Abstract

RAMOS ZAGA, Fernando Antonio. Over-indebtedness as a legal and social problem. Proposal for the reform of the Consumer Protection and Defense Code. Desde el Sur [online]. 2021, vol.13, n.1, e0010. ISSN 2076-2674.  http://dx.doi.org/10.21142/des-1301-2021-011.

This research addresses over-indebtedness as a phenomenon of enormous significance, whose effects on the lives of the people affected and on society as a whole are extremely negative, indicating that the issue merits regulation by the State. It seeks to conceptualize over-indebtedness as a situation that places the consumer in an unfavorable economic position, as a result of the amount of their debt and their lack of liquidity, to the point of compromising their own maintenance and that of their family. Over-indebtedness has negative social consequences, causing damage to both the debtor and to society. In the absence of specific protection for consumers to address indebtedness, a suggestion is made for modification of the Consumer Protection Code, taking into account the experience of other countries.

Keywords : Over-indebtedness; financial advertising; credits.

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