Os contratos de crédito ao consumo e o super endividamento do consumidor

Abstract

Society is currently experiencing the age of consumption. Consumption invades the entire life of the human being, combining all the activities of modern man in a constant and dynamic network. Constant because man becomes a consumer in the various aspects of his daily life. Dynamic because consumption becomes a vicious circle in human life, either by the desire created by abundance or by fads, or because objects become obsolete quickly, forcing man to adapt to the novelties of the market. After a brief analysis of the consumer society and the current contract conception, it is tried to demonstrate that the current Brazilian legislation that disciplines credit agreements does not follow the reality of the consumer society and the necessary consumer protection of credit, in order to ensure the effectiveness of constitutional principles and avoid over-indebtedness. Consumption then becomes the mirror of human happiness, the attempt to fill the existential emptiness of man, becoming the meaning of his life, the reason for his work, his greatest goal. From this literary review, in the future, it is possible to propose solutions that fit the legal and economic context of the Brazilian population, especially in the current era of political and economic instability.