As Lybor is a bank that operates only in the field of Development Credit (Rural and Industrial Debts) and Credit and Financing in Banks (Debts and Financing with Banks in General), whose partner-director lawyers are jurists in the specialty, pioneers in the formation of jurisprudence pacified at the Superior Court of Justice, what differentiates Lybor's work is the fact that its lawyers, in addition to judicially adapting the debts of its clients to the legislation that governs the matter, bringing these debts to legal and, therefore, correct levels, the staff of Lybor's lawyers also recovers for its clients what they have paid ILLEGALLY, within the statute of limitations for each type of debt, bringing this CREDIT to deduct the legal debt balance determined by the judge in each case.
This our modus laborandi, typical of a specialist who knows his/her area of expertise in depth, brings a benefit enormously for the customer who was once wronged by his bank.
In practice, we have cases of Lybor clients that surprised even our lawyers, as we had no idea, before the case was settled, after the approval of the judicial expertise by the Court, which determined the credit of our client, how big and voluminous was the value that our client had to to receive in return on account of interest and charges illegally paid to the Bank by our customer on that loan already paid many years ago.
Para citar um CASE of a client of ours at Lybor, the Bank indicated a debt that amounted to 120 million reais. After reviewing this debt, judicially applying the restrictive rural credit and credit legislation industrial, and the staff of Lybor lawyers joining the specific actions to review the contracts previously already paid to the Bank by our client and asking for the refund of the amounts paid in violation of the Law and in a corrected way, the quantum that the debt of 120 million reais, when found with the corrected credit of the amount owed to our client, to the amount of BRL 16 million in credit, after zeroing BRL 120 million. In other words, the Justice found based on the rural and industrial credit law that this our client's financing was already paid due to illegal charges that the Bank had been charging for years; in addition to having already paid that amount of 120 million reais that the Bank intended, the Court investigated and ordered the Bank to return to our client the amount of 16 million reais, which he had illegally been overcharged by the Bank.
Therefore, through all the legislation that protects the production of food and the national industry, in this CASE an illegal debt and unfair was passed to the Court, resulting in a credit balance for Lybor's customer of 16 million reais, which the Bank had to effectively pay. Specialist work.
How many and how many cases like this exist in Brazil and if you are not an expert in the matter to act in the recovery of these amounts paid ILLEGALLY, never get to the truth mens legis in this specialty of Development Debts and Debts with Banks in General. THE An expert's expertise can save the client from financial ruin and do true justice. This is the profile of modus laborandi of LYBOR LANDGRAF | LANDGRAF ADVOGADOS ASSOCIADOS as a specialist in this area of DEBT.
