{"id":231739,"date":"2025-10-31T14:52:39","date_gmt":"2025-10-31T17:52:39","guid":{"rendered":"https:\/\/meutudo.com.br\/blog\/?post_type=web-story&#038;p=231739"},"modified":"2025-10-31T14:52:44","modified_gmt":"2025-10-31T17:52:44","slug":"novembro-mutirao-negociacao-dividas-como-participar","status":"publish","type":"web-story","link":"https:\/\/meutudo.com.br\/blog\/web-stories\/novembro-mutirao-negociacao-dividas-como-participar\/","title":{"rendered":"Novembro ter\u00e1 mutir\u00e3o para negocia\u00e7\u00e3o de d\u00edvidas: como participar?"},"content":{"rendered":"<p><html amp=\"\" lang=\"en\"><head><meta charSet=\"utf-8\"\/><meta name=\"viewport\" content=\"width=device-width,minimum-scale=1,initial-scale=1\"\/><script async=\"\" src=\"https:\/\/cdn.ampproject.org\/v0.js\"><\/script><script async=\"\" src=\"https:\/\/cdn.ampproject.org\/v0\/amp-story-1.0.js\" custom-element=\"amp-story\"><\/script><link 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0;font-family:&quot;Nunito Sans&quot;,sans-serif;font-size:0.226537em;line-height:1.2;text-align:left;padding:0;color:#000000\"><span><span style=\"font-weight: 700; color: #fff\">01\/10\/2025 <\/span><span style=\"font-weight: 500; color: #fff\">&#8211; meutudo.<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:12.13592%;top:0;width:18.68932%;height:7.28155%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-0c262005-ec7f-423b-a281-997db2be4700\">\n<div style=\"position:absolute;width:100%;height:101.76216%;left:0%;top:-0.88108%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2022\/09\/logopng7.preto_.png\" alt=\"logopng7.preto\" srcSet=\"https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2022\/09\/logopng7.preto_.png 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768w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/10\/novembro-mutirao-negociacao-dividas-como-participar-3-731x1024.jpg 731w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/10\/novembro-mutirao-negociacao-dividas-como-participar-3-214x300.jpg 214w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/10\/novembro-mutirao-negociacao-dividas-como-participar-3-150x210.jpg 150w\" sizes=\"(min-width: 1024px) 45vh, 100vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<div class=\"page-background-overlay-area\" style=\"background:transparent\"><\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:5.58252%;top:43.85113%;width:91.26214%;height:56.14887%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:10.638297872340425% 10.638297872340425% 10.638297872340425% 10.638297872340425% \/ 11.527377521613833% 11.527377521613833% 11.527377521613833% 11.527377521613833%\" class=\"mask\" id=\"el-95750e11-24ee-4700-940e-5c2532975981\">\n<div class=\"fill\" style=\"background-color:rgba(236,236,236,0.9);will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:11.65049%;top:46.76375%;width:63.83495%;height:50.32362%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.7604562737642585% 0.7604562737642585% 0.7604562737642585% 0.7604562737642585% \/ 0.6430868167202572% 0.6430868167202572% 0.6430868167202572% 0.6430868167202572%\" id=\"el-f69dbe2e-a80d-429f-bc26-99f1f4684adb\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.07224334600760504% 0;font-family:&quot;Nunito Sans&quot;,sans-serif;font-size:0.323625em;line-height:1.2;text-align:left;padding:0;color:#000000\"><span><span style=\"font-weight: 500\">O cen\u00e1rio atual de inadimpl\u00eancia no Brasil \u00e9 preocupante, com <\/span><span style=\"font-weight: 700\">mais de 78 milh\u00f5es de brasileiros inadimplentes.<\/span><span style=\"font-weight: 500\"><\/p>\n<p>Em <\/span><span style=\"font-weight: 700\">novembro<\/span><span style=\"font-weight: 500\">, surge a oportunidade de <\/span><span style=\"font-weight: 700\">renegocia\u00e7\u00e3o de d\u00edvidas<\/span><span style=\"font-weight: 500\">, buscando reverter essa situa\u00e7\u00e3o e promover sa\u00fade financeira para quem tem d\u00e9bitos pendentes.<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"b8d341a8-c39a-4287-b916-248cdbd55322\" auto-advance-after=\"15s\"><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#c0b2a4\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-07f5e9c6-85b6-4320-b6cf-768216475f35\">\n<div style=\"position:absolute;width:127.01389%;height:100%;left:-16.8671%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/10\/novembro-mutirao-negociacao-dividas-como-participar-4-scaled.jpg\" alt=\"Mulher acessando o portal da Semana Nacional da Concilia\u00e7\u00e3o para entender como renegociar d\u00edvidas.