HYPERVULNERABILITY OF THE ELDERLY CONSUMER IN FRONT OF OVER-INDEBTEDNESS

Detalhes bibliográficos
Autor(a) principal: Fazolli, Silvio Alexandre
Data de Publicação: 2024
Outros Autores: Dias, Maria Eduarda Frazatto, Pinzan, Pedro Henrique Roncada
Tipo de documento: Artigo
Idioma: por
Título da fonte: Revista Opinião Jurídica (Fortaleza)
Texto Completo: https://periodicos.unichristus.edu.br/opiniaojuridica/article/view/4834
Resumo: Context: In contemporary times, what can be called mass society has developed, which is marked, mainly, by the excessive consumption of material goods and by various abuses in the face of vulnerable subjects, such as the elderly. In order to protect such individuals, brazilian law number 14.181/2021 emerges, which seeks to establish the recognition of the hypervulnerable condition of the elderly and the duty to safeguard their rights in the face of over-indebtedness. Objective: Investigate the implications provided by brazilian law number 14.181/2021, especially in the sense of investigating the contours of the hypervulnerability of the elderly and their propensity to excessive indebtedness, without, however, ignoring the innovations provided by the principle of responsible credit, combating consumer harassment, as well as the institute of debt renegotiation of over-indebted consumers. Methodology: The present study was conducted through the selection of specialized bibliography, as well as recent brazilian jurisprudential understandings and decisions issued by the National Council for Advertising Self-Regulation, using the deductive method. Conclusion: The precepts dealt with by brazilian law number 14.181/2021, in addition to creating and reinforcing the individual rights and guarantees of the elderly duly recognized by the legal system, also establish new perspectives on the treatment of excessive indebtedness of the elderly as hypervulnerable consumers.
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spelling HYPERVULNERABILITY OF THE ELDERLY CONSUMER IN FRONT OF OVER-INDEBTEDNESSHIPERVULNERABILIDAD DEL CONSUMIDOR ANCIANO ANTE EL SOBREENDEUDAMIENTODA HIPERVULNERABILIDADE DO CONSUMIDOR IDOSO FRENTE AO SUPERENDIVIDAMENTOidosohipervulnerabilidadesuperendividamentoOferta de Créditoelderlyhypervulnerabilityover-indebtednesscreditancianoshipervulnerabilidadsobreendeudamientocréditoContext: In contemporary times, what can be called mass society has developed, which is marked, mainly, by the excessive consumption of material goods and by various abuses in the face of vulnerable subjects, such as the elderly. In order to protect such individuals, brazilian law number 14.181/2021 emerges, which seeks to establish the recognition of the hypervulnerable condition of the elderly and the duty to safeguard their rights in the face of over-indebtedness. Objective: Investigate the implications provided by brazilian law number 14.181/2021, especially in the sense of investigating the contours of the hypervulnerability of the elderly and their propensity to excessive indebtedness, without, however, ignoring the innovations provided by the principle of responsible credit, combating consumer harassment, as well as the institute of debt renegotiation of over-indebted consumers. Methodology: The present study was conducted through the selection of specialized bibliography, as well as recent brazilian jurisprudential understandings and decisions issued by the National Council for Advertising Self-Regulation, using the deductive method. Conclusion: The precepts dealt with by brazilian law number 14.181/2021, in addition to creating and reinforcing the individual rights and guarantees of the elderly duly recognized by the legal system, also establish new perspectives on the treatment of excessive indebtedness of the elderly as hypervulnerable consumers.Contextualización: En la época contemporánea se ha desarrollado lo que se puede llamar sociedad de masas, marcada principalmente por el consumo excesivo de bienes materiales y diversos abusos hacia sujetos vulnerables, como los ancianos. Para proteger a dichas personas se creó la Ley n° 14.181/2021, busca establecer el reconocimiento de la condición hipervulnerable de las personas mayores y el deber de salvaguardar sus derechos frente al sobreendeudamiento. Objetivo: Investigar las implicaciones previstas por la Ley nº 14.181/2021, especialmente con el fin de explorar los contornos de la hipervulnerabilidad de las personas mayores y su propensión al endeudamiento excesivo, sin embargo, las innovaciones aportadas por el principio de crédito responsable, lucha