Um olhar sobre o idoso superendividado: a publicidade de crédito consignado abusiva

Abstract

The current society is marked by diverse and complex relationships, and from this reality specific situations emerge, such as over-indebtedness. This phenomenon is complex and has different perspectives to analyze and understand, either by the means that lead to it (mainly credit acquisition), or by the people who use these means, or by the phenomenon's catalysts. In this sense, taking as a starting point the phenomenon of over-indebtedness of retired elderly people or pensioners due to the use of payroll loan credit within the context of consumerism in contemporary society, this paper aims to analyze the influence of advertising, as it is currently used, on the problem of over-indebtedness. Thus, through theoretical research and critical content analysis, it was outlined that the advertising of payroll loan credit, used as a means of information, is misleading and exploits the hypervulnerability of the elderly consumer, being, therefore, one of the catalysts of phenomenon of over-indebtedness of retired elderly people and pensioners.