\" srcSet=\"https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/10\/novembro-mutirao-negociacao-dividas-como-participar-4-scaled.jpg 1829w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/10\/novembro-mutirao-negociacao-dividas-como-participar-4-1463x2048.jpg 1463w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/10\/novembro-mutirao-negociacao-dividas-como-participar-4-1097x1536.jpg 1097w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/10\/novembro-mutirao-negociacao-dividas-como-participar-4-768x1075.jpg 768w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/10\/novembro-mutirao-negociacao-dividas-como-participar-4-731x1024.jpg 731w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/10\/novembro-mutirao-negociacao-dividas-como-participar-4-214x300.jpg 214w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/10\/novembro-mutirao-negociacao-dividas-como-participar-4-150x210.jpg 150w\" sizes=\"(min-width: 1024px) 45vh, 100vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<div class=\"page-background-overlay-area\" style=\"background:transparent\"><\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:5.58252%;top:40.93851%;width:91.26214%;height:58.89968%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:10.638297872340425% 10.638297872340425% 10.638297872340425% 10.638297872340425% \/ 10.989010989010989% 10.989010989010989% 10.989010989010989% 10.989010989010989%\" class=\"mask\" id=\"el-95feefba-4792-42d8-80c1-eec5a367c8a4\">\n<div class=\"fill\" style=\"background-color:rgba(236,236,236,0.9);will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:11.65049%;top:43.20388%;width:63.83495%;height:54.36893%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.7604562737642585% 0.7604562737642585% 0.7604562737642585% 0.7604562737642585% \/ 0.5952380952380952% 0.5952380952380952% 0.5952380952380952% 0.5952380952380952%\" id=\"el-29c07304-c58c-4281-a9d6-f204fe354722\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.07224334600760504% 0;font-family:&quot;Nunito Sans&quot;,sans-serif;font-size:0.323625em;line-height:1.2;text-align:left;padding:0;color:#000000\"><span>Neste cen\u00e1rio, surge a <span style=\"font-weight: 700\">Semana Nacional da Concilia\u00e7\u00e3o<\/span>, promovida pelo Conselho Nacional de Justi\u00e7a (CNJ), e o Mutir\u00e3o de Renegocia\u00e7\u00e3o de D\u00edvidas.<\/p>\n<p>A a\u00e7\u00e3o \u00e9 liderada pela Federa\u00e7\u00e3o Brasileira de Bancos (Febraban), com apoio do Banco Central, Senacon e Procons. Quer saber <span style=\"font-weight: 700\">como sair do vermelho em 2025?<\/span> Confira!<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"205667f3-8cbb-4879-bc8a-8dcc34720894\" auto-advance-after=\"15s\"><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#463b33\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-7adb0739-d44e-4934-bec7-91d4f4342b2f\">\n<div style=\"position:absolute;width:127.01389%;height:100%;left:-13.50695%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/10\/novembro-mutirao-negociacao-dividas-como-participar-5-scaled.jpg\" alt=\"Cidad\u00e3 sendo atendido por conciliador durante a Semana Nacional da Concilia\u00e7\u00e3o.\" srcSet=\"https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/10\/novembro-mutirao-negociacao-dividas-como-participar-5-scaled.jpg 1829w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/10\/novembro-mutirao-negociacao-dividas-como-participar-5-1463x2048.jpg 1463w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/10\/novembro-mutirao-negociacao-dividas-como-participar-5-1097x1536.jpg 1097w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/10\/novembro-mutirao-negociacao-dividas-como-participar-5-768x1075.jpg 768w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/10\/novembro-mutirao-negociacao-dividas-como-participar-5-731x1024.jpg 731w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/10\/novembro-mutirao-negociacao-dividas-como-participar-5-214x300.jpg 