what the effective rate is, the total effective cost, the charges, what capitalization is involved, is there insurance, are there fees, is there tied selling, are there visas, is there non-compliance with offers, are there negotiations that increased the balance, included guarantees during a crisis.

[00:23:23]And we're going to get to a point here that many people certainly don't know about: provisioning.

[00:23:28]The higher the risk, the greater the accounting pressure on the operation.

[00:23:36]So, it's necessary to analyze these credits, in this case these debts, classifying the types, the guarantees, the portfolio stage, current losses, anticipated losses, monthly review, and take this accounting and observe it as a negotiation opportunity. But, Dr. Rafael, I wouldn't be able to do that here. [laughter] That's precisely why, folks, many wise people with a lot of debt who truly want a solution, seek out firms with the structure, specialization, and knowledge like ours here.

[00:24:18]You are currently heavily in debt and want to understand if your situation fits our work methodology. Our contact information is in that corner over there. I'm even going to change the camera here, okay, guys? Here it is, video description and first pinned comment. What I'm asking of you, since this content is truly valuable, is to share it, share it, share it. And if you're looking to resolve your debts strategically, this is the best option. So now we're going to talk about the issue of defaults, stages, and delays exceeding 90 days that alter the recovery reading.

[00:24:59]So, stage one doesn't increase the risk of that operation. Stage two presents a significant risk, and stage three already indicates an asset with credit recovery problems, which is what we call a problematic asset. Drag, folks, this issue here, it can be understood as both a problem and a strategy.

[00:25:23]Why? When you, you probably didn't know this here. Guys, I'm telling you a lot of things, really opening the Pandora's box of the banks and the national financial system. I think it's great that you're sharing and liking this, and if you want more content like this, subscribe here. If you are in debt, contact our customer service so we can analyze the situation.

[00:25:43]If you have several transactions to make within the bank, that's OK. But when you have four transactions and only one is wrong, overdue, expired, or in default, let's put it that way to make it easier to understand.

[00:25:56]These four here are starting to receive the same treatment as this one.

[00:26:02]So, if you leave one payment overdue, one contract overdue, and you have four more, those four are all piled up together there. Therefore, a problematic operation can impact others within the same institution, it can alter the risk, the stage, the provisions, and should only be used with individual analysis and damage control.

[00:26:26]Provisioning, understand that it's the bank holding money for the risk you're presenting to it, the risk you've already taken, the problem you've already caused, the default on payments, or money you've already failed to pay, but which it no longer expects to receive. So, folks, even within these resolutions I'm discussing here, he has all these percentage rules.

[00:26:55]And the dossier, folks, what exactly is a dossier?

[00:26:58]Who here knows what a dossier is?

[00:27:00]Folks, a dossier is simply a file containing all the information that may or may not benefit you.

[00:27:09]And the dossier, in fact, it will contain the client's financial history. It says down here that negotiation should be done without amateurism. Negotiating without a dossier is amateurish.

[00:27:23]Why is this happening, people? Let's go. Come with me.

[00:27:28]Regardless of the debts you have, regardless of the debts you possess, many things must have happened to you to have the debts you have today, right?

[00:27:41]A lot of water has flowed under that bridge. I'm sure of it.

[00:27:47]A lot of water has flowed under that bridge.

[00:27:50]It could be a child who got sick, a wife who got sick, a close relative who might have had an accident, it could be misfortunes, it could be problems in society, it could be people there who, unfortunately, acted against you. I'm saying this because I'm a businessman, I have my law firm, and other things too, but I've been through this before, I've had problems with partners, I've had financial situations with family.

[00:28:23]So, folks, what's your story today? And she judges, she judges.

[00:28:29]And you don't need to look into your financial history. What happened to make you arrive at this point? Because, folks, the bank itself, the bank managers, they handle credit defense, they handle the defense of operations.

[00:28:48]So, in order to make a defense, he needs to tell a story. And within that dossier, we told the bank this story, recounting the financial history, showing the entire map of these contracts, all the incidents that occurred, how each stage unfolded, what the real risks are, and what the actual capacity of the proposal is. And this proposal, it has a deadline, right? It's conditional.

[00:29:17]And the models, you know, folks, for all of this are all about passing through packages. "Malote" simply means sending and receiving information. If you're older, you've definitely heard of this. I used to work at a university here in Umberaba. I worked at that university for a while, which is also the university I graduated from, and there we had mailbags, meaning I would write down who I wanted to send a document or information to, then the mailbag guy would come by, pick up the mailbag, and take it to the department I had requested.

[00:29:57]So, the mailbag is the sending and receiving of information, that is, the sending and receiving of documents. This formal request, along with the proposal, the counter-proposal, the registration— all of this is part of the formal communication.

[00:30:12]What is its purpose, folks? To prove that you are, as always, acting in good faith and wanting to resolve the issue.

[00:30:19]And she starts creating this trail, she starts organizing the thesis, she starts guiding the conversation.

[00:30:26]Because often when we go to court, many banks say things like, "You didn't try to resolve it out of court, so it 's often a lie," of course, right? But that's what they say.

