{"id":3282,"date":"2026-03-25T10:51:45","date_gmt":"2026-03-25T13:51:45","guid":{"rendered":"https:\/\/camilamoura.adv.br\/?page_id=3282"},"modified":"2026-03-25T11:04:47","modified_gmt":"2026-03-25T14:04:47","slug":"noticia-7-2","status":"publish","type":"page","link":"https:\/\/camilamoura.adv.br\/?page_id=3282","title":{"rendered":"Noticia 7"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"3282\" class=\"elementor elementor-3282\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2291e569 e-flex e-con-boxed e-con e-parent\" data-id=\"2291e569\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-49d147f8 elementor-widget-laptop__width-initial elementor-widget__width-initial elementor-widget elementor-widget-theme-site-logo 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menu-item-type-post_type menu-item-object-page menu-item-home menu-item-2827\"><a href=\"https:\/\/camilamoura.adv.br\/\" class=\"elementor-item\" tabindex=\"-1\">Home<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-3068\"><a href=\"https:\/\/camilamoura.adv.br\/?page_id=426\" class=\"elementor-item\" tabindex=\"-1\">Not\u00edcias<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-2828\"><a href=\"https:\/\/camilamoura.adv.br\/?page_id=2733\" class=\"elementor-item\" tabindex=\"-1\">\u00c0reas de Atua\u00e7\u00e3o<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-2829\"><a href=\"https:\/\/camilamoura.adv.br\/?page_id=12\" class=\"elementor-item\" tabindex=\"-1\">Defesa do Consumidor<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-2832\"><a href=\"https:\/\/camilamoura.adv.br\/?page_id=1810\" class=\"elementor-item\" tabindex=\"-1\">Direito Trabalhista<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-2954\"><a href=\"https:\/\/camilamoura.adv.br\/?page_id=1495\" class=\"elementor-item\" tabindex=\"-1\">Sobre N\u00f3s<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-3024\"><a href=\"https:\/\/camilamoura.adv.br\/?page_id=649\" class=\"elementor-item\" tabindex=\"-1\">Como funciona<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-3047\"><a href=\"https:\/\/camilamoura.adv.br\/?page_id=512\" class=\"elementor-item\" tabindex=\"-1\">Perguntas Frequentes<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-3062\"><a href=\"https:\/\/camilamoura.adv.br\/?page_id=1038\" class=\"elementor-item\" tabindex=\"-1\">Contato<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c984b2a e-flex e-con-boxed e-con e-parent\" data-id=\"c984b2a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-49c33ac elementor-widget elementor-widget-text-editor\" data-id=\"49c33ac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u00a0<\/p>\n<p><span class=\"TextRun SCXW220997284 BCX0\" lang=\"PT-BR\" xml:lang=\"PT-BR\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW220997284 BCX0\">Empr\u00e9stimos consignados em nome de crian\u00e7as<\/span><\/span><span class=\"EOP SCXW220997284 BCX0\" data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-87c5b91 elementor-widget elementor-widget-text-editor\" data-id=\"87c5b91\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span data-contrast=\"auto\">Fraudes envolvendo empr\u00e9stimos consignados em nome de crian\u00e7as benefici\u00e1rias do BPC t\u00eam deixado milhares de fam\u00edlias sem sustento. Contratos firmados sem autoriza\u00e7\u00e3o v\u00e1lida s\u00e3o nulos por lei, mas a fragiliza\u00e7\u00e3o dos controles digitais facilita irregularidades. Fam\u00edlias podem e devem reverter essas situa\u00e7\u00f5es.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4f13a7b elementor-widget elementor-widget-image\" data-id=\"4f13a7b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"534\" src=\"https:\/\/camilamoura.adv.br\/wp-content\/uploads\/2026\/03\/finelightarts-child-1073638_1920-1024x684.jpg\" class=\"attachment-large size-large wp-image-3274\" alt=\"\" srcset=\"https:\/\/camilamoura.adv.br\/wp-content\/uploads\/2026\/03\/finelightarts-child-1073638_1920-1024x684.jpg 1024w, https:\/\/camilamoura.adv.br\/wp-content\/uploads\/2026\/03\/finelightarts-child-1073638_1920-300x200.jpg 300w, https:\/\/camilamoura.adv.br\/wp-content\/uploads\/2026\/03\/finelightarts-child-1073638_1920-768x513.jpg 