Regulação para o tratamento do superendividamento: diretrizes para a construção de um sistema de falência da pessoa natural no Brasil

• Autor(a) principal: Silva, Gabriela Borges
• Data de Publicação: 2019
• Tipo de documento: Dissertação
• Idioma: por
• Título da fonte: Repositório Institucional do FGV (FGV Repositório Digital)
• Texto Completo: https://hdl.handle.net/10438/27342
• topic: Law and economics; Comparative law; Overindebtedness; Insolvency; Bankrupcty; Direito e Economia; Direito Comparado; Superendividamento; Insolvência; Falência; Direito; Direito econômico - Brasil; Dívidas - Legislação - Brasil; Defesa do consumidor - Legislação - Brasil; Falência; Direito regulatório

In Brazil, the expansion of the over-indebtedness phenomenon has intensified in recent years with the democratization of credit and the incentive to consume, through the process of banking society. Despite the growing increase in the levels of population indebtedness, there is no adequate legal treatment in the Brazilian legal system that addresses the issue in order to provide financial recovery for debtors. Nevertheless, in other countries, such as the United States and France, the legislation has two procedures implemented in the respective legal systems for the treatment of the indebtedness of the natural person: (i) the partial or total remission or pardon of financial obligations that exceed the debtor's ability to pay (fresh start policy); and (ii) mechanisms for debt renegotiation. This dissertation intends to address the regulation of the legal treatment of excessive indebtedness in Brazil, encompassing the phenomenon of super indebtedness, based on a comparative study of the United States and France, in order to demonstrate the need for the construction of a formal bankruptcy system natural in Brazil. To do so, it will be analyzed what legal mechanisms are available for the treatment of excessive debt of natural persons in each of these jurisdictions. The objective of the research is to verify which lessons can be extracted and eventually applied to the improvement of the Brazilian regulatory environment. Its purpose is therefore to understand the legal alternatives existing in other countries and that could potentially be an inspiration for Brazilian legislators and regulators when reforming legislation in Brazil.