214w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/10\/novembro-mutirao-negociacao-dividas-como-participar-5-150x210.jpg 150w\" sizes=\"(min-width: 1024px) 45vh, 100vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<div class=\"page-background-overlay-area\" style=\"background:transparent\"><\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:5.58252%;top:55.50162%;width:91.01942%;height:39.64401%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:10.666666666666668% 10.666666666666668% 10.666666666666668% 10.666666666666668% \/ 16.3265306122449% 16.3265306122449% 16.3265306122449% 16.3265306122449%\" class=\"mask\" id=\"el-57674232-eeef-4bdf-a230-692cbfab868d\">\n<div class=\"fill\" style=\"background-color:rgba(236,236,236,0.9);will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:11.65049%;top:59.70874%;width:57.76699%;height:31.06796%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.8403361344537815% 0.8403361344537815% 0.8403361344537815% 0.8403361344537815% \/ 1.0416666666666665% 1.0416666666666665% 1.0416666666666665% 1.0416666666666665%\" id=\"el-f81d4647-36b7-4973-a77c-5dc6aaea98e0\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.07983193277310978% 0;font-family:&quot;Nunito Sans&quot;,sans-serif;font-size:0.323625em;line-height:1.2;text-align:left;padding:0;color:#000000\"><span><span style=\"font-weight: 500\">Entre os dias 3 e 7 de novembro, ocorre a Semana Nacional da Concilia\u00e7\u00e3o, que permite a negocia\u00e7\u00e3o de d\u00edvidas, com<\/span><span style=\"font-weight: 700\"> foco em casos que tramitam na justi\u00e7a com chance de acordo.<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"c25e6936-062f-43b6-86b2-e96050e9b4b4\" auto-advance-after=\"15s\"><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#b4b2af\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-9865ca13-dab7-4e30-85ee-6fdadd2ddca7\">\n<div style=\"position:absolute;width:127.01389%;height:100%;left:-0.20043%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/10\/novembro-mutirao-negociacao-dividas-como-participar-6-scaled.jpg\" alt=\"Consumidora recebendo ajuda de conciliadora para renegociar d\u00edvida antes de processo judicial.\" srcSet=\"https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/10\/novembro-mutirao-negociacao-dividas-como-participar-6-scaled.jpg 1829w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/10\/novembro-mutirao-negociacao-dividas-como-participar-6-1463x2048.jpg 1463w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/10\/novembro-mutirao-negociacao-dividas-como-participar-6-1097x1536.jpg 1097w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/10\/novembro-mutirao-negociacao-dividas-como-participar-6-768x1075.jpg 768w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/10\/novembro-mutirao-negociacao-dividas-como-participar-6-731x1024.jpg 731w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/10\/novembro-mutirao-negociacao-dividas-como-participar-6-214x300.jpg 214w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/10\/novembro-mutirao-negociacao-dividas-como-participar-6-150x210.jpg 150w\" sizes=\"(min-width: 1024px) 45vh, 100vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<div class=\"page-background-overlay-area\" style=\"background:transparent\"><\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:4.61165%;top:52.589%;width:91.26214%;height:50%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:10.638297872340425% 10.638297872340425% 10.638297872340425% 10.638297872340425% \/ 12.944983818770226% 12.944983818770226% 12.944983818770226% 12.944983818770226%\" class=\"mask\" id=\"el-e52548ef-4eff-4ee6-83ae-6aa025a2ae84\">\n<div class=\"fill\" style=\"background-color:rgba(236,236,236,0.9);will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:11.65049%;top:56.14887%;width:65.29126%;height:42.71845%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.7434944237918215% 0.7434944237918215% 0.7434944237918215% 0.7434944237918215% \/ 0.7575757575757576% 0.7575757575757576% 0.7575757575757576% 0.7575757575757576%\" id=\"el-72c1f257-0a06-4fde-b5be-36784d5baab1\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.07063197026022353% 0;font-family:&quot;Nunito Sans&quot;,sans-serif;font-size:0.323625em;line-height:1.2;text-align:left;padding:0;color:#000000\"><span>Durante a a\u00e7\u00e3o, tamb\u00e9m ser\u00e1 poss\u00edvel fazer <span style=\"font-weight: 700\">concilia\u00e7\u00f5es pr\u00e9-processuais<\/span>, ou seja, aquelas que ocorrem<span style=\"font-weight: 700\"> antes da abertura de uma a\u00e7\u00e3o judicial.