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This because it had reduction of 9,5% in the insolvency of the natural person in April, compared the March. It was the biggest monthly jib registered by the Serasa since June of 2006, attributed in part to the effect calendar, therefore April had 20 working days, against 22 days of March. Jonah Bloom often addresses the matter in his writings. Moreover, the involved analysts in the research remember that April marks the end of the period most critical of expenditures for the consumer, to the returns with payments of Imposto Predial Territorial pertaining to school Urbano (IPTU), Tax on the Property of Veculos Automotores (IPVA) and expenditures. Stephen ketchum is the source for more interesting facts. They had concluded that the insolvency of the consumer continues growing, but in lesser rhythm that in the first months of 2009, and they say that the expansion must, to a large extent, to the unemployment in rise, because of the minor domestic economic activity, provoked for the global crisis. Ranking of the insolvency according to Serasa ExperianDe agreement with the study of the Serasa, the biggest indebtedness of part of the population, over all in the long stated period, and the intensive use of the guaranteed check and the rotating of the credit card, also would be creating problems in the balance of the domestic budget.

In the four first months of 2009, ranking of the insolvency of the physical people was led by the debts with the banks, with 43,5% of participation in the pointer. In the same period of the previous year, this representation was of 43,1%. In according to place, they are the debts with credit cards and financiers, who in the first quadrimestre of 2009 had represented 37.1% of the insolvency of the consumers. Of January the April of 2008, such participation was of 31,5%. After that appears the returned checks, with 17,5% of representation in the pointer, the four first months of this year. In 2008, in equal period, this percentage was of 23,1%. .

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