Proteção Contratual
Autor: José Carlos Soares | Publicado: 2010-12-03T09:55:00-02:00

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          O Código de Defesa do Consumidor garante a igualdade nas     contratações, possibilitando modificação ou supressão de cláusulas     contratuais desproporcionais, que provoquem desequilíbrio entre o     consumidor e o fornecedor. 

O que é contrato?

- É um acordo em que as pessoas assumem obrigações entre si. 

O que é contrato de adesão?

- Nem sempre o contrato é elaborado e escrito pelas partes. Se uma das     partes apresenta a outra um contrato já elaborado e impresso para assinar,     será chamado de contrato de adesão. 

O contrato deve ter:

- Linguagem simples;
- Letras em tamanho de fácil leitura;
- Destaque nas cláusulas que limitem os direitos do consumidor.

Regras gerais para qualquer tipo de contrato:

O Código de Defesa do Consumidor garante o equilíbrio dos direitos e     obrigações na assinatura de qualquer tipo de contrato. Assim, não são     permitidas cláusulas que:

a) Diminuam a responsabilidade do fornecedor no caso de dano ao consumidor;

b) Proíbam o consumidor de devolver o produto ou reaver a quantia já paga     quando o produto ou serviço apresentar defeito;

c) Estabeleçam obrigações para outras pessoas além do fornecedor e do     consumidor;

d) Coloquem o consumidor em desvantagem exagerada;

e) Estabeleçam obrigatoriedade somente para o consumidor apresentar provas     no processo judicial;

f) Proíbam o consumidor de recorrer diretamente a um órgão de proteção ao     consumidor ou à justiça, sem antes recorrer ao próprio fornecedor ou a quem     ele determinar;

g) Possibilitem ao fornecedor modificar qualquer parte do contrato, sem     autorização do consumidor;

h) Estabeleçam perda das prestações já pagas por descumprimento de     obrigações do consumidor.

Como proceder quando seu contrato apresentar alguma cláusula abusiva?

Ler atentamente o contrato é de fundamental importância. Quando encontrar     alguma cláusula com a qual não concorde, questione e proponha sua alteração     ou supressão antes de assinar. Se a outra parte não concordar, o consumidor     deverá levar seu contrato ao órgão de defesa do consumidor que convocará o     fornecedor para explicações e eventual acordo. Quando o problema atingir     vários consumidores contra o mesmo fornecedor, esse órgão defenderá todo o     grupo.

Se o consumidor preferir poderá procurar um advogado de sua confiança, uma     associação de defesa de consumidores ou, não tendo recursos, a assistência     judiciária gratuita do Estado.    
  
Fonte: http://www.endividado.com.br