“…Therefore, overindebtedness would not only be linked to the compulsion caused by facilities, advertising and the entire psychological aspect, but also to the lack of information on the best way to manage expenses. However, according to Friedman, advertising does not manipulate the consumer: "The real objection of most critics of advertising is not that advertising manipulates tastes, but that the public, for the most part, has superficial tastes.... " (Friedman, 2015). In any case, financial education proves to be an important tool for recovering from default, better ways of managing and saving, something emphasized in law 14,181/2021, called the Over-Indebtedness Law (Brazil, 2021).…”