Credit Insurance Refund Claims
Brazilian banks systematically overcharged credit protection insurance on loans and financing. The Supreme Court established your right to a full refund. We help you claim it.
Average recovery: R$2,000 — R$25,000 per claim
Who Can Claim?
Personal Loan Borrowers
Had a personal loan (crédito pessoal) from any Brazilian bank in the last 5 years.
Vehicle Financing
Financed a car, motorcycle, or truck with insurance bundled in the contract.
Early Payoff
Paid off your loan early? You may be entitled to a proportional insurance refund.
Brazilians Abroad
Brazilian expats with past bank relationships in Brazil can file claims remotely.
How It Works
Free Case Assessment
Send us your loan documents. We analyze whether you qualify and estimate the recovery amount — at no cost.
Case Filing
We file the demand letter and, if necessary, a claim in the Special Civil Court (JEC) — no court appearance required.
Recovery
The bank is ordered to refund the overpayment. Average resolution: 90–180 days in JEC.
Fee structure: contingency-based (percentage of recovery).
No recovery = no fee. Consult us for details.
Start Your Claim Today
The statute of limitations is 5 years. Every month you wait could reduce your recovery.
Start My ClaimFrequently Asked Questions
What is "seguro prestamista" (credit protection insurance)?
Seguro prestamista is a type of credit insurance that banks bundle with personal loans, financing, and credit cards in Brazil. It is supposed to cover loan payments if you lose your job or become disabled. However, banks frequently charge amounts far exceeding legal limits, making refund claims valid under STJ Tema 972.
What is STJ Tema 972 and how does it help me?
STJ Tema 972 is a binding precedent from Brazil's Superior Court of Justice that established rules on credit insurance charging. Under this precedent, if the premium charged exceeded legal limits or was not properly disclosed, you are entitled to a full refund — including proportional refund if you paid off the loan early.
How much can I recover?
The refund depends on the loan amount, duration, and the insurance premium charged. On average, clients recover between R$2,000 and R$25,000. We provide a free case assessment to estimate your potential recovery before you commit.
I live outside Brazil. Can I still file a claim?
Yes. Brazilian citizens and residents abroad can file claims against Brazilian banks through us remotely. We need a power of attorney (procuração) which can be authenticated at the Brazilian consulate nearest to you.