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Causes of Over-indebtedness

These are some of the causes

Drop in income: motivated through unemployment, death of a member of the family, etc

Increase in expenditure through poor budget management, unexpected expenditure, unnecessary expenditure etc. Compulsive buying and /or irrational use of cards (purchase cards, credit or debit cards) in commercial establishments, via Internet or television sales, by mail order catalogue, etc

The aggressiveness and efficiency of advertising campaigns which cause the consumer to fall into over-indebtedness

Asking for loans, without careful analysis of contracts to discover whether they contain clauses that hide the truth cost of the operation



		Causes of Over-indebtedness These are some of the causes Drop in income: motivated through unemployment, death of a member of the family, etc Increase in expenditure through poor budget management, unexpected expenditure, unnecessary expenditure etc. Compulsive buying and /or irrational use of cards (purchase cards, credit or debit cards) in commercial establishments, via Internet or television sales, by mail order catalogue, etc The aggressiveness and efficiency of advertising campaigns which cause the consumer to fall into over-indebtedness Asking for loans, without careful analysis of contracts to discover whether they contain clauses that hide the truth cost of the operation
	Enjoyment of one or various loans- without having previously studied the financial situation at that moment , or the foreseeable situation during the validity of the contract.