Brazil ended 2025 with a troubling debt situation, as indicated by the recent report from the National Confederation of Shopkeepers and the Credit Protection Service, revealing that 73.49 million consumers are in default, which accounts for 44.02% of the adult population. This marks a 10.17% increase compared to the previous year, highlighting not only the persistence but also the intensification of the debt crisis. The situation is worsened month-over-month, with a 0.87% rise in debtors from November to December 2025, and a staggering 17.14% increase in overdue debts relative to the same period last year.

This massive indebtedness has a direct impact on condominium management, as nearly half of the adult population struggles financially. Such a scenario leads to increased late payments of condominium fees, creating cash flow issues for building managers. The financial strain can hinder the maintenance and improvement of communal facilities, affecting the overall living conditions for residents and potentially escalating disputes among them.

As the trend of rising defaults continues, condominium associations may need to implement stricter collection practices or think about introducing financial aid programs to help residents in difficulty. The implications of this indebtedness extend beyond individual properties, potentially affecting housing markets and local economies, as well as prompting discussions around economic policies aimed at alleviating the debt crisis and protecting consumers.