RESTRUCTURING BANK DEBTS: THE OVER-INDEBTEDNESS LAW

Authors

  • Guilherme Sidney Souza Rocha Silva Ensino Superior Una de Bom Despacho
  • Pauliana Maria Dias UNA-Bom Despacho

DOI:

https://doi.org/10.51891/rease.v12i6.27848

Keywords:

Law. Over-indebtedness. Law 14.181/2021. Minimum Subsistence Level. Debt Renegotiation.

Abstract

This study aims to analyze the effectiveness of Law No. 14.181/2021 as an instrument for consumer protection and preservation of the minimum subsistence level in the face of credit granting practices by financial institutions in Brazil. Over-indebtedness in Brazil affects millions of people, generating profound impacts that go beyond the financial sphere, affecting human dignity. Through qualitative and bibliographic research, the study investigates the concept of over-indebtedness, the duties of conduct imposed on suppliers, and debt renegotiation procedures, concluding that an effective application of the law is necessary for the social reintegration of the debtor.

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Author Biographies

Guilherme Sidney Souza Rocha Silva, Ensino Superior Una de Bom Despacho

Acadêmico do curso de Direito da Instituição de Ensino Superior Una de Bom Despacho, da rede Ânima Educação.

Pauliana Maria Dias, UNA-Bom Despacho

Orientadora. Profa, do Curso de Direito UNA-Bom Despacho. Mestre em Direito Processual Civil, especialista em Direito Processual Civil, especialista em Direito do Trabalho e Processual do Trabalho e advogada.

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Published

2026-06-09

How to Cite

Silva, G. S. S. R., & Dias, P. M. (2026). RESTRUCTURING BANK DEBTS: THE OVER-INDEBTEDNESS LAW. Revista Ibero-Americana De Humanidades, Ciências E Educação, 12(6), 1–14. https://doi.org/10.51891/rease.v12i6.27848

Issue

Vol. 12 No. 6 (2026): Revista Ibero-Americana de Humanidades, Ciências e Educação — REASE

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License

Atribuição CC BY