768w, https:\/\/camilamoura.adv.br\/wp-content\/uploads\/2026\/03\/finelightarts-child-1073638_1920-1536x1026.jpg 1536w, https:\/\/camilamoura.adv.br\/wp-content\/uploads\/2026\/03\/finelightarts-child-1073638_1920.jpg 1920w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b0f3c8b e-flex e-con-boxed e-con e-parent\" data-id=\"b0f3c8b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a16ef4a e-flex e-con-boxed e-con e-parent\" data-id=\"a16ef4a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f501a14 elementor-widget elementor-widget-text-editor\" data-id=\"f501a14\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span data-contrast=\"auto\">Imagine descobrir que sua filha de 8 anos, benefici\u00e1ria do BPC por defici\u00eancia, possui um empr\u00e9stimo consignado de R$ 15 mil em seu nome, com descontos mensais que comprometem o \u00fanico sustento da fam\u00edlia. Essa situa\u00e7\u00e3o, que parece absurda, tornou-se alarmantemente comum nos \u00faltimos anos. Fraudes envolvendo empr\u00e9stimos consignados em nome de crian\u00e7as benefici\u00e1rias do Benef\u00edcio de Presta\u00e7\u00e3o Continuada t\u00eam deixado milhares de fam\u00edlias brasileiras em situa\u00e7\u00e3o de desespero, sem\u00a0compreender como contratos foram firmados sem qualquer assinatura ou autoriza\u00e7\u00e3o v\u00e1lida.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">A fragiliza\u00e7\u00e3o dos controles digitais do INSS, aliada \u00e0 atua\u00e7\u00e3o irregular de correspondentes banc\u00e1rios, criou um ambiente prop\u00edcio para essas irregularidades. Muitas fam\u00edlias s\u00f3 descobrem o problema quando percebem descontos inexplic\u00e1veis no benef\u00edcio da crian\u00e7a ou quando s\u00e3o abordadas por supostos &#8220;agentes&#8221; oferecendo dinheiro em troca de documentos. O que essas fam\u00edlias desconhecem \u00e9 que existe amparo legal robusto para reverter essas situa\u00e7\u00f5es e responsabilizar os culpados.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Por que contratos em nome de crian\u00e7as s\u00e3o nulos?<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">A legisla\u00e7\u00e3o brasileira \u00e9 clara e objetiva sobre esse ponto. Segundo o artigo 3\u00ba do C\u00f3digo Civil, menores de 16 anos s\u00e3o absolutamente incapazes para qualquer ato da vida civil. Isso significa que qualquer contrato firmado em nome de uma crian\u00e7a, sem a devida representa\u00e7\u00e3o legal e com todas as formalidades exigidas, \u00e9 nulo de pleno direito, conforme estabelecem os artigos 166, incisos I e VII, do mesmo c\u00f3digo.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Al\u00e9m disso, a Constitui\u00e7\u00e3o Federal, em seu artigo 227, garante prote\u00e7\u00e3o priorit\u00e1ria absoluta a crian\u00e7as e adolescentes, colocando-os a salvo de toda forma de explora\u00e7\u00e3o e viol\u00eancia. Descontos irregulares sobre o BPC \u2013 benef\u00edcio de natureza assistencial destinado justamente a garantir a subsist\u00eancia m\u00ednima de pessoas com defici\u00eancia \u2013 violam frontalmente essa garantia constitucional.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">A vulnerabilidade sist\u00eamica que facilita as fraudes<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">A Instru\u00e7\u00e3o Normativa 128\/2022 do INSS, que disciplina o cadastro e a manuten\u00e7\u00e3o de benefici\u00e1rios, trouxe avan\u00e7os na automatiza\u00e7\u00e3o dos processos. Por\u00e9m, essa mesma automatiza\u00e7\u00e3o excessiva abriu brechas para contrata\u00e7\u00f5es irregulares. O sistema permite que correspondentes banc\u00e1rios cadastrem opera\u00e7\u00f5es de cr\u00e9dito consignado sem verifica\u00e7\u00f5es adequadas de capacidade civil, autenticidade de assinaturas ou validade de procura\u00e7\u00f5es.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Na pr\u00e1tica, o que ocorre \u00e9 simples e cruel: aproveitando-se da vulnerabilidade de fam\u00edlias que desconhecem seus direitos, agentes irregulares obt\u00eam dados cadastrais das crian\u00e7as benefici\u00e1rias, simulam contratos no sistema e liberam valores irris\u00f3rios (quando liberam algum valor) em troca de comprometer permanentemente o benef\u00edcio assistencial da fam\u00edlia. Muitas vezes, a pr\u00f3pria respons\u00e1vel legal sequer teve conhecimento da opera\u00e7\u00e3o at\u00e9 receber o primeiro desconto.