<?xml version="1.0" encoding="ISO-8859-1"?><article xmlns:mml="http://www.w3.org/1998/Math/MathML" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<front>
<journal-meta>
<journal-id>2301-0665</journal-id>
<journal-title><![CDATA[Revista de la Facultad de Derecho]]></journal-title>
<abbrev-journal-title><![CDATA[Rev. Fac. Der.]]></abbrev-journal-title>
<issn>2301-0665</issn>
<publisher>
<publisher-name><![CDATA[Facultad de Derecho. Universidad de la República.]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S2301-06652024000201206</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[El deudor sobreendeudado. Un consumidor particularmente vulnerable]]></article-title>
<article-title xml:lang="en"><![CDATA[The over-indebted debtor. A particularly vulnerable consumer]]></article-title>
<article-title xml:lang="pt"><![CDATA[O devedor superendividado. Um consumidor particularmente vulnerável]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Bado Cardozo]]></surname>
<given-names><![CDATA[Virginia S.]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Universidad de la República Derecho Comercial Doctor en Derecho y Ciencias Sociales]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Uruguay</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>00</month>
<year>2024</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>00</month>
<year>2024</year>
</pub-date>
<numero>58</numero>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.edu.uy/scielo.php?script=sci_arttext&amp;pid=S2301-06652024000201206&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.edu.uy/scielo.php?script=sci_abstract&amp;pid=S2301-06652024000201206&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.edu.uy/scielo.php?script=sci_pdf&amp;pid=S2301-06652024000201206&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen La persona física que no realiza actividad empresarial es consumidor y en la mayoría de los casos se habrá sobreendeudado como consecuencia de sus necesidades de consumo. La mayor parte de estas necesidades se satisfacen en el mercado del crédito al consumo mediante la tarjeta de crédito. En la actualidad, con ellas se paga prácticamente todo. A menudo el sobreendeudamiento afecta a otros sujetos. Se alude, entonces, al sobreendeudamiento de los hogares dando al término «hogar» un cariz subjetivo. Asimismo, se menciona al «sobreendeudamiento de la familia» (GUTIÉRREZ DE CABIEDES, 25). El problema adquiere, así, una dimensión social que permite un abordaje desde múltiples disciplinas. Considerar el sobreendeudamiento del consumidor comporta dar entrada a ciertas soluciones inspiradas en los principios específicos tuitivos del Derecho del consumo y, asimismo, restringir su aplicación a las personas que técnicamente se definen como tales en las leyes respectivas. En este trabajo no analizamos el régimen jurídico del consumidor, ni tampoco el régimen jurídico aplicable a los contratos de crédito, pero analizamos, sí, el sobreendeudamiento como consecuencia del acceso al crédito al consumo como principal fuente de financiamiento para la adquisición de bienes y servicios (BIFERALI, 2018, 1839), que en cierto contexto de vulnerabilidad se presenta muy desordenado. El concepto de vulnerabilidad se ha estudiado por diferentes disciplinas. En lo que nos interesa nos enfocaremos en la vulnerabilidad económica y jurídica.]]></p></abstract>
<abstract abstract-type="short" xml:lang="pt"><p><![CDATA[Resumo A pessoa singular que não exerce atividade empresarial é um consumidor e, na maioria dos casos, terá ficado sobreendividada em consequência das suas necessidades de consumo. A maior parte destas necessidades é satisfeita no mercado de crédito ao consumo através de cartões de crédito. Hoje em dia praticamente tudo se paga com eles. O sobreendividamento afeta frequentemente outros assuntos. Refere-se então o sobreendividamento das famílias, conferindo ao termo &#8220;casa&#8221; um aspecto subjetivo. Da mesma forma, menciona-se o &#8220;superendividamento familiar&#8221; (GUTIÉRREZ DE CABIEDES, 2009, 25). O problema adquire assim uma dimensão social que permite uma abordagem a partir de múltiplas disciplinas. Considerar o sobreendividamento dos consumidores implica dar origem a determinadas soluções inspiradas nos princípios protetivos específicos do direito do consumo e, da mesma forma, restringir a sua aplicação às pessoas que como tal são tecnicamente definidas nas respetivas leis. Neste trabalho não analisamos o regime jurídico do consumidor, nem o regime jurídico aplicável aos contratos de crédito, mas analisamos o sobreendividamento como consequência do acesso ao crédito ao consumo como principal fonte de financiamento para a aquisição de bens e serviços (BIFERALI, 2018, 1839), que em determinado contexto de vulnerabilidade se apresenta muito desordenado. O conceito de vulnerabilidade tem sido estudado por diferentes disciplinas. No que nos interessa, concentrar-nos-emos na vulnerabilidade económica e jurídica.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract The natural person who does not carry out business activity is a consumer and, in most cases, will have become over-indebted as a result of their consumption needs. Most of these needs are satisfied in the consumer credit market through credit cards. Nowadays, practically everything is paid for with them. Over-indebtedness often affects other subjects. The over-indebtedness of households is then referred to, giving the term &#8220;home&#8221; a subjective aspect. Likewise, "family over-indebtedness" is mentioned (GUTIÉRREZ DE CABIEDES, 2009, 25). The problem thus acquires a social dimension that allows an approach from multiple disciplines. Considering consumer over-indebtedness involves giving rise to certain solutions inspired by the specific protective principles of consumer law and, likewise, restricting its application to people who are technically defined as such in the respective laws. In this work we do not analyze the legal regime of the consumer, nor the legal regime applicable to credit contracts, but we do analyze over-indebtedness as a consequence of access to consumer credit as the main source of financing for the acquisition of goods and services. (BIFERALI, 2018, 1839), which in a certain context of vulnerability appears very disordered. The concept of vulnerability has been studied by different disciplines. In what interests us, we will focus on economic and legal vulnerability.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[sobreendeudamiento]]></kwd>
<kwd lng="es"><![CDATA[vulnerabilidad]]></kwd>
<kwd lng="es"><![CDATA[crédito al consumo]]></kwd>
<kwd lng="es"><![CDATA[consumidor]]></kwd>
<kwd lng="es"><![CDATA[Directivas.]]></kwd>
<kwd lng="pt"><![CDATA[superendividamento]]></kwd>
<kwd lng="pt"><![CDATA[vulnerabilidade]]></kwd>
<kwd lng="pt"><![CDATA[crédito ao consumo]]></kwd>
<kwd lng="pt"><![CDATA[consumidor]]></kwd>
<kwd lng="pt"><![CDATA[Diretivas]]></kwd>
<kwd lng="en"><![CDATA[overindebtedness]]></kwd>
<kwd lng="en"><![CDATA[vulnerability]]></kwd>
<kwd lng="en"><![CDATA[consumer credit]]></kwd>
<kwd lng="en"><![CDATA[consumer]]></kwd>
<kwd lng="en"><![CDATA[Directives]]></kwd>
</kwd-group>
</article-meta>
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