[00:30:40]So this communication strengthens the message by showing that you, the business owner, you, the debtor, you, the public servant, do want to solve this.

[00:30:51]And he can make those requests as long as he has that proof, right? through the consumer ombudsman's office (ouvidoriaconsumidor.gov), institutional email, advisory services, and legal departments of banks. Since we deal with several banks here, thank God, we have direct access to various legal departments, and for each transaction, they need to generate proof of payment. And every time you send something and the bank doesn't respond, what's the point? to prove that you were right.

[00:31:21]And most importantly, you won't be able to use this powerful way to solve your debts today if you don't prepare a cash reserve.

[00:31:33]How many, many, many times were there wonderful deals offered, and the person didn't save the necessary money?

[00:31:43]So, how do we do this? You look so grumpy, don't you?

[00:31:47]Therefore, it is necessary to prepare a cash register. If you currently have debts and truly want to be debt-free, understand that you will need to take action.

[00:31:57]Taking action means putting your own money into your own pocket to pay good professionals. Acting by putting your hand in your pocket to put money away.

[00:32:06]Seriously, folks, a discount without cash is just frustrating. And sometimes there will come a time when a good [musical] deal comes along, you missed it, and that deal never comes back.

[00:32:19]So, we calculate, and it's necessary to calculate according to this methodology I'm telling you about, to solve serious debt problems. And if you know people with serious debt problems, share this live stream.

[00:32:31]You need to calculate how many clients, how many you can book without going bankrupt again. The goal is to get you healthy again, define a target value, a timeframe for accumulating that capital, sources of liquidity, all the associated costs, fees, and legal representation. So, it's all planned.

[00:32:55]And this proposal, folks, it needs to be structured.

[00:32:58]No Maduro-esque proposals.

[00:33:01]People often say things like, "You open Instagram profiles of legal advisors, fellow lawyers, and I'll reduce your debt by up to 95.92%."

[00:33:12]I can reduce your debt by up to 90%, I can pay off 90% of your debts. Do they know all this that I'm explaining here? That 's unlikely, right, folks? And the proposal, yes, it needs to be structured. For those of you who are just joining us, in this live stream we're talking a little bit about, perhaps atypically for those of you who follow me daily, a new way to resolve debts, which is a possibility according to the strategic restructuring model, using the Central Bank's regulations, mainly 4966 and 352.

[00:33:51]So this proposal needs to be structured. This proposal needs to be technical.

[00:33:58]executable objective. It needs to have a value, a payment method, an expiration date, proof of payment, and whether any restrictions will be lifted. Guys, how many of you have already made deals with the bank and can't even get financing for a single piece of candy, a single one?

[00:34:20]Why do you think this happens? Were all your debts actually cleared?

[00:34:27]Ah, Dr. Nis, about that bank, I've heard of it and it's true, you can't get anything done at that bank anymore.

[00:34:33]But why are n't you getting anything from other banks either? Why could that be? Could it be because there are things marked there at the Central Bank?

[00:34:45]So also, folks, it's important, it's important here when you make an agreement, to know whether or not you are giving up on certain actions.

[00:34:56]I'm releasing this guarantee, I'm giving you a term of dedication. Folks, negotiating debts isn't as simple and easy as you might imagine. Negotiating large, substantial debts isn't as simple and easy as you think. It's not as simple and easy as a little video on Instagram sometimes makes it seem like it will solve your problem. Look how much time we have left on this live stream for me to explain so many things to you. I still have things to explain to you here.

[00:35:23]So we also need to understand what the alternatives are. Will it be the view? It's a short down payment, it's controlled installments, it's a partial settlement. Keep in mind that cash offers are usually much more advantageous and much easier to achieve.

[00:35:43]And at a negotiating table, it's necessary to understand this: the legal, financial, and strategic limits. In other words, a good agreement is one that you can fulfill without worsening your client's position. How many times have many of you made agreements and failed to keep them? Has this ever happened to you? Leave a comment below, yes or no? How many of you have already made agreements, paid the first installment, but couldn't pay the second, the third, and so on? And then there was the debt, which was this much, okay?

[00:36:17]This: 10,000 became 100,000, 100,000 became 1 million.

[00:36:23]And as for extrajudicial strategies, I mentioned them at the beginning, and I'll repeat them here— nothing against fellow lawyers who already see the justice system as the only and primary way to resolve situations.

[00:36:39]We learn this in college.

[00:36:42]Even though I graduated and completed the CPC in 2015, it had only been a few years since I graduated, and since the CPC in 2015, wow, I'm old, [laughs] I've been graduated for almost 40 years, that's a long time. So, folks, when I graduated, we were still dealing with this issue of the old CPC versus the new CPC. So much so that we often included it in the proceedings according to the new Code of Civil Procedure, according to N CPC/15.

[00:37:15]So, we learned there that we have to try to negotiate, seek a solution, a compromise, an agreement before resorting to litigation. But nobody taught this complete method here. And this complete method, thank God, I learned a long time ago. I've been keeping myself updated more and more, and thankfully, I recently had an excellent teacher who brought me even more of this information.