contra el acoso a los consumidores, así como el instituto para la renegociación de deudas de consumidores sobreendeudados. Metodología: El presente estudio se realizó a través de la selección de bibliografía especializada, así como de precedentes jurisprudenciales e decisiones dictadas por el Consejo Nacional de Autorregulación Publicitaria, utilizándose para tal efecto el método deductivo. Conclusión: los preceptos abordados por la Ley nº 14.181/2021, además de crear y reforzar los derechos y garantías individuales de ancianos debidamente reconocidas por el Ordenamiento Jurídico, también establecen nuevas perspectivas sobre el tratamiento del endeudamiento excesivo de las personas mayores como consumidores hipervulnerables.Contextualização: Na contemporaneidade, desenvolveu-se aquilo que pode ser denominado de sociedade de massa, que é marcada, principalmente, pelo consumo excessivo de bens materiais e por diversos abusos em face de sujeitos vulneráveis, como é o caso dos idosos. No sentido de proteger tais indivíduos, surge a Lei nº 14.181/2021, a qual busca estabelecer o reconhecimento da condição hipervulnerável da pessoa idosa e do dever de salvaguarda de seus direitos defronte ao superendividamento. Objetivo: Investigar as implicações proporcionadas pela Lei nº 14.181/2021, especialmente no sentido de perquirir os contornos da hipervulnerabilidade do idoso e sua propensão ao endividamento excessivo, sem, contudo, ignorar as inovações proporcionadas pelo princípio do crédito responsável, o combate ao assédio de consumo, bem como o instituto da repactuação de dívidas do consumidor superendividado. Metodologia: O presente estudo foi conduzido por meio da seleção de bibliografia especializada, bem como de entendimentos jurisprudenciais recentes e decisões proferidas pelo Conselho Nacional de Autorregulamentação Publicitária, utilizando-se, para isso, do método dedutivo. Conclusões: Os preceitos tratados pela Lei nº 14.181/2021, além de criarem e reforçarem os direitos e as garantias individuais do idoso devidamente reconhecidos pelo ordenamento jurídico, estabelecem ainda novas óticas ao tratamento do endividamento excessivo do idoso como consumidor hipervulnerável.Instituto para o Desenvolvimento da Educacao (Centro Universitário Christus - Unichristus)2024-03-08info:eu-repo/semantics/articleinfo:eu-repo/semantics/publishedVersionArtigoapplication/pdfhttps://periodicos.unichristus.edu.br/opiniaojuridica/article/view/483410.12662/2447-6641oj.v22i39.p117-146.2024Revista Opinião Jurídica (Fortaleza); Vol. 22 No. 39 (2024): Em aberto; 117-146Revista Opinião Jurídica (Fortaleza); Vol. 22 Núm. 39 (2024): Em aberto; 117-146Revista Opinião Jurídica (Fortaleza); Vol. 22 No 39 (2024): Em aberto; 117-146Revista Opinião Jurídica (Fortaleza); v. 22 n. 39 (2024): Em aberto; 117-1462447-66411806-042010.12662/2447-6641oj.v22i39.2024reponame:Revista Opinião Jurídica (Fortaleza)instname:Centro Universitário Christus (Unichristus)instacron:UNICHRISTUSporhttps://periodicos.unichristus.edu.br/opiniaojuridica/article/view/4834/1870Copyright (c) 2024 Revista Opinião Jurídica (Fortaleza)http://creativecommons.org/licenses/by-nc-sa/4.0info:eu-repo/semantics/openAccessFazolli, Silvio AlexandreDias, Maria Eduarda FrazattoPinzan, Pedro Henrique Roncada2024-03-08T16:43:30Zoai:ojs.emnuvens.com.br:article/4834Revistahttps://periodicos.unichristus.edu.br/opiniaojuridicaPRIhttps://periodicos.unichristus.edu.br/opiniaojuridica/oaiopiniaojuridica01@unichristus.edu.br || secretaria.oj@unichristus.edu.br2447-66411806-0420opendoar:2024-03-08T16:43:30Revista Opinião Jurídica (Fortaleza) - Centro Universitário Christus (Unichristus)false
dc.title.none.fl_str_mv HYPERVULNERABILITY OF THE ELDERLY CONSUMER IN FRONT OF OVER-INDEBTEDNESS
HIPERVULNERABILIDAD DEL CONSUMIDOR ANCIANO ANTE EL SOBREENDEUDAMIENTO
DA HIPERVULNERABILIDADE DO CONSUMIDOR IDOSO FRENTE AO SUPERENDIVIDAMENTO
title HYPERVULNERABILITY OF THE ELDERLY CONSUMER IN FRONT OF OVER-INDEBTEDNESS
spellingShingle HYPERVULNERABILITY OF THE ELDERLY CONSUMER IN FRONT OF OVER-INDEBTEDNESS
Fazolli, Silvio Alexandre
idoso
hipervulnerabilidade
superendividamento
Oferta de Crédito
elderly
hypervulnerability
over-indebtedness
credit
ancianos
hipervulnerabilidad
sobreendeudamiento
crédito
title_short HYPERVULNERABILITY OF THE ELDERLY CONSUMER IN FRONT OF OVER-INDEBTEDNESS
title_full HYPERVULNERABILITY OF THE ELDERLY CONSUMER IN FRONT OF OVER-INDEBTEDNESS
title_fullStr HYPERVULNERABILITY OF THE ELDERLY CONSUMER IN FRONT OF OVER-INDEBTEDNESS
title_full_unstemmed HYPERVULNERABILITY OF THE ELDERLY CONSUMER IN FRONT OF OVER-INDEBTEDNESS
