Clipping of news on Brazilian Culture, Law and Citizenship
 


Consumer News

Consumer who loses employment is entitled to renegotiate its debt

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




The international financial crisis and increased unemployment, thus the number of consumers who can not pay in days of the parcels purchased products or funds.
In such cases, authorities recommend that consumers who support the person quickly search your lender to renegotiate the contract. What most people know is that the Consumer Defense Code ensures that right.
"There is a forecast in the code that points to a renegotiation where the consumer is surprised by a situation that is after the signing of the contract and puts at a disadvantage," says the legal Idec's (Office of Consumer Protection), Marcos Diegues.
"So what he is seeking is not a waiver of its responsibilities, but a balanced treatment to a temporary situation. Accept the renegotiation of the company is not required, but the consumer is entitled to claim it," he adds.
Interest of the company also
The president of Ibedec (Brazilian Institute for Study and Defense of the Consumer Relations), José Geraldo Tardin, most companies are interested in renegotiating the debt, because the non-payment brings further injury.
So he recommends that consumers look for the company or the financial agent as quickly as possible, before it becomes delinquent.
Highlight the proper treatment
Tradin says that the consumer, regardless of the default can not be threatened or exposed to ridicule by his creditor.
"The fact that it should be does not mean that the financial agent may, for example, to call his work and leave a message warning of debt. This is right and who breaks the code is subject to punishment from 3 months to 1 year prison, "alert.
If the consumer feels threatened or humiliated, it should come with an action for damage against the collector, as published in the Agency Brazil.
Alert: care at the time of purchase!
Even for those who are unemployed, those who advise caution to protect consumers at the time of partial or finance an acquisition, especially in the purchase with bank loans or check special. After all, as Diegues remember, an economic crisis affects "basically a job".
"Even if the consumer does not know what this crisis and how it is installed, you must consider it when buying. While the government calls to have more supply of credit, because he sees the need to maintain the heated economy, this can not be done to the detriment of consumers, "highlights the legal advisor.


Source: InfoMoney

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

Important:
The JurisWay site does not interfere in the work provided by doctrine, why only reflect the opinions, ideas and concepts of their authors.


  Subjects list
 
  Copyright (c) 2006-2009. JurisWay - All rights reserved.