Lei 14.181/2021 : aspectos do tratamento do superendividamento.

Abstract

Over-indebtedness is an economic-social phenomenon that comprehensively affects the population that makes up the developing countries, spreading easily due to the supply of credit and the excessive incentive to consumption, inherent to the contemporary market profile. The Covid-19 pandemic, which has been plaguing the world since the end of 2019, has contributed to the rampant growth in indebtedness of Brazilian consumers, making it imperative to develop tools that better regulate the issue of over-indebtedness, aiming at stability and maintenance of the minimum for the survival of the people affected by it. In this context, Law 14.181 of July 1, 2021, the Over-indebtedness Law, which introduces new guidelines and paradigms, changing provisions of the Consumer Protection Code, Law 8.078/ 1990 and the Elderly Statute, Law 10.741/ 2003, with the purpose of preventing and dealing with over-indebtedness and consumer credit, and whose analysis of its provisions is the object of this study.