Superendividamento das famílias brasileiras e o impacto da subsistência.

Abstract

This Final Course Work aims to analyze the over-indebtedness of Brazilian families and its impacts on the minimum existential income, observing the social, legal and economic effects of this aspect. Considering the current consumerist culture, the research seeks to understand how Law No. 14.181/2021 contributes to the protection of the over-indebted consumer, as well as to reflect on the effectiveness of public policies outside of financial education and conciliation as measures to address the problem. The methodology used was a theoretical and qualitative research, with a deductive approach, through bibliographic and documentary analysis. The research indicates that over-indebtedness compromises not only financial health, but also human dignity, requiring the strengthening of responsible credit practices and legal mechanisms accessible to the vulnerable population. It is concluded that effectively addressing over-indebtedness requires integrated actions between the State, society and financial institutions, with a focus on prevention, recovery and social inclusion.