<\/span><\/p>\n<p>No per\u00edodo, ser\u00e1 poss\u00edvel contar com a ajuda de conciliadores ou mediadores previamente cadastrados.<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"44d6bb26-8e45-4ac5-8a85-1f94a8e61eaa\" auto-advance-after=\"15s\"><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#302829\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-9d29a1e1-41dd-4ac1-b5fb-e0afefb030d8\">\n<div style=\"position:absolute;width:127.01389%;height:100%;left:-19.31808%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/10\/novembro-mutirao-negociacao-dividas-como-participar-7-scaled.jpg\" alt=\"Cliente consultando condi\u00e7\u00f5es de renegocia\u00e7\u00e3o de d\u00edvidas banc\u00e1rias pelo aplicativo do banco.\" srcSet=\"https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/10\/novembro-mutirao-negociacao-dividas-como-participar-7-scaled.jpg 1829w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/10\/novembro-mutirao-negociacao-dividas-como-participar-7-1463x2048.jpg 1463w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/10\/novembro-mutirao-negociacao-dividas-como-participar-7-1097x1536.jpg 1097w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/10\/novembro-mutirao-negociacao-dividas-como-participar-7-768x1075.jpg 768w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/10\/novembro-mutirao-negociacao-dividas-como-participar-7-731x1024.jpg 731w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/10\/novembro-mutirao-negociacao-dividas-como-participar-7-214x300.jpg 214w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/10\/novembro-mutirao-negociacao-dividas-como-participar-7-150x210.jpg 150w\" sizes=\"(min-width: 1024px) 45vh, 100vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<div class=\"page-background-overlay-area\" style=\"background:transparent\"><\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:4.61165%;top:42.88026%;width:91.26214%;height:57.11974%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:10.638297872340425% 10.638297872340425% 10.638297872340425% 10.638297872340425% \/ 11.3314447592068% 11.3314447592068% 11.3314447592068% 11.3314447592068%\" class=\"mask\" id=\"el-f62ed724-3b8d-4338-b4c6-b61378591ec4\">\n<div class=\"fill\" style=\"background-color:rgba(236,236,236,0.9);will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:11.65049%;top:46.27832%;width:62.13592%;height:50.32362%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.78125% 0.78125% 0.78125% 0.78125% \/ 0.6430868167202572% 0.6430868167202572% 0.6430868167202572% 0.6430868167202572%\" id=\"el-2ae231f8-b1b1-4ce8-979a-89a92d269dcb\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.0742187500000005% 0;font-family:&quot;Nunito Sans&quot;,sans-serif;font-size:0.323625em;line-height:1.2;text-align:left;padding:0;color:#000000\"><span>A Febraban tamb\u00e9m dar\u00e1 in\u00edcio ao <span style=\"font-weight: 700\">mutir\u00e3o de renegocia\u00e7\u00e3o de d\u00edvidas banc\u00e1rias<\/span>, no s\u00e1bado, dia <span style=\"font-weight: 700\">1\u00ba de novembro<\/span> de 2025.<\/p>\n<p>Mais de<span style=\"font-weight: 700\"> 160 institui\u00e7\u00f5es financeiras<\/span> v\u00e3o participar, oferecendo <span style=\"font-weight: 700\">condi\u00e7\u00f5es especiais para renegociar d\u00edvidas <\/span>de cart\u00e3o de cr\u00e9dito, cheque especial e empr\u00e9stimos.<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"097694d3-3ac5-4a73-b19d-ee030f076cbf\" auto-advance-after=\"15s\"><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#1f1411\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-7eb42303-02e0-456a-9c76-7ef14cb58711\">\n<div style=\"position:absolute;width:127.01389%;height:100%;left:-19.3893%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/10\/novembro-mutirao-negociacao-dividas-como-participar-8-scaled.jpg\" alt=\"Consumidor acessando o Portal do Consumidor com conta gov.br para renegociar d\u00edvidas online.