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Debts

Indebtedness: after all, who's to blame?

22/10/2013

This article was translated by an automatic translation system, and was therefore not reviewed by people.

 

 

 



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The credit grew , the banked population has increased every day, and new emerging consumer has to deal with previously unknown elements - and impede - for their socioeconomic profile . Deal with this new situation can be a challenge to the financial stability of the Brazilian

In recent years , the expansion of easy credit has caused consumers to begin to borrow from various types without any preparation for conscious consumption . A recent study by the Central Bank ( BC ) revealed that the debt has already committed 44.82 % of the income of Brazilian families .

The Procon Campinas gives the following definition to the indebtedness driven by strong advertising and facilities offered by companies in lending : " Faced with the assertion that the people are guided by the power of images, the aggressive marketing force the sale of products and involves the consumer such that it is difficult to escape the glitzy business , the situation worsened to the extent that the social strata devoid of resources undergo misleading advertising , for example , when they accept the offer of partial payment credit card , imagining getting advantages , facilities for payroll loans , thinking about the achievement of low interest rates for the money that will be invested in the purchase of luxury items , but that will realize too late . "
 
To avoid that scenario becomes even worse , a proposal to update the Code of Consumer Protection ( CDC ) was presented in the Senate . Among other things , the bill ( PLS 283/2012 ) states that financial institutions will be jointly responsible for over-indebtedness of the consumer loan allocated in case of breach of limits and should even review the payment terms and reduce interest and penalties .
 
According to the lawyer of the civil office Peixoto e Cury Advogados , Leonardo Furlaneto , supervision of financial institutions is essential if abuses are avoided. " So often the consumer is led into error , mostly through ignorance and complete ignorance due to recurrent serving advertisements offering easy credit . Retirees , for example , are targets of persecution by true professionals commissioned - called " pastinhas " - offering payroll . In the rush to take advantage of the supposed good deal , consumers hurries "he says.
 
The text of the PLS 283/2012 also provides that the consumer may , within seven days , give the hiring payroll credit , from the date of execution or of receiving a copy of the contract , without giving any reason. In the opinion of the attorney Furlaneto Leonardo , " the alterations favor the principles of the social contract , the objective good faith , the vulnerability of consumers and excessive burden , protecting the individual against unfair terms ," he says .
 
For the expert , the most important is to invest in financial education of Brazilian families . "From history we have, it is evident that the wisest thing to do is to create education plans and financial intelligence to the population , as well as effective supervision of financial institutions to comply with the law . So surely the government and the judiciary would not be so encouraged to speak out about the business private . You need to create and disseminate the culture of education and not remediation , "advises Furlaneto .

The French law through the "Code de la Consommation " that creates special rules of access to credit , seeking "recovery of the debtor " , a rescheduling of payments , debt forgiveness , reduction or elimination of interest rates , etc. . The solution demand begins to study for the office of the administrative committee and can get to judge who has the power to suspend any executions.

A survey by GuiaBolso.com , with about 10 000 registered users on the platform in the second quarter of 2013 , shows that 31 % of users of class C spend everything they get, without creating a reservation that could occur in unexpected cases , as unemployment or illness in the family . Only 15% of users of the class C have some sort of savings, while only 2 % are actually investors with financial reserves exceeding three months salary .
 
Classes A and B the numbers are not much different , with 49 % of users with debts that jeopardize a value greater than one-third of the monthly income , while another 28 % spend all they receive . On the other hand, the Class A and B have a higher percentage of savers and investors , 16% and 7%.
  
The proportion of users who really stands out is formed by the classes D , E and F. Even with the lower income , only 36 % of them have debts of more than a third of the monthly income , while 41 % spend all they receive monthly.
  
Considering the entire base , 55 % of users are " in trouble " , ie constantly undergo lack of money and need to pay off debts more than a third of their income , while 33 % are " on the edge " , spending all they receive .
"This represents 88 % of people with problems in the budget " , defines the executive .


Source : UOL - Modern Consumer

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