Superendividamento: um fenômeno socioeconômico decorrente da difusão do consumo e a sua análise à luz das evoluções legislativas americanas e francesas frente ao PL 283/2012

The indebtedness should be contextualized with the consumerism society, culture and economic politic which are leveraged by consumption. By this cross-section, it might be verified that the indebtedness is a socioeconomic phenomenon resulting from the consumption´s diffusion which should guide any normative related to it. Likewise, the American and French experience should be regarded, because they have their own legislation, specially after the evolution of these two systems because they are moving towards a symbiotic approach. By this methodology, it will be possible to trace considerations of the bill 283/2012 Reform of the Protection Consumer Code that intends to regulate the subject of granting credit and furthering indebtedness.