Clipping of news on Brazilian Culture, Law and Citizenship
09/05/2013
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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Payroll loan approved on time, extra credit for those who already have committed salary , cash on hand even for those who have a bad name . The siege consumer promises to turn any dream into reality .
Maria de Jesus , 68 years is a cleaner . Simar works from Monday to Monday . Solange is retired and homemaker . The three live in São Paulo . Do not know . But they are united by a common sentiment . The same that plagues millions of people off Brazil . The anguish of living in debt .
The old car is to sorry . But that is where the fight will Simar . The business does not always go well . Are the worst tell pay .
" It's hard , is not easy not to . If you show you my debt , until you become crazy . And will continually increasing , "says Simar Archangel Nunes .
The unraveling began long ago . Simar bought a car for sightseeing.
"It's hard . The car is worth R$ 15,000 , R$ 16,000 , R$ 17,000 maximum. 'm Paying almost R$ 70,000 . Because unfortunately had to finance . I was thinking the day I made poor business and regretted . I was there at the agency , but the seller said that it was hopeless , "says Simar .
Then she began to rebuild the house .
Globe Reporter : You did how many credit cards ?
Simar : Three . To buy stuff.
Until the accident happened .
" I fell off a ledge that I was building . I was hospitalized 17 days in the ICU was 40 days and was stopped short. Only came charging . I in bed and everyone charging . The manager helped me because I went there and asked to slightly increase the overdraft . She was increasing , poor thing , she is not guilty of doing this . She tava helping me , "says Simar .
Really? For the director of Procon , this help is a treacherous illusion .
" The people we are looking for 10 years making a new loan , a new loan , refinancing in the institution . The organization says it is helping , but she is also sinking deeper , "says Vera Remedi , Program Support superendividado - Procon / SP .
It's a real financial disaster . Start with a small debt. Is slowly forming a web of installments , interest , loans are here to meet others there . This is how Brazilian consumers reached the highest level of debt in the last 10 years. Search Trade Federation proved : the number of households with overdue accounts is the same . Debts that were increased .
"People ended up incurring debt to pay off debts . Taking loans at lower interest rates to pay off the loans more expensive , "explains Antonio Carlos Borges , executive director of Fecomérscio - SP .
Today , Simar not know how much more is due.
" Wait I 'll give it all detailed here , I know , I added everything I added in there somewhere . I have ... wait a minute , "says Simar .
It is more common than it seems. Just an unforeseen and the person loses all the organization of personal accounts .
" The majority of factors that do not depend on it . Decrease in income, unemployment , health problems , problems related death in the family , separation, divorce . Several situations in which changes ... Anyone who does not have an income reserved for some misfortune , when this misfortune comes , makes her lose control , "says Vera Remedi .
To avoid that risk , revenue is mathematics.
" You can not commit more than 30 % of their income on debt . This is sin , "says Antônio Carlos Borges .
" When he bought the car or refrigerator, he forgets to add all other debts you have ," said the reporter Isabela Assumption .
" And more. There is only 30 % . You get the 10 % of family income and set aside for contingencies . So the 40 % of income must be reserved for it, " advises the expert.
Globe Reporter : Is there any time that you can not think about it ?
Simar : I lay in bed , diabetes rises . I get up , I will take up the slab air. The way they 're going , I'm going to tell you , I'm afraid of what will happen .
"I 'm afraid of the charge. I turn thirty in order not to be charged , "said Maria de Jesus.
Fear . Everyday . 9 years ago. Maria de Jesus begins to turn when the day is dawning .
Maria de Jesus Silva : The last month and this month I worked every Sunday because I wanted to help pay for the exams of my sister.
Globe Reporter : But you 're already full of debt , how will it help ?
Maria de Jesus : But my sister 're worse than me.
The cleaning lady is mired in the accounts. Adding what wins making clean , with a small pension , does not give enough to cover the arrears . To live , then do not even talk .
" Food I do on the card . Here comes the ticket , I paid. Finish paying and make the card again. I mean you never have the money to go there, made the purchase and paid . I made the purchase , but the next month will drop the ticket . I to eating something that is not mine, I 'll pay you next month , "said Maria de Jesus.
It all started with a dream . And a payroll loan of £ 9000 .
" The first record that I did was to buy the house inside. I wanted to buy a house in the country . If I had not done the first loan , listens well I'll tell you , I had gathered money and bought my house the view without loan . After all this what I'm paying nine years ago what I'm paying , it never left , "says Maria de Jesus.
Widow , mother of a sick child , Mary is ashamed to ask for guidance .
Globe Reporter : You understand well this loan facility , interest ?
Maria de Jesus : No, if I understood I would not do what I did .
" No one indebted if superendivida purpose . Then the person was misdirected , not received information about the contracts , do not know the actual cost of the total operation , do not know how much they will pay in the end , "said Vera Remedi .
" They talk so ' you will be entitled to both .' ' But I'll pay many times ? ' . '5 Years ' . Then what you do is you will wake : ' I made a burrada people ' . Now is later . Will spend five years carrying that cross , "says Maria de Jesus.
It's almost impossible to resist such offer. Payroll loan approved on time, extra credit for those who already have committed salary , cash on hand even for those who have a bad name . The siege consumer promises to turn any dream into reality , in installments out of sight . A temptation.
Solange could not resist the temptation. Via the display case and ready .
" I think I like good thing alone. It's a problem , right ? "Says Solange Sampaio , retired .
In the past , Solange had nothing to complain about . Quiet life , home ownership , husband and employee , finances in order . Until, suddenly , her husband died .
" For the loss of it I lost it . I had to be father and mother , I was very excited , I could do some things . My daughter graduated , paid college car, but it was something that was fleeing because the emotional tava surpassing the real part of my life , "says Solange .
When added up all the expenses , the shortfall was scary . Owed £ 80,000 . The way out of this black hole she found in Procon . There, a program in partnership with the European Court of Justice is helping superendividados to seek a compromise with creditors . The idea is , all together , make a new calculation of the debts for which the debtor can afford.
Source : Procon SP
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This article was translated by an automatic translation system, and was therefore not reviewed by people.