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Quem responde por essas irregularidades?<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">A responsabilidade \u00e9 m\u00faltipla e solid\u00e1ria. As institui\u00e7\u00f5es financeiras respondem objetivamente, nos termos do C\u00f3digo de Defesa do Consumidor, mesmo quando a fraude \u00e9 praticada por terceiros. H\u00e1 falha evidente e grave na identifica\u00e7\u00e3o do contratante, no controle de fraude e na verifica\u00e7\u00e3o da capacidade civil \u2013 requisitos b\u00e1sicos que qualquer institui\u00e7\u00e3o financeira deve observar antes de liberar cr\u00e9dito.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">O INSS tamb\u00e9m possui responsabilidade quando seu sistema interno permite e processa contrata\u00e7\u00f5es manifestamente irregulares. Se o pr\u00f3prio sistema da autarquia aceita cadastrar empr\u00e9stimos consignados em nome de absolutamente incapazes, h\u00e1 falha administrativa que pode gerar responsabilidade civil.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Por fim, os correspondentes banc\u00e1rios que atuam irregularmente, &#8220;vendendo&#8221; empr\u00e9stimos mediante promessas fraudulentas ou obtendo documentos de forma irregular, respondem criminal e civilmente por seus atos.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Sinais de alerta que toda fam\u00edlia deve conhecer<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Alguns ind\u00edcios podem revelar que h\u00e1 algo errado com o benef\u00edcio da crian\u00e7a. Descontos inexplic\u00e1veis no valor depositado mensalmente, abordagens de pessoas oferecendo dinheiro em troca de documentos da crian\u00e7a, recebimento de cart\u00f5es banc\u00e1rios n\u00e3o solicitados ou mensagens sobre libera\u00e7\u00e3o de cr\u00e9dito s\u00e3o sinais claros de irregularidade.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Fam\u00edlias que identificarem qualquer\u00a0uma dessas situa\u00e7\u00f5es devem\u00a0agir imediatamente. O primeiro passo \u00e9 acessar o\u00a0aplicativo Meu\u00a0INSS e verificar se h\u00e1 alguma margem consign\u00e1vel ativa ou desconto registrado em nome da crian\u00e7a. Em seguida, devem reunir toda a documenta\u00e7\u00e3o dispon\u00edvel: certid\u00e3o de nascimento da crian\u00e7a, carta de concess\u00e3o do BPC, extratos banc\u00e1rios e do INSS, e qualquer comunica\u00e7\u00e3o recebida sobre empr\u00e9stimos.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Como reverter a situa\u00e7\u00e3o<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">A revers\u00e3o dessas fraudes passa por estrat\u00e9gias administrativas e judiciais. Inicialmente, pode-se notificar extrajudicialmente a institui\u00e7\u00e3o financeira solicitando o cancelamento imediato do contrato irregular, a suspens\u00e3o dos descontos e a restitui\u00e7\u00e3o integral dos valores j\u00e1 descontados. Essa notifica\u00e7\u00e3o, quando bem fundamentada, pode resolver o problema sem necessidade de judicializa\u00e7\u00e3o.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Caso a via administrativa n\u00e3o seja suficiente, a a\u00e7\u00e3o judicial \u00e9 o caminho adequado. O fundamento \u00e9 s\u00f3lido: nulidade absoluta do contrato por incapacidade do contratante, viola\u00e7\u00e3o da prote\u00e7\u00e3o constitucional da crian\u00e7a, natureza alimentar do BPC que impede descontos irregulares, e responsabilidade objetiva da institui\u00e7\u00e3o financeira por falha na presta\u00e7\u00e3o do servi\u00e7o.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Os pedidos judiciais t\u00edpicos incluem tutela de urg\u00eancia para cessar imediatamente os descontos, declara\u00e7\u00e3o de nulidade do contrato, devolu\u00e7\u00e3o de todos os valores descontados (geralmente em dobro, conforme o CDC), e indeniza\u00e7\u00e3o por danos morais considerando o impacto na fam\u00edlia vulner\u00e1vel. A jurisprud\u00eancia tem sido favor\u00e1vel a essas demandas, especialmente quando h\u00e1 comprova\u00e7\u00e3o clara da incapacidade e da aus\u00eancia de contrato v\u00e1lido.