[00:37:40]So, folks, extrajudicial strategies.

[00:37:44]So yes, we need to conduct audits, notify the bank, send requests there, receive them here, file complaints, make technical proposals, and negotiate with specialized advisors from the banks, the specialized areas within the banks.

[00:38:01]Sometimes you're sending a settlement proposal to the wrong department, and that's why it doesn't go through. It needs to reach the person who has the authority to resolve it. And most importantly, if you 're in debt, protect your money, your cash flow, and reorganize your business or, especially, your family income, if you're a highly indebted person, not a business owner, perhaps a public servant. Perhaps you are a doctor, a dentist, or maybe even a magistrate, a judge, or a prosecutor within the justice system.

[00:38:37]I recently met with a police officer at my office. So, folks, yes, we have indebted people in all spheres of Brazil. Out of every 10 people, eight in Brazil are recently indebted. A judge, even in a case, said he wasn't qualified to judge it.

[00:38:56]He said, "Look, I can't judge this because I've already had problems with this bank. This bank, in quotes, screwed me over," [laughs]. And that's normal, unfortunately.

[00:39:07]And the judicial process is the last resort.

[00:39:12]As I mentioned, the legal process should be a strategic tool, not an automatic reflex. Yes, that's it, that's it, that's it, folks. No, let's think about the law differently.

[00:39:28]And the judicial process can protect you against executions, against blockages, against search and seizure of assets, of values, undue discounts. It can serve as leverage when negotiations stall.

[00:39:44]Sometimes the bank stalls negotiations, and you can get a court order for the amount you believe is due to be paid within the court system. And there's the issue that judicial measures usually force 100% of the provisioning, or So, let's say you owe 100,000, the bank has to keep that 100,000. If the bank doesn't want to negotiate and you file a lawsuit, you can force the bank to not only lose the 100,000 it's already losing because you did n't pay, but also keep another 100,000. Do you understand this?

[00:40:21]And the legal process, after you go through all of this, you present it as a very strong means, robust evidence, a sound argument, a clear negotiation objective, and the complete flow of action.

[00:40:38]What do you need? If you really want to resolve your debts, follow these steps, don't skip any, because the strength lies in the sequence.

[00:40:52]Skipping steps increases your risk and reduces your negotiating margin. So, first point: analyze, document, audit, provision, that is, you save money and see how much the bank has already provisioned, prepare the cash flow, prepare the dossier with everything. So, you propose an agreement, and in the end, you continue negotiating, close the deal, or go to court. So you need to understand, folks, that this negotiation model—this strategic restructuring of debts, of bank liabilities, using the Central Bank's regulations—is highly powerful.

[00:41:35]Is it simple? No, it's not easy either. Is it effective and efficient? Yes, it is.

[00:41:46]So, if you have bank debts of any value today— low, medium, and high values— we have clients here with debts exceeding R$1 million, even R$2 million.

[00:42:02]So, if you have bank debts today of any value, understand that this method is one of the ways, or perhaps the only way, or the best and most effective way today, to resolve your debts. And here I wanted to show you, opening the black box even further, what happens behind a debt? How is the bank looking at you, how is it perceiving you? And if you understand all these points, you can be sure that good results will happen, and can happen. Dr. Rafael, I already think that's a lot. I'm with "There are a lot of debts here, yes. I want to understand what can be done. What can I ask of you? So, look at the screen right now.

[00:42:52]My phone number is in this corner. Save it, save this number, and come talk to me. Call customer service and say: 'Look, I saw a live stream by Dr. Rafael, where he was teaching how to resolve debts using the Central Bank's resolutions.'" Please analyze for me what my situation is. So you can contact customer service through the link in the video description, in the first pinned comment; you'll also find all my contact information there. In the live chat, if you're watching live with me, there's a link you can click to talk to me here as well.

[00:43:26]Video description, first pinned comment, then all my contacts, first pinned comment below, and my phone number here on the screen in this corner. You save this, call me on WhatsApp and say: "I have debts of R$50,000, R$ 100,000, R$200,000. I want to understand what can be done." Remember, for debts above R$100,000, or even R$1,000, you usually have consultations with me. For debts below that amount, you typically consult with the lawyers who work for me, with my team of specialists. Nothing prevents you from consulting with me if you want, you can too. The only detail, okay everyone?

[00:44:06]My schedule is usually two months ahead. So if you schedule today, you'll sometimes have to wait two months for me to see you.

[00:44:15]Depending on the case, I might fit you in, depending on the urgency, the need, I might cancel one here, adjust there, and I can still see you. May God bless you.

[00:44:25]Click on the links in the description, the first pinned comment. Come talk to me now. Understand that yes, any debt can be... Negotiated, resolved, and the main goal is to restructure, not renegotiate. The objective is to provide a concrete, technical, practical, and above all, strategic solution to eliminate all your debts. May God greatly bless you. Click on the links in the description, the first pinned comment, and come talk to me.