Google Cloud Speech-to-Text API (Chirp) + Gemini 2.5 Flash Non-Thinking. Treat it as a searchable index of what was broadcast, not a quotation record.
00:00:02Well, more normal messages and watch whose side you
00:00:15popular, the neighborhoods and so on became indebted
00:00:19in the informal market, no, the informal indebtedness is terrible Ramiro,
00:00:23how do they stop the issue of neighborhood loan sharks, for
00:00:27example?
00:00:30It's tremendous, it's tremendous, and the embargo pest generally becomes a
00:00:34narco, this narco who now instead of, let's say,
00:00:37collecting, yes,
00:00:40mortgaging the health of our children and the daughters of
00:00:44vulnerable sectors and everyone
00:00:47in general, now that return has more return by lending
00:00:52that are called money, the situation that is being raised in vulnerable neighborhoods and throughout Argentina
00:00:56with the situation we are experiencing is tremendous. You talk about the
00:00:59informal. You talk
00:01:01here, from about the informal issue, let's say, what
00:01:04would you do or what would an Argentine man or woman do
00:01:08if on the 20th they don't have absolutely
00:01:10500,000, here he puts a little bit of what any more money and they have to give breakfast and food
00:01:14to their son or daughter, they see a virtual wallet, the possibility of
00:01:18taking out 100,000 pesos and their account is at
00:01:20zero, yes,
00:01:23they obviously execute. Now for those 100,000 pesos, if they are
00:01:27capable of charging you 1,300,000 pesos, then that is the problem,
00:01:31the unreasonableness and the
00:01:361 the government started with ease with which they took decree 7023 and they
00:01:39charge whatever they want, clear, yes, you're right, and we
00:01:43always point it out, the issue that obviously in need there is no
00:01:46rate that you analyze because you have a need, you don't even realize
00:01:50that the one who is lending to you will obviously break your door and take
00:01:54any appliance to
00:02:04everyone get into debt, it says we are sinking, the retirement
00:02:07goes into services, there are no increases, well, these are clear,
00:02:11well, these are the typical complaints that also have to do with and lead to the vicious circle of
00:02:15indebtedness, Ramiro, I wanted to ask you, I heard many
00:02:18important communicators even speak
00:02:21well of virtual wallets and that if it weren't for Galperín, certain people would not
00:02:25have access to credit, what do you
00:02:26tell them?
00:02:31Minister of Security recognized That Galperín is part of all the usury that there
00:02:34is in Argentina, for every peso he charges you, he can charge
00:02:38you 1300 pesos in the framework of
00:02:41a recognition, not all subsidies in a credit for each peso he charges you, usury is a classified
00:02:45conduct in the criminal code,
00:02:47Argentina, in article 175 bis of the criminal code, the
00:02:50Ersas, the Browns, the Galperíns, the
00:02:53Britos should
00:02:57realize what they are committing.
00:03:16who wants to tell us what is to clarify what they spend with those
00:03:20credits they ask for, not because today
00:03:23there is a lot of talk about
00:03:26this being money that they allocate to eat.
00:03:30physically, it's not that they're going to buy a TV as
00:03:34that I already told you, with the issue of Minister Caputo said,
00:03:37no, Minister Caputo,
00:03:40they have no idea of the situation that Argentines are living
00:03:44in, more than 86 or 90% of the
00:03:48credits are for food, what's more,
00:03:51look,
00:03:53where does that data come from, the surveys they
00:03:57do are a non-organization, Ramiro, yes.
00:04:12were you surprised by what
00:04:18know
00:04:30to appear before the media is very difficult, but the number of
00:04:33queries we receive are exponential, yes,
00:04:39income was to know a little because what every, every day more, yes, we see how how
00:04:43unfortunately situations are reproducing where to face the
00:04:46emergency they have to access credits and then they intend
00:04:50to charge them usurious interest on the little
00:04:53credit they had access
00:04:56service for what she owes, which is what to in order to live and eat, you are in the same situation, you represent it.
00:05:01Uh, as a job, I am representing the people and
00:05:04yes, no, no, no, I am, I am representing it as part of the movement
00:05:08of indebted families, not
00:05:1124, 25, what only am I representing.
00:05:19not only for that, not only are we, not
00:05:23only am I representing the movement of indebted families, but there are lawyers
00:05:26in different places in the province of Buenos Aires, places in the country, in La
00:05:30Plata, in Bahía Blanca, in Salta, in Jujuy, who
00:05:33solidarity put our credentials at the
00:05:37disposal of the needs of the Argentine people to be able
00:05:40to represent and for people to know how to defend themselves.
