<p>The contemporary economic reality influences in the personal development of the individual, considerably in the solvency of the consumer and in the incidence of the decision to acquire goods and services. Added to this, the obligations of legal origin, those taxes such as fees and penalizing, contribute to generate undesirable situations in people, those are reflected in their assets, which lead to situations of difficult personal, family and professional development. It is the interest of the legislator to grant eases for people, in order to achieve appropriate outputs in accordance with the interests of creditors, and the needs of debtors, to save credit credibility and promote responsible access to credit.</p>