OAB/RJ 104.994 · Centro, Rio de Janeiro
A law office in central Rio de Janeiro, since 1985.
Moisés Mizrahy represents companies and individuals in health insurance disputes, consumer law, banking law, debt recovery and business law, in Rio de Janeiro. The firm is committed to responding quickly and to keeping every client informed at each stage of the case.
Consultations are by appointment only.
41years in practice
The firm
Four decades in the same city, in the same profession.
The office was founded in 1985 and has been handling cases and court proceedings in Rio de Janeiro ever since, for companies and for individuals.
The practice runs on two complementary fronts · litigation, when a dispute has already reached the Brazilian courts, and advisory work, when the matter can still be resolved before that point, through a contract, a negotiation or a legal opinion.
Moisés Mizrahy holds a postgraduate qualification in Medical Law (Direito Médico) and devotes a significant part of the practice to health insurance matters, a subject on which he writes and lectures.
Practice areas
Where the firm works.
Five areas account for most of the caseload. Each page explains what Brazilian law provides, what the firm does, and answers the questions clients ask most often.
Health insurance and medical law
The plan denied a procedure, raised the monthly premium without a clear explanation, or cancelled the contract. These are the three situations the firm hears about most.
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Consumer law
You paid and never received the product, the service was not delivered as agreed, or a charge appeared that you do not recognise.
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Banking law and abusive interest
The instalment keeps growing, the outstanding balance never shrinks, or a repossession claim has arrived for your vehicle.
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Debt collection and credit recovery
Your company delivered, invoiced and was never paid. Recovering that credit in Brazil is a matter of choosing the right instrument and not missing a deadline.
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Business law and contracts
A well-drafted contract resolves, before it exists, most of the disputes that would otherwise reach a Brazilian court three years later.
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How it works
From the first message to a decision.
First contact
You describe your situation by WhatsApp, phone or the contact form. Nothing is charged at this stage and no step is taken on your behalf.
A scheduled consultation
The consultation takes place at the office in central Rio de Janeiro, by appointment. It is the moment to review documents, contracts and deadlines, and to understand which options exist under Brazilian law.
Choosing the route
Not every dispute needs to become a lawsuit. When an out-of-court route is available, it is presented with its advantages and its limits.
Follow-up
Once a route is chosen, you receive news at every relevant stage. Constant communication is part of the service, not an extra.
Articles
Understand before you decide.
Informational articles on the questions the firm hears most often. None of them replaces an analysis of your own case.
Health plan denied coverage in Brazil: what the law provides
When a health plan in Brazil denies a procedure, the operator must state the reason in writing, in plain language. Coverage is governed by Law 9,656/1998, by ANS regulations and, except for self-managed plans, by the Consumer Protection Code, under Precedent (Súmula) 608 of the Superior Court of Justice. Since Law 14,454/2022, the ANS list is no longer closed and unlisted treatment can be covered when legal requirements are met.
Abusive interest in Brazilian bank contracts: how courts assess it
Precedent (Súmula) 382 of Brazil’s Superior Court of Justice states that interest above 12% per year does not, by itself, indicate abuse. Courts examine whether the rate departs significantly from the average market rate published by the Central Bank of Brazil for that type of credit and period, together with compounding, fees and default charges. Bank contracts are subject to the Consumer Protection Code, under Precedent 297.
Debt collection in Brazil: what a creditor can and cannot do
A creditor in Brazil may collect a debt, even insistently, but article 42 of the Consumer Protection Code forbids exposing the debtor to ridicule or subjecting them to embarrassment or threats. Debts become time-barred within periods that vary with the document recording them, and credit blacklisting has its own maximum period. Collecting a time-barred or already paid debt reverses the parties’ positions.
Contact
Get in touch with the firm.
Describe your situation in a few lines. Consultations are by appointment, at the office in central Rio de Janeiro.
Consultations are by appointment only.