title_sort HYPERVULNERABILITY OF THE ELDERLY CONSUMER IN FRONT OF OVER-INDEBTEDNESS
author Fazolli, Silvio Alexandre
author_facet Fazolli, Silvio Alexandre
Dias, Maria Eduarda Frazatto
Pinzan, Pedro Henrique Roncada
author_role author
author2 Dias, Maria Eduarda Frazatto
Pinzan, Pedro Henrique Roncada
author2_role author
author
dc.contributor.author.fl_str_mv Fazolli, Silvio Alexandre
Dias, Maria Eduarda Frazatto
Pinzan, Pedro Henrique Roncada
dc.subject.por.fl_str_mv idoso
hipervulnerabilidade
superendividamento
Oferta de Crédito
elderly
hypervulnerability
over-indebtedness
credit
ancianos
hipervulnerabilidad
sobreendeudamiento
crédito
topic idoso
hipervulnerabilidade
superendividamento
Oferta de Crédito
elderly
hypervulnerability
over-indebtedness
credit
ancianos
hipervulnerabilidad
sobreendeudamiento
crédito
description Context: In contemporary times, what can be called mass society has developed, which is marked, mainly, by the excessive consumption of material goods and by various abuses in the face of vulnerable subjects, such as the elderly. In order to protect such individuals, brazilian law number 14.181/2021 emerges, which seeks to establish the recognition of the hypervulnerable condition of the elderly and the duty to safeguard their rights in the face of over-indebtedness. Objective: Investigate the implications provided by brazilian law number 14.181/2021, especially in the sense of investigating the contours of the hypervulnerability of the elderly and their propensity to excessive indebtedness, without, however, ignoring the innovations provided by the principle of responsible credit, combating consumer harassment, as well as the institute of debt renegotiation of over-indebted consumers. Methodology: The present study was conducted through the selection of specialized bibliography, as well as recent brazilian jurisprudential understandings and decisions issued by the National Council for Advertising Self-Regulation, using the deductive method. Conclusion: The precepts dealt with by brazilian law number 14.181/2021, in addition to creating and reinforcing the individual rights and guarantees of the elderly duly recognized by the legal system, also establish new perspectives on the treatment of excessive indebtedness of the elderly as hypervulnerable consumers.
publishDate 2024
dc.date.none.fl_str_mv 2024-03-08
dc.type.driver.fl_str_mv info:eu-repo/semantics/article
info:eu-repo/semantics/publishedVersion
Artigo
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status_str publishedVersion
dc.identifier.uri.fl_str_mv https://periodicos.unichristus.edu.br/opiniaojuridica/article/view/4834
10.12662/2447-6641oj.v22i39.p117-146.2024
url https://periodicos.unichristus.edu.br/opiniaojuridica/article/view/4834
identifier_str_mv 10.12662/2447-6641oj.v22i39.p117-146.2024
dc.language.iso.fl_str_mv por
language por
dc.relation.none.fl_str_mv https://periodicos.unichristus.edu.br/opiniaojuridica/article/view/4834/1870
dc.rights.driver.fl_str_mv Copyright (c) 2024 Revista Opinião Jurídica (Fortaleza)
http://creativecommons.org/licenses/by-nc-sa/4.0
info:eu-repo/semantics/openAccess
rights_invalid_str_mv Copyright (c) 2024 Revista Opinião Jurídica (Fortaleza)
http://creativecommons.org/licenses/by-nc-sa/4.0
eu_rights_str_mv openAccess
dc.format.none.fl_str_mv application/pdf
dc.publisher.none.fl_str_mv Instituto para o Desenvolvimento da Educacao (Centro Universitário Christus - Unichristus)
publisher.none.fl_str_mv Instituto para o Desenvolvimento da Educacao (Centro Universitário Christus - Unichristus)
dc.source.none.fl_str_mv Revista Opinião Jurídica (Fortaleza); Vol. 22 No. 39 (2024): Em aberto; 117-146
Revista Opinião Jurídica (Fortaleza); Vol. 22 Núm. 39 (2024): Em aberto; 117-146
Revista Opinião Jurídica (Fortaleza); Vol. 22 No 39 (2024): Em aberto; 117-146
Revista Opinião Jurídica (Fortaleza); v. 22 n. 39 (2024): Em aberto; 117-146
2447-6641
1806-0420
10.12662/2447-6641oj.v22i39.2024
reponame:Revista Opinião Jurídica (Fortaleza)
instname:Centro Universitário Christus (Unichristus)
instacron:UNICHRISTUS
instname_str Centro Universitário Christus (Unichristus)
instacron_str UNICHRISTUS
institution UNICHRISTUS
reponame_str Revista Opinião Jurídica (Fortaleza)
collection Revista Opinião Jurídica (Fortaleza)
repository.name.fl_str_mv Revista Opinião Jurídica (Fortaleza) - Centro Universitário Christus (Unichristus)
repository.mail.fl_str_mv opiniaojuridica01@unichristus.edu.br || secretaria.oj@unichristus.edu.br
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