When a company gets it wrong, the consumer has rights

PRACTICE AREAS

From refunding a charge to compensation for moral damages, each situation has the right path, and some rights have short deadlines you cannot let slip.

Collections and blacklisted names

Banks, scams and fraud

Purchases and services

Essential services and travel

• Wrongful blacklisting with Serasa and SPC

• Collection of a debt that doesn't exist or was already paid

• Double refund of what was improperly charged

• Time-barred debts still being collected

• Pix, WhatsApp and card scams, with analysis of the bank's liability

• Payroll loan you never took out

• Fees and insurance added without authorization

• Review of abusive bank contracts

• Defective product and a store that passes the buck

• Online purchase: 7-day right of withdrawal and deliveries that never arrive

• Poorly performed or unfinished services

• Subscriptions and plans that are hard to cancel

• Improper cut-off of electricity, water, phone or internet

• Abusive charges by utility companies

• Delayed or cancelled flight, or overbooking

• Lost or damaged baggage

A consumer problem is solved with organized evidence and the right claim in the right place.

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You send the evidence

We review rights and deadlines

You receive the plan and the proposal

On WhatsApp: screenshots of conversations, service ticket numbers, invoices, receipts, statements and the credit record entry, if any. Whatever you have already helps.

We check what the law guarantees in your case, the applicable deadlines and whether compensation is due, with frank guidance on what is and is not worth pursuing.

From a direct complaint to a lawsuit, we show you the recommended path and a written fee proposal. The decision is always yours.

Founding attorney · Master's candidate in Law

The firm is led by attorney Sidnei Pedro Dias, with more than ten years of practice in consumer law against banks, stores, utilities and airlines. The team follows every step, from the first screenshot to enforcement of the judgment.

OAB/GO 48.603 · OAB/DF 68.207 · OAB/SP 501.693

Headquartered in Anápolis-GO with fully digital service, SPD Advocacia works throughout Brazil, and our commitment to explaining everything in plain language has been featured in the national press.

Sidnei Pedro Dias Sociedade Individual de Advocacia · registered with OAB/GO under no. 3,123

Common examples, described in general terms. Each case depends on its own facts and documents.

Name blacklisted without owing

Phantom payroll loan

Blacklisting for a non-existent debt, one already paid or resulting from fraud can be removed in court, and the courts recognize that damage to one's name, in itself, usually justifies compensation for moral damages, assessed case by case.

Loan deductions that the retiree never took out are a frequent fraud. You can request cancellation, a refund of what was deducted and, depending on the case, compensation, with the institution liable for the security failure.

Defect brushed off

A flight that became a nightmare

A defective product has short complaint deadlines (as a rule, 30 days for non-durable and 90 for durable goods), and if the repair takes more than 30 days the law lets the consumer choose a replacement, a refund or a price reduction.

Significant cancellations and delays create duties of assistance (communication, meals, lodging) and, when they cause losses, a right to a refund and compensation. Boarding passes, receipts for expenses and screenshots make the case.

My loss was small. Is it worth complaining?

Often, yes: beyond the amount itself, cases such as wrongful blacklisting and serious failures can lead to compensation for moral damages, and many consumer lawsuits go through the Small Claims Courts, which generally charge no costs at first instance. We run the numbers with you, frankly.

How long do I have to complain?

It depends on the problem: defects in products and services have short deadlines (generally 30 or 90 days from delivery or from when the defect appears), while compensation for damage caused by a product or service generally expires after 5 years. So the sooner the review, the better.

What evidence should I keep?

Anything documenting the relationship and the problem: screenshots of conversations and ads, ticket numbers, invoices, proof of payment, statements, emails and photos or videos of the defect. Writing down the ticket number of each call makes a difference.

I already complained to Procon and it wasn't resolved. What now?

A Procon complaint is useful and becomes evidence, but it neither prevents nor replaces a lawsuit. If the company did not solve it, the next step is the courts, and the complaint history strengthens your case.

How much does it cost?

The initial review carries no obligation. If there is a case, the fee proposal comes in writing before any engagement, and we assess with you free legal aid and the Small Claims Court cost rules, depending on the situation.

Send the screenshots and receipts on WhatsApp. The team replies with an assessment of the case, the applicable deadlines and a written proposal.

If you prefer, write to dias@spd.adv.br

Informational content, in line with OAB rules (Provision 205/2021). Each case needs its own analysis, and we do not promise results. Sidnei Pedro Dias Sociedade Individual de Advocacia · OAB/GO 3,123 · CNPJ 32.614.440/0001-25