@article{TenasAlós:8391,
      author        = "Tenas Alós, Miguel Ángel and Calvo García, Manuel",
      title         = "{Protección de los consumidores respecto a las cláusulas
                       abusivas en las hipotecas}",
      year          = "2012",
      note          = "Unfair affect everyone, and they are present in most daily
                       activities. This paper explains what they are and shows
                       that anyone can be victim to them.  	Two of the most
                       problematic are the housing and financial institutions and,
                       therefore, the common point with both; the mortgages. At
                       present, the economic crisis, the mortgage has become a
                       nightmare for many families. In this paper, we present the
                       main clauses in contracts may exist, explaining if they are
                       abusive or not and see what were the judgments.  	It has
                       also talked to experts and buyers to see what problems and
                       challenges for the sector and see if they match the views
                       of some and the others. This gives us a current overview of
                       how is the situation today.",
}