\" srcSet=\"https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/10\/novembro-mutirao-negociacao-dividas-como-participar-8-scaled.jpg 1829w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/10\/novembro-mutirao-negociacao-dividas-como-participar-8-1463x2048.jpg 1463w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/10\/novembro-mutirao-negociacao-dividas-como-participar-8-1097x1536.jpg 1097w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/10\/novembro-mutirao-negociacao-dividas-como-participar-8-768x1075.jpg 768w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/10\/novembro-mutirao-negociacao-dividas-como-participar-8-731x1024.jpg 731w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/10\/novembro-mutirao-negociacao-dividas-como-participar-8-214x300.jpg 214w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/10\/novembro-mutirao-negociacao-dividas-como-participar-8-150x210.jpg 150w\" sizes=\"(min-width: 1024px) 45vh, 100vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<div class=\"page-background-overlay-area\" style=\"background:transparent\"><\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:5.58252%;top:55.50162%;width:91.01942%;height:39.64401%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:10.666666666666668% 10.666666666666668% 10.666666666666668% 10.666666666666668% \/ 16.3265306122449% 16.3265306122449% 16.3265306122449% 16.3265306122449%\" class=\"mask\" id=\"el-21e54d86-017f-4102-ad56-e6d45155d447\">\n<div class=\"fill\" style=\"background-color:rgba(236,236,236,0.9);will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:11.65049%;top:61.8123%;width:61.65049%;height:27.18447%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.7874015748031495% 0.7874015748031495% 0.7874015748031495% 0.7874015748031495% \/ 1.1904761904761905% 1.1904761904761905% 1.1904761904761905% 1.1904761904761905%\" id=\"el-dc196f6e-12a2-4e9f-ab16-8e48386638bf\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.07480314960629972% 0;font-family:&quot;Nunito Sans&quot;,sans-serif;font-size:0.323625em;line-height:1.2;text-align:left;padding:0;color:#000000\"><span><span style=\"font-weight: 500\">Todas as negocia\u00e7\u00f5es poder\u00e3o ser feitas atrav\u00e9s dos <\/span><span style=\"font-weight: 700\">canais oficiais dos bancos <\/span><span style=\"font-weight: 500\">ou pelo <\/span><span style=\"font-weight: 700\">Portal do Consumidor<\/span><span style=\"font-weight: 500\">, usando os dados da <\/span><span style=\"font-weight: 700\">conta gov.br com n\u00edvel prata ou ouro.<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"5684d42b-52fc-4f54-b7da-ca896b13776e\" auto-advance-after=\"15s\"><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#867665\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-10b8943e-f472-4a8a-b234-2bdfe31ba796\">\n<div style=\"position:absolute;width:127.01389%;height:100%;left:-13.50695%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/10\/novembro-mutirao-negociacao-dividas-como-participar-9-scaled.jpg\" alt=\"Mulher avaliando sua capacidade de pagamento antes de renegociar as d\u00edvidas.\" srcSet=\"https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/10\/novembro-mutirao-negociacao-dividas-como-participar-9-scaled.jpg 1829w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/10\/novembro-mutirao-negociacao-dividas-como-participar-9-1463x2048.jpg 1463w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/10\/novembro-mutirao-negociacao-dividas-como-participar-9-1097x1536.jpg 1097w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/10\/novembro-mutirao-negociacao-dividas-como-participar-9-768x1075.jpg 768w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/10\/novembro-mutirao-negociacao-dividas-como-participar-9-731x1024.jpg 731w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/10\/novembro-mutirao-negociacao-dividas-como-participar-9-214x300.jpg 214w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/10\/novembro-mutirao-negociacao-dividas-como-participar-9-150x210.jpg 150w\" sizes=\"(min-width: 1024px) 45vh, 100vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<div class=\"page-background-overlay-area\" style=\"background:transparent\"><\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:5.58252%;top:55.50162%;width:91.01942%;height:39.64401%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:10.666666666666668% 