Publications - Ernesto Borges Advogados

Banking and Financial Services 12/11/2024

Payroll Loans: New Payroll Rules for Retirees and Pensioners and Challenges of Judicialization

As of January 02, 2025, the new rules for payroll loans for retirees and pensioners under the Social-Security Authority (INSS) will come into force, pursuant to PRES/INSS Normative Instruction No. 172, dated August 28, 2024.[1] Among the main changes is the flexibility of the exclusivity period for the offer of credit facilities, which previously set…

Administrative and Public Law 12/11/2024

Predatory Litigation: The Paradox of Access to Justice

Access to justice has been one of the keystones of the main international charters since the 1948 Universal Declaration of Human Rights. As a result, it has achieved the status of fundamental guarantee in Constitutions around the world. With the end of laissez-faire, concerns have mostly geared towards the social (collective) level of the…

Administrative and Public Law 07/11/2024

CHALLENGES OF BRAZILIAN JUSTICE DEALING WITH FAKE DISPUTES AND STJ MEASURES

Considered one of the world’s oldest occupations, dating back as far as the Sumerian society, lawyering has the duty to fight for the supremacy of Justice, the enforcement of the Constitution, and the respect for the Law. However, despite the nobility of its mission, society has for some decades been facing a phenomenon that undermines…

Insurance and Reinsurance 30/10/2024

How Car Insurance Against Natural Disasters Work

QUESTION: What does the insurance agreement specifically cover about natural disaster situations? ANSWER: The insurance agreement details the events covered and those not considered as such. In the context of natural disasters, the damages resulting from these phenomena (floods, waterlogging, fires, lightning, strong winds, falling objects, landslides, earthquakes, hurricanes, etc.) can be covered as…