00:05:43Now, did you think about the aesthetic of this protest for any special
00:05:46reason? I see it's quite peculiar,
00:05:49you have these eh posters and so on, do you want
00:05:52to tell something through this
00:05:54aesthetic?
00:05:57No, what the aesthetic helps us for is to identify ourselves, there are many groups
00:06:01of indebted families
00:06:04in another way, no, but I'm
00:06:07referring to the drumming, to the
00:06:11casseroles. No politics
00:06:14what I see, because I mean, sometimes they think that the issue of the indebted has to do only
00:06:20with a political sector, no, I mean, they have blamed
00:06:24the opposition above all, here it seems to me that it is a
00:06:28problem that involves everyone, beyond the political banner,
00:06:32no, totally and absolutely, totally and
00:06:35absolutely, it is as you say, I have nothing more to add,
00:06:38I have nothing more to add to that, here it is not a matter of political banners.
00:06:42Yes, what we want to do is solve a problem of Argentines, this
00:06:482.7% of families indebted with arrears of more than 90
00:06:51days and this government today is at
00:06:5412.9%
00:06:58for the record, if anyone has any doubts, these are not
00:07:01data from the central bank, that flag, that red rag, what
00:07:04is it?
00:07:07Also, clear, here behind
00:07:09him, uh...
00:07:42to evaluate, let's say, with how much of each of the
00:07:46credits, rolling back the situation would be to reverse
00:07:50the decree
00:07:51exactly
00:07:54that is, to regulate, so that the state takes the initiative,
00:07:58here we are not asking for subsidies, we are asking that the
00:08:01state take absolute initiative not to allow banks
00:08:05to execute usury, the situation is rolled back, the
00:08:08capital that each one took out is analyzed, a rate is
00:08:25Ramiro, do you have anyone
00:08:29happening, how much they owe, who
00:08:31they
00:08:33owe?
00:08:38Yes, there are many, there are many, there are many, there are many people that
00:08:41we can take as testimony, but well, what happens is
00:08:46shame, many people don't want to, but let's see, let's see, let's
00:08:50put the microphone here for the people, hello, how are
00:08:53you, all good, all good, well, what's your name, Karina is also
00:08:57indebted, yes, she is indebted, what is your
00:09:00situation, and my situation is complicated because I asked for a
00:09:03loan through the application,
00:09:06uh, it kept increasing,
00:09:09uh, it's impossible to pay. Because the truth is
00:09:13that, how much did you ask for and how much do you have to return, I had
00:09:16asked for uh 1,600,
00:09:19well, I stopped paying, the application keeps
00:09:22asking you, this I asked for it again because you see that
00:09:25the application puts you again, and it's a
00:09:28wheel that never stops
00:09:30unfortunately and one out of necessity uh takes
00:09:33it, either for medication, or to pay a
00:09:37debt, or to pay electricity or some
00:09:40service, well that's the way it is. And
00:09:43unfortunately I'm still that way now, in your particular case
00:09:47uh you wanted to ask me what your
00:09:51we often question is that they offer money knowing
00:09:55that you won't be able to pay it back, no, so what was your income
00:09:58and if you want to tell me why you took out that
00:10:01credit, those credits.
00:10:04Well, uh, yes, yes, uh, that
00:10:08credit, first of all, my income is 350,
00:10:10350
00:10:13uh, of course, after some time, the
00:10:15application gives it to you, because otherwise it wouldn't give it to you, uh, I asked for it,
00:10:19I didn't ask for it, it came out in the application, I asked for it at the
00:10:22time because I was in...
00:10:25Complicated with a family situation through
00:10:28that I left it, it was
00:10:31being paid and then I couldn't pay it anymore and
00:10:35that keeps going up unfortunately, it is now, for
00:10:39example, now that 1,600,000, imagine that
00:10:43she had 305 income, they offer
00:10:471,600,000 pesos, what is that
00:10:50600,000 today, more or less to have an
00:10:53idea.
00:10:56Uh, and now I'm at 3 million, 3 million
00:11:00pesos, at 3 million, that is, what
00:11:03am I owing, because it keeps accumulating and
00:11:07that's the problem, and to pay one bill I ask for another,
00:11:11that's how it is, it's a wheel that never
00:11:13ends, do you owe anyone else besides that wallet,
00:11:17do you owe anyone else besides that virtual wallet, any person from your
00:11:20neighborhood, no,
00:11:23no, no, thank God, no, because it gets
00:11:26ugly, but no, no,
00:11:29only there and I owe the electricity bill too, I warn you, I have the bill
00:11:33here, 400,000,
00:11:36uh, please, that Edenor waits for me, do you have it to show the bill of the
00:11:3940,000 pesos, yes, yes, I
00:11:42have it, but for 40,000, for
00:11:45400, only one period, because you see that there are many who don't
00:11:48believe that these numbers come for only one period 400, it can
00:11:52be an accumulated debt.
