O tratamento pré-processual do superendividamento : o projeto de extensão da Universidade de Santa Cruz do Sul em parceria com o Tribunal de Justiça do Rio Grande do Sul.

Abstract

The present study focuses on the topic of over-indebtedness and with the objective purpose of analyzing the pre-procedural treatment project implemented in the District of Santa Cruz do Sul. In these terms, the question is how to implement the project before the Court of Justice and the contributing factor to the over-indebted consumer. For this, the deductive method of bibliographic nature, research and analysis of articles and current laws was adopted. Therefore, we sought to understand the profiles of consumers and the consequences that lead them to end up in situations of over indebtedness, also, to understand the possibilities of renegotiating debts between creditor and debtor, pointing out the procedural legal attitudes applicable to cases of indebtedness, as well as how to analyze what the Over-Indebtedness Law brings to the realization of basic consumer rights through procedural tools, which aim to guarantee consumers new ways of paying their debts without causing the debtor to compromise their own subsistence, through a plan of payment satisfying the creditor.