Dates: September 13th, 15th and 16th, at 7pm

Speaker: Paulo R. Roque A. Khouri

Special Participation: Bruno Miragem

Syllabus: Problems with granting credit. The risks of the credit provider. Credit consumer risks. Preventing over-indebtedness via the right to information. Review of the credit agreement due to violation of the right to information. The legal treatment of over-indebted consumers. The conciliatory phase of over-indebtedness. The compulsory renegotiation of debts.

Objectives:
A) General Objective: to allow the student to understand the importance of the Law on the Prevention and Treatment of Over-Indebtedness.
B) Specific Objectives: at the end of the educational action, students should be able to clearly identify situations where the prevention of over-indebtedness is appropriate, as well as situations that require legal treatment for over-indebted consumers.

Program content:
1) The legal relationship between consumption;
2) the consumer and the credit provider; positive and negative records; and the score;
3) situations covered by the new law;
3.1. Concept of over-indebtedness;
3.2. concept of existential minimum;
4) situations excluded by law;
5) Recognition of the vulnerability of credit consumers – art. 4th, I, CDC;
6) Consumer rights and market freedom;
7) Art. 170 of the CF and art. 4th, III, of the CDC;
8) The main risks of the credit provider;
9) the main risks of the credit borrower;
10) credit consumer rights;
11) prevention of over-indebtedness via the right to information;
12) the limits of the right to information in preventing over-indebtedness;
13) the Total Effective Cost of Credit;
14) review of the credit agreement due to violation of the right to information;
15) the treatment of over-indebtedness situations;
16) extrajudicial treatment;
17) Judicial Treatment;
18) the compulsory renegotiation of debts.