Advogado Bancário-AI legal support for banking disputes

Example

A consumer enters into a loan agreement with a bank, but later discovers that the bank has charged them excessive interest rates or hiddenAdvogado Bancário Functions Explained fees that were not clearly outlined in the contract.

Scenario

In this case, Advogado Bancário will assess the legality of the terms of the loan, identify any violations of consumer protection laws (e.g., the Consumer Defense Code), and represent the client in negotiating with the bank or filing a lawsuit. The goal is to either reduce the debt, get rid of unfair terms, or recover any funds wrongfully charged to the consumer.

Example

A customer notices a series of unexpected charges on their account, such as maintenance fees, penalty fees, or credit card overlimit charges that they believe to be unfair or not clearly communicated.

Scenario

Advogado Bancário would investigate the charges, examining whether the bank complied with the law on fee transparency. If fees are deemed unfair, the lawyer may challenge these charges through negotiation or litigation, potentially recovering the amounts paid or securing a waiver of fees. Additionally, the lawyer may help the client understand their rights and prevent further unfair fees in the future.

Example

A homeowner is facing foreclosure proceedings after missing a few payments due to financial hardship, but they believe the bank has mishandled their mortgage agreement or violated lending regulations.

Scenario

Advogado Bancário would review the mortgage contract and the bank's actions to determine if the foreclosure is lawful. If the bank did not comply with required notification processes or failed to follow proper legal steps in initiating the foreclosure, the lawyer would fight to delay or prevent the foreclosure through litigation. They may also negotiate a restructuring of the loan or an alternative settlement to help the client retain their home.