LYBOR LANDGRAF's lawyers are specialists in the area of Development Credit and Banking Law.
The vice president director who commands in loco all work with the staff of lawyers from LYBOR is the lawyer Kellen Bombonato, lecturer and presenter of programs in the legal area in our specialty on TV Record and Canal Rural, at the national level.
The provision of legal services to our clients is specifically in the area of Credit Development [Rural Credit, Industrial Credit, Commercial Development Credit – Commercial Credit Note (Law No. 6,840/80)] and in the area of BANK DEBT IN GENERAL.
FUNDING CREDIT: Legislation of the National System of Rural Credit, Industrial Credit and Commercial Development Credit. Rural Debts: renegotiation, Securitization, PESA Plan (20 years) and Judicial Review, Collor Plan and other material rights of rural producers. Audit for repetition of Indebtedness, Original Debts and Securitization – Law n. 9,138/95. Regulatory Resolutions of the Rural Moratorium Law. Changes in terms and contractual charges. Judicial review and compulsory extension. Rural credit lines: Constitutional Funds (FCO, FNO and FNE), Own Resources, Finame, Funcafé, Prodecer, Costing, BNDES and other types of rural, industrial and commercial financing. Dollar contracts in general (“63 caipira”, Bacen Resolutions 2148/95, 2483/98, among others). CPR (Rural Product Certificate) and future crop purchase and sale operations (GREEN SOY). PESA Plan: Stretching in 20 years. Extension for framing. BACEN Resolutions. Excessive securitization and lengthened debts. recalculation from the origin. Confession of Rural or Industrial Debt in Public Deed. Review with partial nullity (art. 184 CCb) of clauses and values confessed that they violated the cogent norms (of public order) that guide the Rural Credit and Industrial Credit Laws - under the aegis of Credits subsidized and regulated by the State.
BANKING LAW: overdraft, hot money, parrot, personal financing, credit card, guaranteed account, confession/assumption of debts, discounts on promissory notes/duplicates, import bills, bank guarantee agreements, Contracts with Disposal Fiduciary, Leasing Agreements, Credit Opening Agreements in general (fixed and revolving), among others.
Review of Clauses and Values in Rural, Industrial and/or Commercial Credit Securities. Recalculation in Overdue Repetition. Management for Securitization.PESA. Law no. 1077/2001 (FCO, FNE and FNO). Action for Repetition of Overdue in Rural and/or Industrial Credit with Compensatory Precept (arts. 1009 and 369, CCb). Constitutive-Negative of PESA, Securitization and “mother notes” in Public Deed of Confession of Debt. Recalculation of Debtor and Third Parties in Credit Rural, Industrial and Commercial Development. Vintenary Management in Rural Credit securities, with compensatory request in PESA and Securitization. precautionary of permanence in possession of Movable Assets recorded in pledge or fiduciary alienation. Rural Pledge, Industrial Pledge. “Green Soybean”, Action of Deposit that converts into Mutual Action in the case of a fungible asset (in the “green soy letters”). Rural Promissory Note and CRPH. duplicity of Title and appropriate action. Constitutive-negative actions to declare the illegality of: remuneratory interest above those set by the CMN – Council National Monetary (in Rural, Industrial and Commercial Development Credit); illegal fees; illegal capitalization (outside the date provided for by law); Anatocism (Specific Precedent of the STF); of default charges (violation of article 5, sole paragraph of the Decree-Law that regulates the Credit Rural); interest rates used as indexes for monetary correction (TR, TJLP, IRP, TBF, among others). Nullity of MP and Bacen Resolutions that violate the Principle of Legality and the Principle of the Hierarchy of Norms. Request for exemption from the moratorium fine for non-compliance with the rules of the Credit for Promotion. Credit and Equity Protection (Asset Shielding). Debt Confession. PESA interest. Infraconstitutional legislation, MCR (Credit Manual Rural), MCI (Manual of Industrial Credit), Resolutions, Circular Letters and Circulars of the National Rural Credit System by Bacen, Legislation Complementary to the Banking Reform Law, Provisional Measures, Decrees and Decree-Laws pertaining to Development Credit and Banking Law. law of Banking Reform, National Rural Credit System Legislation, Promotion Credit Laws (Rural and Industrial): Law 4,829/65, Decree 58,380/66, Decree-law 167/67, Law 8171/91 – Agricultural Policy Law, Law 8880/94, Law 9138/95 – Securitization Law, BACEN Resolution 2471 and amendments (Rural Moratorium/PESA), Constitutional Fund Laws - Law 7,827/89 and following, and Moratorium Law on these Funds - 10,177/2001 and related, FUNCAFÉ Legislation, PRODECER Legislation, Agricultural Pledge (prison), BNDES, Tourism Credits, Contracts in Dollars, “63 Caipira” Resolutions, 2,148/95, 2,483/98, Ordinary Legislation of the SNCR and MCR (Rural Credit Manual), Industrial Credit Legislation, Decree-law 413/69, Decree 22,626/33 – Usury Law, Law 6,840/80 (Cédula Comercial de Fomento), Export Certificate, Law on the Cooperative System and Transfer Credit, Law on RECOOP, Sugarcane Financing (Cane: Investment and Costing), Green Soy, Fiduciary Alienation, CPR – Rural Product Bill, Operations in Foreign Currency, Innominate Rural Financing. SUMMARY OF CAPITALIZATION OF THE STJ, SUMMARY OF THE ANATOCISM OF THE STF, SUMMARY OF THE PERMANENCE COMMISSION STJ, SUMMARY OF MONETARY CORRECTION ON STJ RURAL CREDIT, STJ SUMMARY 576 and others. BACEN Resolutions on Development Credit: 2,471, 2,512, 2,589, 2,634, 2,705, 2,847, 2,902; Provisional Measures: MP n. 2196, MP no. 09, MP no. 15 and MP no. 24, as well as their respective conversions into Law, among others.
