{"id":5523,"date":"2025-07-11T22:06:14","date_gmt":"2025-07-11T22:06:14","guid":{"rendered":"https:\/\/anbc.org.br\/?p=5523"},"modified":"2025-09-11T22:11:34","modified_gmt":"2025-09-11T22:11:34","slug":"over-indebtedness-law-turns-2","status":"publish","type":"post","link":"https:\/\/anbc.org.br\/en\/lei-do-superendividamento-completa-4-anos\/","title":{"rendered":"Over-indebtedness Law completes four years with advances in consumer protection"},"content":{"rendered":"

Source: https:\/\/algomais.com\/<\/a><\/span><\/p>\n

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Union between justice and credit brings relief to families and shows that it is possible to start again with dignity<\/h3>\n

For millions of Brazilians, the word \"over-indebtedness\" means sleepless nights, anguish and loss of control over their lives. But it has also become synonymous with a fresh start. Four years after the enactment of Law No. 14,181\/2021, known as the Over-indebtedness Law, consumers are finding support to reorganize their finances, renegotiate debts and regain financial stability.<\/p>\n

Passed with the aim of strengthening citizens' rights, the law guarantees that any renegotiation respects the existential minimum - currently set at R$ 600.00 - protecting essential resources for survival. The legislation also inhibits abusive practices when offering credit and encourages financial education as a prevention tool.<\/p>\n

Progress is concrete. According to data from the Central Bank, in March 2025, the commitment of income to debt service was 27.2%. Although the index still represents a challenge, it shows a slight decline compared to previous years and signals that public and private initiatives have made a difference.<\/p>\n

Among them is the State Program to Combat Over-indebtedness, launched by the S\u00e3o Paulo Court of Justice (TJSP). The action brings together public authorities, companies and financial institutions on a digital platform for mediation between consumers and creditors. The proposal is straightforward: to facilitate fair agreements that allow debts to be settled without sacrificing quality of life.<\/p>\n

The program has the support of the credit bureaus Quod, Serasa and SPC Brasil, all members of the National Association of Credit Bureaus (ANBC). This networking strengthens a culture of conciliation and shared responsibility.<\/p>\n

For Elias Sfeir, president of ANBC, the fight against over-indebtedness requires coordinated actions and a focus on financial education. \u201cMore than resolving debts, we need to build paths of autonomy and awareness. The Over-indebtedness Law, combined with initiatives such as the TJSP program, show that Brazil has made progress. However, there is still a lot to be done to ensure that everyone has access to information, responsible credit and real opportunities to start over,\u201d says the executive.<\/p>\n

In addition to legislation and mediation, ANBC reinforces that simple attitudes - such as planning spending, avoiding revolving credit and seeking qualified information - are fundamental to maintaining good financial health. Coping with over-indebtedness is, above all, a journey of reconstruction. And the good news is that no one has to face it alone.<\/p>\n<\/div>\n

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Read more<\/h3>\n

6th New Sanitation Framework Forum<\/a><\/span><\/p>","protected":false},"excerpt":{"rendered":"

Source: https:\/\/algomais.com\/ A union between justice and credit brings relief to families and shows that it is possible to start over with dignity For millions of Brazilians, the word over-indebtedness represents sleepless nights, anguish and loss of control over one's own life. But...<\/p>","protected":false},"author":1,"featured_media":5524,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_robots_primary_cat":"none","_seopress_titles_title":"Lei do Superendividamento completa quatro anos com avan\u00e7os na prote\u00e7\u00e3o ao consumidor","_seopress_titles_desc":"Uni\u00e3o entre Justi\u00e7a e cr\u00e9dito traz al\u00edvio \u00e0s fam\u00edlias e mostra que \u00e9 poss\u00edvel recome\u00e7ar com dignidade","_seopress_robots_index":"","pgc_sgb_lightbox_settings":"","footnotes":""},"categories":[1],"tags":[94],"class_list":["post-5523","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticias","tag-lei-do-superendividamento","blog-post"],"_links":{"self":[{"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/posts\/5523","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/comments?post=5523"}],"version-history":[{"count":1,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/posts\/5523\/revisions"}],"predecessor-version":[{"id":5525,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/posts\/5523\/revisions\/5525"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/media\/5524"}],"wp:attachment":[{"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/media?parent=5523"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/categories?post=5523"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/tags?post=5523"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}