10.666666666666668% 10.666666666666668% 10.666666666666668% \/ 16.3265306122449% 16.3265306122449% 16.3265306122449% 16.3265306122449%\" class=\"mask\" id=\"el-67497a47-a6a1-4fdd-928b-8ebe08dd17b5\">\n<div class=\"fill\" style=\"background-color:rgba(236,236,236,0.9);will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:11.65049%;top:61.8123%;width:57.76699%;height:27.18447%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.8403361344537815% 0.8403361344537815% 0.8403361344537815% 0.8403361344537815% \/ 1.1904761904761905% 1.1904761904761905% 1.1904761904761905% 1.1904761904761905%\" id=\"el-71d12c1d-5845-4757-a8fc-bb6f27946044\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.07983193277310978% 0;font-family:&quot;Nunito Sans&quot;,sans-serif;font-size:0.323625em;line-height:1.2;text-align:left;padding:0;color:#000000\"><span><span style=\"font-weight: 500\">Recomenda-se que o consumidor tenha em m\u00e3os os <\/span><span style=\"font-weight: 700\">dados da d\u00edvida<\/span><span style=\"font-weight: 500\">, e <\/span><span style=\"font-weight: 700\">avalie com cautela suas condi\u00e7\u00f5es de pagamento <\/span><span style=\"font-weight: 500\">na renegocia\u00e7\u00e3o, para evitar nova inadimpl\u00eancia.<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"38fc7752-9ef3-44dc-ae6b-0b9127ce5fd5\" auto-advance-after=\"15s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-8176b26c-bf69-4c45-bfc5-67a0a580a617 [data-leaf-element=\\\"true\\\"]\",\"keyframes\":{\"transform\":[\"translate(24.599274442667635%, 0%) scale(1.5)\",\"translate(0%, 0%) scale(1)\"]},\"delay\":0,\"duration\":2000,\"easing\":\"cubic-bezier(.3,0,.55,1)\",\"fill\":\"forwards\"}]<\/script><\/amp-story-animation><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#cbc0c2\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div id=\"anim-8176b26c-bf69-4c45-bfc5-67a0a580a617\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-58587a33-0584-477b-8fd5-1f2db33dbb96\">\n<div style=\"position:absolute;width:127.01389%;height:100%;left:-0.2165%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/10\/novembro-mutirao-negociacao-dividas-como-participar-10-scaled.jpg\" alt=\"Pessoa comemorando a renegocia\u00e7\u00e3o bem-sucedida ap\u00f3s participar do mutir\u00e3o de d\u00edvidas.\" srcSet=\"https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/10\/novembro-mutirao-negociacao-dividas-como-participar-10-scaled.jpg 1829w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/10\/novembro-mutirao-negociacao-dividas-como-participar-10-1463x2048.jpg 1463w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/10\/novembro-mutirao-negociacao-dividas-como-participar-10-1097x1536.jpg 1097w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/10\/novembro-mutirao-negociacao-dividas-como-participar-10-768x1075.jpg 768w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/10\/novembro-mutirao-negociacao-dividas-como-participar-10-731x1024.jpg 731w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/10\/novembro-mutirao-negociacao-dividas-como-participar-10-214x300.jpg 214w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/10\/novembro-mutirao-negociacao-dividas-como-participar-10-150x210.jpg 150w\" sizes=\"(min-width: 1024px) 60vh, 133vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<div class=\"element-overlay-area\" style=\"background-image:linear-gradient(0.5turn, rgba(0,0,0,0) 40%, rgba(0,0,0,0.5) 100%)\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"page-background-overlay-area\" style=\"background-image:linear-gradient(0.5turn, rgba(0,0,0,0) 40%, rgba(0,0,0,0.5) 100%)\"><\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:19.90291%;top:94.66019%;width:59.70874%;height:10.03236%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:406.50406504065046% 406.50406504065046% 406.50406504065046% 406.50406504065046% \/ 1612.9032258064517% 1612.9032258064517% 1612.9032258064517% 1612.9032258064517%\" class=\"mask\" id=\"el-620f1d45-5437-4374-8b1c-a0ff31aa0fb6\">\n<div class=\"fill\" style=\"background-color:rgba(255,23,133,0.8);will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:13.34951%;top:44.01294%;width:73.54369%;height:44.49838%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:13.2013201320132% 