Superendividamento na sociedade de consumo: um estudo sobre o núcleo de tratamento de dívidas de Cariacica/ES

Abstract

The importance assumed by the consumption in this society gives it features that distinguishes it from all social organizations that preceded it. From a society of producers, that valued the durability of various goods, it moved to a society of consumers, characterized, in general, by the quickness of desires and the constant renewal of consumer goods. So, the subjects began to seek the meaning of their happiness and even social equality in consumption. At this point, the financial resources began to no longer be enough to permit all the expenditure. So, the credit became to provide the immediate satisfaction of desires that would only be possible after some time. However, it developed a negative effect, which is individuals who, because of excessive debt, were not able to honor them. This event was called indebtedness and its consequences go far beyond the non-payment of debts assumed, evolves exclusion from the market and, consequently, from the consumer society. At this point, it is no longer just an economic problem, because it passes to achieve the dignity of the individuals, demanding special attention in order to implement ways to lead them out of the condition of indebtness. One such mechanism is developed by the ‘Núcleo de Tratamento de Dívidas’, an agency linked to ‘Procon Municipal Cariacica’. It performs treatments to consumers with excess of debts through conciliation hearings, seeking ways for consumers to honor your debts and, so, return to the consumer society. It will be realized a survey, in which will try to know who is this persons with excess of debts as well as the reasons that led them to this situation in order to determine the true influence of society of consume in the phenomenon of over-indebtedness.