Anticipated campaigns of negotiation of debts, customers who do not pay its parcels, reduction of the power of purchase of the wages, rise of the interests These subjects had been notice in the last days. A study made for a private consultoria it pointed that the indebtedness of the Brazilian families (in the credit card, guaranteed check, banking financing, consigned credit, credit for purchase of vehicles and property) represents 40% of the annual mass of incomes of the work and the paid benefits for the Social welfare in the country. That is, the suppliers of these families need to work 4,8 months to pay these debts. This takes in them to conclude that the loaned money is a very expensive product, that could be compared with the mark clothes, to the imported cars or the eatable ones very sophisticated. According to Leaf of So Paulo, the indices of insolvency for sector would be the following ones: CREDIT CARD: 26.2% ACQUISITION OF OTHER GOODS: 12.7% GUARANTEED CHECK: 9.0% PERSONAL CREDIT: 4.6% ACQUISITION OF VEHICLES: 3.6% But, on who depend to type the password of the credit card, to sign the check, to sign the credit order or to decide the acquisition of a vehicle? It depends on the bank, the operator of credit card, on the financier or the titular person of the card? Many people have a trend to leave to the others the responsibility for its decisions. ' ' I did not have choice, I needed to buy ' ' , ' ' The salesman insisted tanto' ' or ' ' I needed to buy therefore my namorada went to be very disappointed with me ' ' or ' ' It/It had a so great illusion, could not leave to buy! ' '. Most of the time he seems that the purchaser turns a species marionette, being controlled for the others and always saying YES.