13.2013201320132% 13.2013201320132% 13.2013201320132% \/ 14.545454545454545% 14.545454545454545% 14.545454545454545% 14.545454545454545%\" class=\"mask\" id=\"el-cf71837c-3c3f-45b2-a943-34d83e1eea21\">\n<div class=\"fill\" style=\"background-color:rgba(236,236,236,0.9);will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:46.60194%;top:79.28803%;width:6.5534%;height:4.36893%;transform:rotate(90deg);opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-0f085572-5811-4253-9bd0-48c5962a65b1\">\n<div style=\"position:absolute;width:100%;height:100.00008%;left:0%;top:-0.00004%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2023\/06\/right-arrow-2.png\" alt=\"right-arrow (2)\" srcSet=\"https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2023\/06\/right-arrow-2.png 512w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2023\/06\/right-arrow-2-300x300.png 300w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2023\/06\/right-arrow-2-150x150.png 150w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2023\/06\/right-arrow-2-96x96.png 96w\" sizes=\"(min-width: 1024px) 3vh, 7vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:46.60194%;top:81.5534%;width:6.5534%;height:4.36893%;transform:rotate(90deg);opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-c45a7872-8263-4628-9da8-d942494f38f6\">\n<div style=\"position:absolute;width:100%;height:100.00008%;left:0%;top:-0.00004%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2023\/06\/right-arrow-2.png\" alt=\"right-arrow (2)\" srcSet=\"https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2023\/06\/right-arrow-2.png 512w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2023\/06\/right-arrow-2-300x300.png 300w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2023\/06\/right-arrow-2-150x150.png 150w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2023\/06\/right-arrow-2-96x96.png 96w\" sizes=\"(min-width: 1024px) 3vh, 7vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:21.35922%;top:50%;width:56.79612%;height:27.18447%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.8547008547008548% 0.8547008547008548% 0.8547008547008548% 0.8547008547008548% \/ 1.1904761904761905% 1.1904761904761905% 1.1904761904761905% 1.1904761904761905%\" id=\"el-041669ba-ae49-435c-899a-8b3123a2fadb\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.08119658119658174% 0;font-family:&quot;Nunito Sans&quot;,sans-serif;font-size:0.323625em;line-height:1.2;text-align:center;padding:0;color:#000000\"><span>Quer conferir <span style=\"font-weight: 700\">mais detalhes sobre o mutir\u00e3o de renegocia\u00e7\u00e3o de d\u00edvidas <\/span>e como participar? Leia a not\u00edcia a seguir, com todas as informa\u00e7\u00f5es!<span style=\"font-weight: 700\"><br \/>\n<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-page-outlink layout=\"nodisplay\" cta-image=\"https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2022\/10\/cropped-logo-preto-meutudo-6.png\"><a href=\"https:\/\/meutudo.com.br\/blog\/noticias\/2025\/10\/30\/mutirao-dos-bancos-promete-descontos-e-acordos-na-semana-da-conciliacao\/?utm_source=google&amp;utm_medium=web-stories&amp;utm_campaign=wsevergreen&amp;utm_content=novembro-mutirao-negociacao-dividas-como-participar\/\" rel=\" noopener noreferrer\" target=\"_blank\"> Saiba mais<\/a><\/amp-story-page-outlink><\/amp-story-page><\/amp-story><\/body><\/html><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Aproveite o mutir\u00e3o de renegocia\u00e7\u00e3o de d\u00edvidas em novembro e recupere sua sa\u00fade financeira! Veja como participar.<\/p>\n","protected":false},"author":3,"featured_media":231758,"template":"","meta":{"web_stories_publisher_logo":15967,"web_stories_poster":[],"web_stories_products":[],"footnotes":""},"web_story_category":[308,307],"web_story_tag":[2511,3428,3427,509,2830,383],"class_list":["post-231739","web-story","type-web-story","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Novembro ter\u00e1 mutir\u00e3o para negocia\u00e7\u00e3o de d\u00edvidas: como participar?<\/title>\n<meta name=\"description\" content=\"Aproveite o mutir\u00e3o de renegocia\u00e7\u00e3o de d\u00edvidas em novembro e recupere sua sa\u00fade financeira! 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