The processes of indebtedness on the part of the states have been constant and carried out for various reasons in different countries.In the case of countries in the process of development or with problems to achieve it, different spaces have been created to modify the type of debt and the processes to pay it.However, all this generates a socio-economic problem that affects, especially, low-income citizens.In the present work, it is studied in depth the processes of indebtedness and, mainly, the modifications to them by means of the payment facilities. In turn, its impact is evaluated andcontrasted with an ethical view of the problem.

The processes of indebtedness on the part of the states have been constant and carried out for various reasons in different countries.In the case of countries in the process of development or with problems to achieve it, different spaces have been created to modify the type of debt and the processes to pay it.However, all this generates a socio-economic problem that affects, especially, low-income citizens.In the present work, it is studied in depth the processes of indebtedness and, mainly, the modifications to them by means of the payment facilities. In turn, its impact is evaluated andcontrasted with an ethical view of the problem.

Los procesos de endeudamiento por parte de los estados han sido constantes y realizados pordiversos motivos en diferentes países.En el caso de países en proceso de desarrollo o con problemas para alcanzarlo, se han producidodiferentes espacios para modificar el tipo de deuda y los procesos para pagarla.Sin embargo, todo esto genera una problemática socioeconómica que afecta, especialmente,a ciudadanos de bajos recursos.En el presente trabajo, se estudia a profundidad los procesos de endeudamiento y,principalmente, las modificaciones a los mismos por medio de las facilidades de pago. A suvez, se evalúa su impacto y se contrasta con una mirada ética de la problemática.

The processes of indebtedness on the part of the states have been constant and carried out for various reasons in different countries.In the case of countries in the process of development or with problems to achieve it, different spaces have been created to modify the type of debt and the processes to pay it.However, all this generates a socio-economic problem that affects, especially, low-income citizens.In the present work, it is studied in depth the processes of indebtedness and, mainly, the modifications to them by means of the payment facilities. In turn, its impact is evaluated andcontrasted with an ethical view of the problem.