O superendividamento do idoso hipervulnerável no Brasil e a alta demanda de propostas de crédito.

Abstract

This Final Course Project focuses on the over-indebtedness of highly vulnerable elderly Brazilians, especially given the high frequency of credit offers from banks and financial institutions. It aims to analyze the causes, consequences, and coping strategies of highly vulnerable elderly Brazilians when they reach the level of overindebtedness. Specifically, it questions: what leads highly vulnerable elderly Brazilians to take out successive lines of credit offered by banks and financial institutions, and how to deal with the debt cycle and coping strategies? The approach used is deductive, with qualitative research of a descriptive nature, emphasizing the legal-dogmatic method, through bibliographic and documentary analysis, based on the 1988 Federal Constitution, the Statute of the Elderly, the Consumer Protection Code, and Law No. 14.181/2021. Studying this topic is of fundamental importance, since overindebtedness affects not only the financial health of the elderly, but also their mental health and social well-being, potentially leading to social exclusion and hindering access to basic rights, especially given the growth of the elderly population in Brazil, highlighting the need for preventive and coping measures.