Four Problems Unusually Seemed by the Judges in Brazilian Payroll Loans
Marcos Catalan

Abstract
The Consumer Society is notable for producing messages that will be decoded by the recipients as the manna which will give some meaning to their existences. It managed to turn consumption into a social imperative. The need to consume generated mechanisms of access to credit, including the consigned credit, which consists of a loan secured by authorization to deduct the amount owed from the payroll of the debtor. In Brazil, it was thought of as one of the bridges that would lead to the growth of the economy and the social inclusion of millions of people in the last decade. Even though consigned credit has provided many Brazilians with a more dignified life, it is important to note the many aspects not yet adequately analyzed. Among those aspects are issues related to (a) the maximum percentage that can be deducted from the payroll of the debtor, (b) the conduct of advertising on the topic, (c) the interest rates charged by the Market and, finally, (d) the inadequacy of a theoretical support that informs judicial decisions that seek the solution to claims arising from these contracts.

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