00:12:00I mean, it's strange that a typical family
00:12:03spends 40,000 in a single period, well, now we see how
00:12:07this debt is composed.
00:12:11Let's see, it accumulated, oh, well, well, that's why it accumulated,
00:12:14because otherwise in one period
00:12:1840,000, it's strange for a typical family to spend
00:12:21that much, it's part of the debt, look how it turned out.
00:12:25Well, well,
00:12:28a person can't have a debt for something as basic
00:12:32as electricity of 40,000 pesos, they get paid 3 or 4
00:12:36months, it's rare that they haven't cut off their electricity yet, because generally now we
00:12:40ask her because Facu is back, sorry,
00:12:43Facu, if you can ask her why they didn't cut off her electricity and if she can show us the bill so that it's on
00:12:55show
00:12:59you, uh,
00:13:02here, clear, 401 pesos,
00:13:06no, the cutoff notice, she has the cutoff notice and owes
00:13:0940,000 pesos earning 305, guys, and
00:13:13since when, total of the period 24, that
00:13:17is, in the period she spent 24, what happens is that she has a previous
00:13:20balance of more than 350, that is, more in our
00:13:24favor. Clear, she has a debt, in the period she spent 24, but we are
00:13:27explaining that the 24 turned into 40,000 pesos, but since when,
00:13:31ma'am, no, but she has a balance, but let's see, clear, I want to ask
00:13:35her since when she has not been able to pay the electricity
00:13:38service, because per period, clear, as Fiora says, she pays
00:13:42twenty-something, twenty and something, yes,
00:13:45well, yes, yes, it's been a couple of months and I went to
00:13:49see if I could do it in comfortable installments, they gave me a
00:13:52number to call, that way. Because otherwise they don't
00:13:56do it now, well, nothing, I'm determined to do it
00:13:59soon, so well, that, a payment
00:14:03plan, clear, for now we celebrate something, they didn't cut it off,
00:14:07that's good,
00:14:10but the notice already arrived, so at any moment it can
00:14:12happen,
00:14:15clear, well, let's see, we are telling Onosa's story,
00:14:19thank you very much, thank you very much for your testimony, for being
00:14:23brave enough to tell it on a communication medium.
00:14:26Now let's look for more testimonies, Facu,
00:14:37we told, a million, let's see, 600
00:14:40thousand they gave a person who earned 30,000 pesos there,
00:14:44that cannot exist, I mean, how can it be that first
00:14:47of all, a, no, wait, wait, we have to see who gives the
00:14:51credit, that's why it's a virtual wallet, how
00:15:05500 exact, there is no regulation for virtual
00:15:08wallets that determines that this is one of
00:15:12the many, exact, one of the 50 projects says
00:15:16exactly that it should be in accordance with your income, but the
00:15:20government tells you it's an agreement between private parties and the person asked
00:15:22for it.
00:15:37also, today there are so many Tami rulings in favor of
00:15:41the indebted, yes, let's see, uh, they are coming out, uh, look, the other day
00:15:44I had the opportunity to comment on a ruling in a legal magazine that spoke
00:15:48of a preventive composition of a woman who had
00:15:51become indebted because she had a health problem, her father, then her
00:15:55brother, taking credits, credits, credits, and so she
00:15:59presents herself, asks for her own preventive composition and the
00:16:02judge tells her okay, it's perfect, she's authorized to do it
00:16:06because in particulars it's sometimes difficult.
