THE POSITIVE REGISTRATION OF CONSUMERS AND THE OVER-INDEBTEDNESS OF THE ELDERLY: an analysis of the consumer society from the liquid world of Zygmunt Bauman

Abstract

This article analyzes the phenomenon of consumerism in the 21st century and how positive records have influenced the granting of credit and contributed to the over-involvement of the elderly, since the acquisition of goods, products and services is a form of denial of old age. Thus, the problem that is sought to answer is: in the face of the aggravated vulnerability of the elderly in the face of facilitated credit granting supported by positive records, can it lead to consumerism and, consequently, to over-involvement? To this end, the article contains three topics. First, it will deal with the concept of credit, its relevance in consumer relations, as well as its contribution to over-involvement. In sequence, the second topic will analyze the legislation on positive registration, subsequently amended by Complementary Law 166/2019. Based on the concepts discussed above, the influence of databases on the direction of credit supply to the elderly and their possible consequences will be analyzed. To answer the problem, the investigation used the deductive approach method and monographic procedure, using bibliographic research, concluding that the databases of good payers are tools used to target the aggressive offer of credit to the elderly consumer, aggravating their vulnerability, leading to over-indebtedness.