DEBT AND FINANCING IN TYPICAL BANKING LAW: 1. Payroll Loan for Public Officials and State Servants; 2. Payroll Loan for Retirees and Pensioners; 3. Payroll Loan in General; 4. Overdraft Debts; 5. Debts on the Credit Card of Banks and Financial Companies; 6. Debts on the Credit Card of Stores and Supermarkets; 7. Current Account Debts; 8. Debts or Loans by Guaranteed Account for Legal Entities; 9. Debts or Loans at CDC - Consumer Credit; 10. Debts or Loans in Electronic or Automatic Credit Agreements; 11. Loans in the Agreements for Title Discount for Legal Entities; 12. General Loans for Legal Entities; 13. Loans in General to Individuals; 14. Car Leasing Financing; 15. Leasing Truck Financing; 16. Financing of Tractors by Leasing; 17. Financing of Machinery in General by Leasing; 18. Leasing Aircraft Financing; 19. Leasing Bus Financing; 20. Financing of Cranes and Heavy Equipment by Leasing; 21. Financing of Boats, Motorboats, Sailboats and Yachts by Leasing; 22. Leasing of Motorcycles and Scooters; 23. Financing of Jet Skis and Powerboats through Leasing; 24. Leasing of Automobiles; 25. Leasing of Trucks; 26. Financing of Tractors by Lease; 27. Financing of Industrial Machinery in General by Leasing; 28. Leasing of Airplanes; 29. Leasing Bus Financing; 30. Financing of Cranes and Eq. Heavy for Leases; 31. Financing of Boats, Motorboats, Sailboats and Yachts by Lease; 32. Leasing of Motorcycles and Scooters; 33. Financing of Jet Skis and Powerboats by Leasing; 34. Financing of Automobiles by Fiduciary Alienation; 35. Financing of Trucks by Fiduciary Alienation; 36. Financing of Tractors by Fiduciary Alienation; 37. Financing of Industrial Machines in General by Fiduciary Sale; 38. Financing of Airplanes by Fiduciary Alienation; 39. Financing of Buses by Fiduciary Alienation; 40. Financing of Cranes and Eq. Heavy for Fiduciary Alienation; 41. Financing of Boats, Motorboats, Sailboats and Yachts by Fiduciary Sale; 42. Financing of Motorcycles and Scooters by Fiduciary Alienation; 43. Financing of Jet Skis and Powerboats by Fiduciary Alienation; 44. Working Capital Financing; 45. Loans for Investments and Acquisitions in General; 46. Financing of Property Directly with Construction Companies; 47. Debts for Loans or Term Purchases in Companies in General; 48. Debts to Agribusiness Companies (Term Sales of Inputs and Fertilizers); 49. Loan Debts in Factoring Companies; 50. Secured Bank Credit Note (Mortgage, Pledge or Fiduciary Sale); 51. Unsecured Bank Credit Note; 52. Installment Credit Card; 53. Non-Regular Revolving Credit Card; 54. Regular Revolving Credit Card; 55. Check Cashing for Legal Entities; 56. Cashing Checks for Individuals; 57. Discount of Duplicates for Legal Entities; 58. Working Capital with a Term of More than 365 Days; 59. Working Capital with a Term of Less than 365 Days and 60. Advance Payment of Credit Card Invoices.