00:16:08He also tells her: you won't have to return the 20%
00:16:12stipulated for the creditors,
00:16:14he directly lifts all attachment measures, her salary is
00:16:18clean, it was a municipal salary, this is in Río Negro, I'm telling
00:16:22a ruling from Río Negro del Bolsón, and that was a very important precedent
00:16:26because justice told this woman, if you continue with
00:16:30an attachment on your head, you will never be able to get out of
00:16:33this, he says it with legal words, no, but that ruling is very important,
00:16:37just woman, the other day I read an article that eh women under
00:16:4125 years old are the ones who default, that
00:16:44is, they constitute the highest rate of delinquency in
00:16:48the country and because perhaps they are the ones who earn the least, that
00:16:52is, under 25 years old, I don't know if more
00:16:55consumption is not stipulated, but they do have
00:16:58perhaps salaries eh lower, not that Fiora makes
00:17:17household, clearly, you think, how
00:17:21to answer us, that they go to the supermarket to buy
00:17:55rely and back myself up with data, with numbers, I understand little about economics but
00:17:59in this case I emitted a
00:18:01piece of data that arose from, I'm going to name the report
00:18:04prepared by the Center for Urban Studies, I don't know why many
00:18:15don't know it, that it's not
00:18:19part of the social reality of
00:18:25what happens is that the only thing we always differentiate and that seems
00:18:28right to me is that one thing is debt and another thing is
00:18:31arrears, I mean debt is something that is fine, I mean people
00:18:35often get into debt. I am indebted, clear,
00:18:39uh, another thing we are talking about are the
00:18:42defaulters, the people who owe
00:18:45that debt they acquired and cannot pay it, and beyond
00:18:49that, at the socio-economic level that
00:18:53we are living, you are there, one thread away from always becoming, with
00:18:56the rope around your neck, from becoming
00:19:06us about situations, she says hello, I am retired, I receive the minimum,
00:19:10my electricity bill was
00:19:12544,
00:19:15yes, do you know how much she receives, 361,
00:19:18plus the bonus, wait, wait for me to finish, plus the bonus she says, I eat once a day,
00:19:22I have bitter mate for breakfast, I took out a loan, they
00:19:25deduct it and I only have 2 pesos left in hand, how
00:19:29do I do it, she tells me, because I have to pay for medication and bread for free, I'm going to
00:19:33get this, I can't tell you what to do,
00:19:36ma'am, retirement so that you don't
00:19:39have
00:19:47disposable salary to eat, so that has to be requested judicially, the lifting of the
00:19:51debit or you have to change the payment
00:19:53method.
00:19:57500 and something for electricity, you have to see each
00:19:59case, they start to get indignant,
00:20:03they get indignant, I'm, we're asking.
00:20:07What I know that pays that are the taxes in the
00:20:10province, the number of bills I've seen that pay that, I live
00:20:14in the capital, it's a retired woman who has a debt
00:20:18of 500 thousand pesos for electricity and who collects
00:20:20three
00:20:22per month, per month, no, but she has an accumulated debt and that
00:20:26evidently she will prefer to buy her blood pressure medication
00:20:29and not pay the bill, the
00:20:34can happen, I mean, because it happens. And
00:20:37when, well, just now the lady on the phone also said I got
00:20:41a 40,000 bill for electricity, she didn't get
00:20:45that, in reality she got
00:20:49happens is that since...
00:20:52in the context we're talking about it's the same, when,
00:20:55when, even when I asked her since
00:20:58when, how long she hadn't paid, she didn't know how to tell me, she said a few
00:21:02months ago, but if one period is twenty something
00:21:06pesos, there can't be, proportionally
00:21:10speaking, she surely owes from years ago for that
00:21:13amount to add up and for you to have an idea, because that's why we always say it's an income
00:21:17problem because that woman stopped paying that virtual wallet that already
00:21:20demanded 3 million pesos from her these days, not even
00:21:24with her meager income can she cancel the
00:21:28electricity bill that she also had with debt, so that woman is in a vicious
00:21:31circle that has to do with that, taking out a loan to pay another
00:21:35loan, asking the mutual, asking for a salary advance, asking the virtual
00:21:38wallet, that is, there's no one else to ask and that is not solved
00:21:42easily, Caro, we have more messages, look, here we have a person who is sending
00:21:46us a message that they send him about how they threaten him by email, let's see?
00:21:50It says: hello, let's read, it says: I want to pay my debt, but they don't tell me where
00:21:53to pay it, they ignore my calls and messages, I asked for 200,000
00:21:57pesos and they want me to return
00:22:00they send him, eh, and they say: if you don't return the money,
00:22:04we will proceed to collect from your family, friends, referrals, but the money will be
00:22:08collected, it will be collected, beware, you were warned and if you didn't understand the
00:22:12good way, you will be warned the
00:23:51scared, yesterday we uploaded a video in collaboration with Crónica's social
00:23:54networks, in case of being at risk, in case of being a person
00:23:58trying to enter your home, call 911, but sometimes
00:24:01Pampa, and you, as a criminal lawyer, know this better, you know
00:24:05that sometimes it's not good to initiate a case of coercive threats against a
00:24:09person who has the whole neighborhood taken over, basically,
00:24:12how do you deal with that, here he is writing to us because he says
00:24:16that he took out a loan from the bank, he asked for a million and now he has to pay
00:24:208 million, well, let's see, Marcela, do you know
00:24:23people in your environment who are indebted up to their ears with what we are
00:24:26telling, the truth, the truth is I am middle class, I am a professional, middle
00:24:30class, I don't know anyone who is indebted, who buys,
00:24:34who gets into debt to go to the
00:24:37deli, the greengrocer, the truth is no, wait Marcela, I
00:24:41ask you, you don't have debt, because I have debt, oh, you don't owe the
00:24:45card, yes, but I pay everything, well, but
00:24:48you have everything.
