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TJ/RS – Mudanças em legislação protegem idosos das armadilhas do crédito fácil e do superendividamento

26 de julho é celebrado o Dia dos Avós. Longe do estereótipo dos velhinhos que ficam em casa cuidando dos netos, a população idosa é a que mais cresce no país e está cada vez mais jovial e ativa. São eles também os que mais sofrem com a pandemia de Coronavírus, tanto pelos impactos mais severos da doença quanto pelo isolamento social. E também pela crise econômica que ela provocou, colocando os idosos como os principais responsáveis pelo sustento da família. Com isso, eles se tornaram vítimas ainda mais suscetíveis a ofertas enganosas e ao endividamento. A boa notícia é que o Código de Defesa do Consumidor (CDC) sofreu mudanças para proteger esses consumidores de armadilhas que possam comprometer o próprio sustento básico.

Em Porto Alegre, o Poder Judiciário criou o CEJUSC 60+, voltado ao atendimento de demandas de pessoas idosas. De acordo com a Juíza de Direito Dulce Ana Gomes Oppitz, Coordenadora dessa unidade e do CEJUSC POA, as situações mais frequentes verificadas são de endividamento por empréstimos consignados cujo valor foi utilizado com filhos e netos, inclusive em prejuízo do próprio sustento do idoso. “A crise econômica decorrente das medidas sanitárias impostas para o controle da pandemia do Coronavírus gerou a perda de emprego de muitas pessoas mais jovens, pais e mães de família, que acabam se socorrendo dos parentes mais velhos, porque estes têm renda mensal garantida através de seus benefícios de aposentadoria, às vezes onerando-os com empréstimos que não conseguirão pagar”, observa a magistrada.

Consequentemente, aumentou a busca por crédito, inclusive para o custeio de despesas básicas com alimentação e moradia, que compõem o mínimo existencial do indivíduo. “Em consequência disso, o aumento do número de pessoas idosas que usam o benefício previdenciário para sustentar descendentes e outros familiares que, sozinhos, perderam a autonomia financeira, é significativo. Atualmente, essa circunstância é um fator que contribui de forma muito expressiva para o aumento do endividamento da população idosa”, ressalta a Defensora Pública Aline Palermo Guimarães, dirigente do Núcleo de Defesa dos Direitos Humanos e Coordenadora do Centro de Referência em Direitos Humanos da DPE/RS.

A dificuldade de acesso a atendimento presencial em bancos, lojas e a um sem-número de serviços habituais forçaram a população a usar a forma virtual. “O que, especialmente para os idosos, torna o atendimento precário e as informações deficitárias, pois a comunicação, nessa forma de atendimento, ficou muito prejudicada”, destaca a Defensora Pública Ana Carolina Sampaio Pinheiro de Castro Zacher, que dirige o Núcleo de Defesa Cível e coordenadora da Câmara de Conciliação da DPE/RS.

Assim, os empréstimos consignados, que são fáceis de contratar, são os que mais surgiram nesse período, e os que mais geram superendividamento no caso dos idosos, que muitas vezes não compreendem os termos da contratação. “Cartão de crédito, da mesma forma, gera alta dívida e é de fácil contratação por parte do consumidor idoso, que usa para a aquisição de medicamentos e gêneros alimentícios”, frisa Ana Carolina.

Fonte: TJ/RS

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