N?s, os endividados : negociando reciprocidades, emo??es e moralidades

• Autor(a) principal: Leal, Carolina Rispoli
• Data de Publicação: 2016
• Tipo de documento: Tese
• Idioma: por
• Título da fonte: Biblioteca Digital de Teses e Dissertações da PUC_RS
• Texto Completo: http://tede2.pucrs.br/tede2/handle/tede/7087
• topic: FINAN?AS PESSOAIS; MORALIDADE; DIGNIDADE HUMANA; CI?NCIAS SOCIAIS; OUTROS::CIENCIAS SOCIAIS

This investigation analyzes the different dimensions present in the process of debt negotiation which act in the subjective reconfiguration of individuals in debt. Since the 1990s, with the implementation of the Plan ?Real?, Brazil has been experiencing an economic and political process which has granted ? by means of access to credit and increase to family income - the social and financial insertion of a rather significant quota of the population. On the other hand, this same process has had repercussions for the increasing indebtedness, moving more and more social players concerned about this phenomenon. The Brazilian legal system was one of those players who most felt the effect of this phenomenon, especially the restorative justice, the public defender?s offices and the department?s consumer defense, being triggered by consumers who were looking for mechanisms of debt negotiation. From 2006, by an initiative of the Rio Grande do Sul Court of Appeals, National Council of Justice (CNJ) and other entities oriented towards Consumer Rights, the first experiences of mediation for debt negotiations began. In 2009, these experiences led to the establishment of the Judicial Center of Settlement and Mediation. Through the ethnographic approach carried out at the Center of Settlement and Mediation during 2011 and 2013, it was possible to follow not only the service but also the debt negotiation sessions conducted by the public service. In addition, it was observed that following other social players, the Center of Settlement and Mediation also encourages the consumers to adopt practices to ?control? their finances. The main conclusion of this investigation resides in the fact that, despite involving distinct stories and ways of dealing with negotiated debts, as well as the meaning they have, negotiated debts contemplate not only economic criteria but also of moral and social order. At the same time, when pursuing the legal realm, individuals seemed aware of a code that defended them as consumers in their dignity, using in their own way, concepts of justice and citizenship. To problematize such criteria, the current investigation also presents the ethnographic approach carried out together with the social movement of the individuals in debt ?El Barz?n Popular?, which occurred during the PhD research from 2012 and 2013.