we visit swelie at home. she lives in a rented house. small, but lacks for nothing in the kitchen. she has three daughters and the girls always want something. everything is bought on credit. she says that is the only way she can manage. >> i just can't pay the bills on time. then there is more and more interest, and then i really cannot pay. it snowballs. that is the truth. at the end of the month, it is more than tight. i take a bit away here to plug a hole there. i try to get through somehow. >> at some point, not even that work anymore. sueli sought help from a credit counselor. he says more and more small entrepreneurs get into trouble. it is a typical lower middle class problem. he blames the government for the situation. >> the amount of debt is so great because brazilians were encouraged to spend more. borrowing limits were increased, and it has become much easier to get a loan. but now more than 62% of the population is stuck in this cycle of debt. >> that is problematic for an economy that relies greatly on consumption. last ye