Post by account_disabled on Jan 30, 2024 11:17:06 GMT
The over-indebtedness of the Brazilian consumer is an issue that generates socioeconomic concern, not only because it negatively impacts the country's development, but because the Constitution of the Republic focuses on the protection of human dignity as the foundation of the Democratic Rule of Law. In a recognized consumer society, over-indebtedness has significant impacts on the consumer, affecting their dignity, since they are unable to access credit, as they are included in restrictive databases, for example; having an impact on your health, as depression and anxiety arising from non-compliance with agreed obligations is a worrying issue for public health policies in Brazil.
However, the economic reality of Brazilian citizens, technological Buy Phone Number List advances and modernization embodied in the use of the internet have also promoted changes in credit provision services and the way people interact. If, on the one hand, citizens obtain credit easily, on the other hand, the possibility of obtaining it unreflectively, on impulse, increases, which can worsen the situation of vulnerability to commercial practices. Likewise, consumer vulnerability becomes aggravated with the use of technology and the internet, making it possible for fraud to occur to the detriment of consumers.
As a result, consumer protection in Brazil focuses, through a legislative act (Bill 3,515/2015), on the prevention and treatment of over-indebtedness, with a clear attempt to improve credit discipline in the country, improving the Law 8,078/90 (Consumer Protection Code) to adapt it to the Brazilian reality and effectively protect citizens exposed and subject to credit market conditions. With regard to the National Consumer Relations Policy, the bill intends to include financial and environmental education, in addition to prevention and treatment for citizens with a lot of debt, with the aim of avoiding social exclusion of the consumer and establishing mechanisms of prevention and extrajudicial and judicial treatment of over-indebtedness for individuals and in good faith, as well as establishing centers for conciliation and conflict mediation for citizens who are in this financial condition.
However, the economic reality of Brazilian citizens, technological Buy Phone Number List advances and modernization embodied in the use of the internet have also promoted changes in credit provision services and the way people interact. If, on the one hand, citizens obtain credit easily, on the other hand, the possibility of obtaining it unreflectively, on impulse, increases, which can worsen the situation of vulnerability to commercial practices. Likewise, consumer vulnerability becomes aggravated with the use of technology and the internet, making it possible for fraud to occur to the detriment of consumers.
As a result, consumer protection in Brazil focuses, through a legislative act (Bill 3,515/2015), on the prevention and treatment of over-indebtedness, with a clear attempt to improve credit discipline in the country, improving the Law 8,078/90 (Consumer Protection Code) to adapt it to the Brazilian reality and effectively protect citizens exposed and subject to credit market conditions. With regard to the National Consumer Relations Policy, the bill intends to include financial and environmental education, in addition to prevention and treatment for citizens with a lot of debt, with the aim of avoiding social exclusion of the consumer and establishing mechanisms of prevention and extrajudicial and judicial treatment of over-indebtedness for individuals and in good faith, as well as establishing centers for conciliation and conflict mediation for citizens who are in this financial condition.