Análise do tratamento do superendividamento por meio do “Programa Cejusc repactuar” do centro judiciário de solução de conflitos e cidadania (Cejusc) da comarca de Palmas/TO

Abstract

This is a technical research report linked to the Instruments of Jurisdiction, Access to Justice, and Human Rights line of the Interdisciplinary Professional Master's Degree in Judicial Services and Human Rights at the Federal University of Tocantins (UFT) and the Tocantins School of Magistrates (ESMAT), which aimed to analyze the actions developed by the CEJUSC Repactuar Program in the District of Palmas/TO, assessing its effectiveness in the financial restructuring of those under its jurisdiction. Over-indebtedness is a social and legal phenomenon of growing incidence in Brazil, with severe impacts on the lives of consumers, especially the most vulnerable. With the enactment of Law No. 14,181/2021, the legal system now provides specific mechanisms for the prevention and treatment of this condition. The proposed investigation adopted a quantitative-qualitative approach, with the collection of statistical data from court cases filed at CEJUSC Ulbra between May 2022 and December 2023, as well as the application of a questionnaire to users of the program. The results revealed the relevance of the service provided, even though structural challenges persist, such as the low rate of agreements and the slowness of the process for judicial enforcement of the payment plan. The research also proposed measures to improve the program, including the implementation of evaluation indicators and the ongoing training of conciliators and magistrates. The academic products developed — scientific article, audiovisual teaching material and this report — contributed to the dissemination of knowledge on the subject and to promoting greater visibility for the program. It is concluded that CEJUSC Repactuar represents a promising avenue for access to justice and effective confrontation of over-indebtedness, provided it is adequately structured and strengthened.