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">A import\u00e2ncia da orienta\u00e7\u00e3o profissional qualificada<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Fam\u00edlias que se deparam com essa situa\u00e7\u00e3o frequentemente se sentem impotentes e desamparadas. Muitas acreditam que, por serem pobres e desconhecerem a lei, n\u00e3o ter\u00e3o como reverter os descontos. Outras temem perder o pr\u00f3prio benef\u00edcio se questionarem as irregularidades. Esses medos s\u00e3o infundados, mas compreens\u00edveis diante da vulnerabilidade social.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">A orienta\u00e7\u00e3o de um advogado especializado em direito previdenci\u00e1rio \u00e9 fundamental n\u00e3o apenas para conduzir as medidas judiciais adequadas, mas tamb\u00e9m para proteger a fam\u00edlia de novas tentativas de fraude, orientar sobre a preserva\u00e7\u00e3o de provas e garantir que todos os direitos sejam plenamente exercidos. O profissional qualificado saber\u00e1 identificar todos os respons\u00e1veis, calcular corretamente os valores a serem restitu\u00eddos e fundamentar adequadamente os pedidos de danos morais.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Prote\u00e7\u00e3o preventiva \u00e9 poss\u00edvel<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Al\u00e9m de reverter fraudes j\u00e1 consumadas, \u00e9 essencial que fam\u00edlias benefici\u00e1rias do BPC adotem medidas preventivas. Jamais fornecer documentos da crian\u00e7a a terceiros, mesmo que se apresentem como &#8220;funcion\u00e1rios do banco&#8221; ou &#8220;agentes do INSS&#8221;. Verificar periodicamente o extrato do benef\u00edcio no\u00a0aplicativo Meu\u00a0INSS. Desconfiar de ofertas de dinheiro f\u00e1cil ou empr\u00e9stimos &#8220;autom\u00e1ticos&#8221;. E, principalmente, buscar orienta\u00e7\u00e3o sempre que houver d\u00favida sobre comunica\u00e7\u00f5es recebidas ou abordagens suspeitas.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">O BPC \u00e9 um direito assistencial conquistado por fam\u00edlias em situa\u00e7\u00e3o de vulnerabilidade. Permitir que esse benef\u00edcio m\u00ednimo seja corro\u00eddo por descontos fraudulentos \u00e9 violar a dignidade de quem mais precisa de prote\u00e7\u00e3o. Se voc\u00ea identificou descontos irregulares no benef\u00edcio de uma crian\u00e7a, n\u00e3o se cale nem se conforme. Procure imediatamente um advogado especializado em direito previdenci\u00e1rio, re\u00fana toda a documenta\u00e7\u00e3o dispon\u00edvel e exija a responsabiliza\u00e7\u00e3o de quem lucra com a vulnerabilidade alheia. A lei est\u00e1 do seu lado, e a revers\u00e3o dessas fraudes \u00e9 n\u00e3o apenas poss\u00edvel, mas juridicamente s\u00f3lida e necess\u00e1ria.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>\u00a0 Empr\u00e9stimos consignados em nome de crian\u00e7as\u00a0 Fraudes envolvendo empr\u00e9stimos consignados em nome de crian\u00e7as benefici\u00e1rias do BPC t\u00eam deixado milhares de fam\u00edlias sem sustento. Contratos firmados sem autoriza\u00e7\u00e3o v\u00e1lida s\u00e3o nulos por lei, mas a fragiliza\u00e7\u00e3o dos controles digitais facilita irregularidades. Fam\u00edlias podem e devem reverter essas situa\u00e7\u00f5es.\u00a0 Imagine descobrir que sua filha de [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-3282","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/camilamoura.adv.br\/index.php?rest_route=\/wp\/v2\/pages\/3282","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/camilamoura.adv.br\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/camilamoura.adv.br\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/camilamoura.adv.br\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/camilamoura.adv.br\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=3282"}],"version-history":[{"count":3,"href":"https:\/\/camilamoura.adv.br\/index.php?rest_route=\/wp\/v2\/pages\/3282\/revisions"}],"predecessor-version":[{"id":3294,"href":"https:\/\/camilamoura.adv.br\/index.php?rest_route=\/wp\/v2\/pages\/3282\/revisions\/3294"}],"wp:attachment":[{"href":"https:\/\/camilamoura.adv.br\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=3282"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}