Clipping of news on Brazilian Culture, Law and Citizenship
24/04/2014
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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The concern about over-indebtedness of Brazilians can lead to the creation of a consumer protection law . The Senate Bill 283/12 , which regulates the supply of credit to consumers and prevent over-indebtedness , may be voted in the plenary of the House later this month. The project is part of the reform of the Code of Consumer Protection , which also includes proposal regulating internet shopping .
The project provides for the guarantee of responsible lending , financial education and prevention and treatment of situations of over-indebtedness . It also establishes the concept of " existential minimum " income , which must be guaranteed by the review and renegotiation of debts . According to the project , the sum of the parts reserved for payment of debt may not exceed 30 % of net pay and thus be preserved " existential minimum " .
The bill also provides that the consumer's request , the judge may initiate renegotiation of debt process with conducting conciliatory hearing. At that hearing , the consumer will propose a payment plan , with a maximum term of five years , while preserving the existential minimum .
The advisor of Procon- SP Vera Remedi believes that the most worrisome today are consumers who pay the bills every month, but have debt above the income. She recalls that many use expensive credit such as revolving credit and overdraft to roll their debt card .
" What worries me most are heavily in debt defaulting . There are not many proposals to renegotiate debts . People sometimes only have 20 % of income to pay for basic expenses of food, transportation and housing , then use credit card and overdraft and are dead . The person takes on many contracts that are not appropriate to their financial situation, "he explains .
For Vera , there are irresponsible in lending in the country " Consumers cover a debt with highest interest rate . It also contributes to a married insurance sale, the credit swap, credit offers by phone or ATM. Whatever is easier , have higher interest rates. All contractions are made on the basis of emotion the consumer, " he says.
The Procon - SP has a program to help heavily in debt . Is the Center for Treatment of overindebtedness that caters insolvent consumers and helps in taking corrective and preventive measures . According to Vera , 2,822 consumers were now lectures on the subject 1.142 heavily in debt and were counseled individually.
The internet you can find some tools to support heavily in debt . The Central Bank, for example , offers on its website a booklet with directions on how to get out of debt distress . And in the Brazilian Federation of Banks ( Febraban ) page , the consumer finds a tool to organize income and expenses , Jimbo .
According to Superintendent of Consumer Services Serasa Experian , Maria Zanforlin , can be considered as superendividado the consumer who has more than four debts . " Occurs when the person did more shopping than you can afford and need credit," he explains.
" The consumption stimulates the economy , but there needs to be a conscious consumer . Only buy what you really need . Happiness with a purchase is very short , "says Maria Zanforlin . According to her , a good tip is to write down everything you purchase to know how much consumed at the end of a day.
" In Brazil , the issue of consumption is new . Are 20 years of the Real Plan . We had no financial education needed, " he said.
Source : Procon SP
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This article was translated by an automatic translation system, and was therefore not reviewed by people.