00:24:58Please be serious about this, if you get the card, logically you have
00:25:02but if you pay it, you pay if you it all, meanwhile
00:25:08you're in the indebted category, guys, start embracing the debts of this
00:25:11period of Javier Miguel because otherwise I use the
00:25:15card all the time, clear, and it's Milei's
00:25:18fault, clear.
00:25:50more because you must have more indebted friends,
00:25:53thank you, thank you for, eh, if you are not indebted, the
00:25:56doctoral forces you, why? Because she likes
00:25:59people.
00:26:04take, Caro, whose side you take, indebted Caro,
00:26:08I'm looking at you, I take anyone's side, Norma says
00:26:11I was hacked, well, an application and they took 300,000 pesos from me and
00:26:15today she owes 3 million, well, wait, wait because that does have a
00:26:19solution, you have to make a claim for
00:26:23fraud in the application, the criminal complaint, even if you tell me
00:26:27no, well, they won't find it only for the purposes that you in
00:26:30consumer defense surely have a department close to your
00:26:34home for consumer defense, you go and make the
00:26:37claim because the virtual wallet when it's criminal cases does not
00:26:41charge you that, but you have to do all this procedure that I explain to you,
00:26:44here Gabriel, yes, here we have a comment from
00:26:48Gabriel who writes to us and says: you have to divide between
00:26:51debts, because one thing is that you bought a washing machine and another
00:26:54thing is that you are a defaulter, if you went and asked a drug dealer for money, well,
00:26:58deal with the consequences, no, how to deal with the consequences, deal with the consequences, that's what
00:27:01Gabriel is saying. He must be the one who lends, but wait, yes, he must be, he must be the one who lends, not
00:27:05poor Gabriel, but let's see, deal with the consequences is if you don't have enough to feed
00:27:09your child and you are in a very difficult decision
00:27:13not to, or you got sick, it's fine, I
00:27:16recognize that it is a limiting situation, what you point out is a
00:27:20limiting situation and I understand it, now you know that when you go to
00:27:23ask a drug dealer for money, well, you are flirting with
00:27:27risks, no, but... but they are not drug dealers, but
00:27:30they are not capable of being drug dealers, because the other day a person I
00:27:34interviewed about this topic told me that workers lend, so
00:27:38a person you know generally comes to you and says I'll lend you, now you don't know
00:27:41who that person is associated with or where the money comes from, so you're not going
00:27:45to ask, I don't know, throw me a famous
00:28:04sends us a very nice illustrated photo and tells us how
00:28:07much a police officer is worth, who is the person who protects you, 900,000
00:28:11pesos is not enough to live on, I have many overdue debts because my salary is not enough and
00:28:15now I have to go out and ask for money, well, there you have someone who
00:28:18is precisely a reference with the police, who it just so
00:28:22happens are the ones who have the highest level of indebtedness, those in the security
00:28:25forces. security, also the
00:28:29suicide rate is very strong, even the
00:28:34it in some way, right? That there's an issue with the loss of life
00:28:38of officers and their economy. So I think there's
00:28:43the security forces are due to indebtedness, eh, there are
00:28:47other reasons too, of course. Well, it wouldn't only be a matter
00:28:50of determining, but an official recognition that something is happening in the
00:28:54forces, yes, in all the forces, eh, no one is spared
00:28:58eh, some are better paid than others, but it's not
00:29:02like... as it was said before, to throw money around
00:29:05there are some forces that are better than
00:29:08others, but the salaries are not enough
00:29:11if not we wouldn't be seeing police officers
00:29:15doing , well, I didn't want to say drivers
00:29:19for applications or errands, or
00:29:22many, many become security guards
00:29:26for, say, some eh,
00:29:29some business or someone who ...
00:29:46us, she says, look, two years ago I asked for 80,000 pesos, I paid for
00:29:49something for a health problem I have, I am depressed, I also have a deviated
00:29:53spine, and now they are calling her daughter, threatening her that she owes
00:29:576 million pesos, 80 thousand
00:29:59well