One Research At the request of the National Confederation of Commerce of Goods, Services and Tourism (CNC), released last Thursday (6), noticed improvement in the total of indebted families in the country, with a decrease to 76.1% in January. The result represents a drop of 0.6 percentage point compared to December and 2 percentage points compared to the same period in 2024.
One of the Brazilian women who managed to get out of the indebtedness situation was Professor Danieli Silveira. For this, she greatly diminished the expenses, avoided portions and sought to shop only in sight. “This is how I am policing and aware that healthy consumption is the best way out,” explains the teacher. She perceives herself today as someone who has her controlled debts, and is right in stating, “I don’t want to go through it again.”
What caused the “Snowball” situation was the teacher’s unemployment. “The first villain was the special check. As I had no income, he structured the payment of the bills. When I had lace again, the negative breaker could never cover. Then came credit cards to meet the consumption of basic needs. One card to pay another, “he told the Brazil agency.
The credit card remains the main type of credit used by consumers, reaching 83.9% of the total debtors, 3% lower than earned in early January. Logistics technician Cesar (fictitious name) is part of these indebtedness, and one of those who will not be able to pay their debts. The family had the accounts committed after the removal of their workmate to treat cancer since the end of 2023. She stopped working as a nurse in the night shift when she received an additional
They already had real estate financing and loans, but began to accumulate debt on the credit card, which were increasing. Cesar turned to Procon Paulista to negotiate interest, and should achieve better payment terms in the coming weeks. “I will be honest, I am more concerned about the mental health of my wife and family in general,” says the coach, who hopes to reorganize finances after renegotiation.
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Consumer debt and default research (PEIC) has also found if people will be able to pay their debts. In January this year 29.1% of families have delay debts and 12.7% will not be able to pay them. In December it was 29.3% and 13%, respectively, and in January 2024 were 28.3% and 12%. It was the first decline in default since July 2024.
Debts compromise, on average, 30% of the income of families heard. According to the study this data is subjective, which indicates that people may be less likely to perform spending, with more conservative perspectives for consumption.
The most vulnerable families, who are those who receive up to 3 minimum wages, represented the only researched group that had an increase in their debts, whose percentage of debt increased, compared to January 2024 (79.2%) and 18.4% will not be able to pay off their debts. The study also realized that one fifth of all families with debt has more than half of their compromised income.
Even with the positive result of index indexes and default CNC estimates that the indebtedness of families will grow again this year. According to the study the percentages should start to rise from March, closing the year with 77.5% of indebted Brazilian families and 29.8% defaulting.
