O superendividamento da população brasileira e sua relação com a publicidade de crédito fácil realizada por bancos e financeiras.

Abstract

The present monographic work intends to analyze how the doctrine characterizes the consumer's super indebtedness and what the effective participation of the publicity of credit realized by banks and financiers in this phenomenon. In this context, the problem to be faced is to analyze whether credit advertising contributes as one of the factors for the over-indebtedness of the Brazilian population. In order to deal with this task, the deductive method was used as part of the analysis of more general aspects in order to allow the analysis of the specific theme. Regarding the method of procedures, the present work will be elaborated under reading, analysis and interpretation of text, with bibliographical and documentary research information, in view of the use of laws and doctrine. Although the observation of the proposed object of analysis is a legal observation, in some moments it will be necessary to resort to different approaches, such as historical, political, philosophical, among others, to help in the search for meaning of some expressions, without, however, lose the legal focus. With regard to research techniques, they will be summarized in bibliographical research from several sources. These, in turn, will be utilized through methodology of reading procedure, examination of case law and records. In this work, the objective was to reach an understanding of the effects of advertising on the over-indebtedness of the Brazilian population, starting from the emergence of the consumer protection system to the present day, where credit for a particular population class is fundamental even for basic needs.