Clipping of news on Brazilian Culture, Law and Citizenship
04/04/2016
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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After research shows that 52% of delinquent spend 50% of their income on debt, agency wants to negotiate with lender
If before beating the Procon door of the Legislative Assembly of Minas Gerais (ALMG) citizens with complaints about purchased goods, now the economic crisis has changed the complaints. Has been growing by leaps and bounds in the service the number of indebted consumers and desperate to end their debts. The situation caught the attention of Procon Mining, which in original research with the population, showed that 52% of non-performing, ie, those who can not pay on time its financial commitments, have more than 50% of its committed income with debts. Thus, the agency recommends those in this situation leave your credit cards and look for the body to try negotiations with creditors.
They interviewed 260 people between the 1st and 4th of March this year in various regions of the capital. According to the survey, of this total, 137 (53%) said they were in default, while the other 123 have ensured that are current on their payments. The most outstanding debts refers to credit cards or store. They are 57.66% of cases. Accounts overdue water, electricity and telephone represent 30.66% of the total.
"When the economy was good in the country, consumers came to us to complain about a refrigerator that had bought and was defective, or a new television that did not work. Things have changed. Today, they get desperate with growing debt and debt in basic accounts, such as the light. So we decided to do the research and see if this change was also of others who did not go to Procon and that's what we found: is general debt ", says the research coordinator Prices and Educational Inspection of Procon-MG, Margareth Cintra .
In the study, more concerned Procon is that debtors receive, mostly (61%), between one and two minimum wages per month, and 20.44% are unemployed. "And that is the saddest. These are people who receive, for example, US $ 2000 and are 50% of the committed debt income. We have never seen such a situation in Procon. The consumer who comes to us gets busted, since no light at home. These people were not prepared for a downturn in the economy, "says Margareth. Beatriz Conrado, 35, for example, works as a clerk in commerce and has a debt of R $ 1,000. She says she got out of it with interest and installments became a snowball, so ended up abandoning the payment for a while, but did not forget the bill.
To repay the debt, she said I would have a 50% discount and explains: "What I had was actually far less, is that interest rates are too high." She said her goal is to get rid of debt as soon as possible, clear the name and did not return to consume the rotary card. For people like Beatrice, Procon attempts to negotiate the debt with the bank. "The first thing we do with this debtor is a spreadsheet in which we calculate whether interest is abusive. If so, make an audience with the institution to negotiate the collection, "he explains.
Joseph Leo, 66, is gradually getting rid of your debts and account that is running the credit card interest, beyond the impressive level of 400% per year. With debts in three different banks, the retired explains that most of their problems come from the plastic money, which uses especially in supermarkets to buy food. One of debts in the amount of R $ 9000, Jose Leon negotiated with the bank and managed to bring the debt to the level of R $ 4,680, an amount that it will pay in 36 installments of R $ 130 starting this month. He will now try to gradually negotiate with other banks. "My debts are related to credit card. When the delayed installments, interest makes the debt grow too. "
RESERVATION The research of Procon-MG also showed that 58% of respondents are named negated in credit protection services. The recommendation of the consumer protection agency is for those who are indebted to break the credit card. "It is. Shut down all the cards and negotiate debts. The priority is for those necessities, "says Margareth, which recommends that all people who are debt-free to have a financial reserve at the moment of the Brazilian economy. "It has to think about a possible unemployment," he warns.
Paying debts is to get rid of a heavy burden. It was exactly how we felt last week retired José de Souza, who in May turns 70. He lent his credit card to family and ended up with his name negated. It was almost three years of default, but on Wednesday Joseph went to a salvage yard promoted by Serasa for trading of debt and paid off the debt. Retired got a good discount, R $ 1000 debt was trading at R $ 259. "I'm evangelical and my way of life does not allow certain actions. If we have a debt, we have to pay them. "He paid cash.
Source: State of Minas
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This article was translated by an automatic translation system, and was therefore not reviewed by people.