{"id":178,"date":"2025-01-08T23:08:33","date_gmt":"2025-01-09T02:08:33","guid":{"rendered":"https:\/\/rbr.adv.br\/?p=178"},"modified":"2025-01-09T14:17:02","modified_gmt":"2025-01-09T17:17:02","slug":"kai","status":"publish","type":"post","link":"https:\/\/rbr.adv.br\/index.php\/2025\/01\/08\/kai\/","title":{"rendered":"Manuten\u00e7\u00e3o de Contratos de Desconto Banc\u00e1rio em Procedimentos de Recupera\u00e7\u00e3o Judicial"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"178\" class=\"elementor elementor-178\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0696497 e-flex e-con-boxed e-con e-parent\" data-id=\"0696497\" 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-db84e06 hfe-nav-menu__align-center hfe-submenu-icon-arrow hfe-submenu-animation-none 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menu-item-object-page parent hfe-creative-menu\"><a href=\"https:\/\/rbr.adv.br\/index.php\/institucional\/\" class = \"hfe-menu-item\">Institucional<\/a><\/li>\n<li id=\"menu-item-47\" class=\"menu-item menu-item-type-post_type menu-item-object-page parent hfe-creative-menu\"><a href=\"https:\/\/rbr.adv.br\/index.php\/informacoes-tecnicas\/\" class = \"hfe-menu-item\">\u00c1reas de atua\u00e7\u00e3o<\/a><\/li>\n<li id=\"menu-item-46\" class=\"menu-item menu-item-type-post_type menu-item-object-page parent hfe-creative-menu\"><a href=\"https:\/\/rbr.adv.br\/index.php\/contato\/\" class = \"hfe-menu-item\">Contato<\/a><\/li>\n<\/ul> \n\t\t\t\t<\/nav>\n\t\t\t<\/div>\n\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-efafb6d e-flex e-con-boxed e-con e-parent\" data-id=\"efafb6d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-caa2dcf e-con-full e-flex e-con e-child\" data-id=\"caa2dcf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-68956e9 elementor-widget elementor-widget-heading\" data-id=\"68956e9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Manuten\u00e7\u00e3o de Contratos de Desconto Banc\u00e1rio em Procedimentos de Recupera\u00e7\u00e3o Judicial<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3c2ee93 elementor-widget elementor-widget-image\" data-id=\"3c2ee93\" 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=\"326\" height=\"155\" src=\"https:\/\/rbr.adv.br\/wp-content\/uploads\/2025\/01\/recuperacaojudicias1.jpg\" class=\"attachment-1536x1536 size-1536x1536 wp-image-228\" alt=\"\" srcset=\"https:\/\/rbr.adv.br\/wp-content\/uploads\/2025\/01\/recuperacaojudicias1.jpg 326w, https:\/\/rbr.adv.br\/wp-content\/uploads\/2025\/01\/recuperacaojudicias1-300x143.jpg 300w\" sizes=\"(max-width: 326px) 100vw, 326px\" \/>\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<div class=\"elementor-element elementor-element-aeda11f elementor-widget elementor-widget-text-editor\" data-id=\"aeda11f\" 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 data-pm-slice=\"0 0 []\">\u00a0 \u00a0 \u00a0 \u00a0 N\u00e3o h\u00e1 como negar que diversos fatores podem levar uma empresa saud\u00e1vel a uma situa\u00e7\u00e3o de crise econ\u00f4mico-financeira. No Brasil, especificamente, a situa\u00e7\u00e3o de crise est\u00e1 mais pr\u00f3xima dos agentes econ\u00f4micos empresariais, dadas as circunst\u00e2ncias j\u00e1 comuns de taxa de juros, infla\u00e7\u00e3o e instabilidade elevada, entre outros problemas de ordem estrutural.<\/p><p>\u00a0 \u00a0 \u00a0 \u00a0 Em conjunto com a crise, surge a dificuldade da empresa em manter o cumprimento de obriga\u00e7\u00f5es em curto e longo prazo presentes em seu passivo (circulante principalmente), atrav\u00e9s de recursos financeiros em caixa, de ter acesso a novas linhas de cr\u00e9dito e de manter o n\u00edvel de cr\u00e9dito j\u00e1 existente e concedido. Nesse ponto, a Lei n\u00ba 11.101, de 9 de fevereiro de 2005, que surgiu com o prop\u00f3sito de proporcionar e viabilizar oportunidades de recupera\u00e7\u00e3o para empresas em situa\u00e7\u00e3o de crise, n\u00e3o fornece os aux\u00edlios necess\u00e1rios para o acesso a cr\u00e9dito. Inclusive, verifica-se que a falta de cr\u00e9dito para empresas em recupera\u00e7\u00e3o impede, na maioria dos casos, que a pr\u00f3pria Lei cumpra a fun\u00e7\u00e3o desejada.<\/p><p>\u00a0 \u00a0 \u00a0 \u00a0 O percurso para tomada de cr\u00e9dito ou sua manuten\u00e7\u00e3o por empresas em recupera\u00e7\u00e3o judicial revela-se tormentoso, na medida em que a restri\u00e7\u00e3o de cr\u00e9dito, principalmente por institui\u00e7\u00f5es financeiras, \u00e9 automaticamente aplicada nesses casos em virtude da pr\u00f3pria regula\u00e7\u00e3o do setor banc\u00e1rio, que, ao contr\u00e1rio de facilitar, acaba dificultando os procedimentos operacionais para concess\u00e3o de cr\u00e9dito.<\/p><p>\u00a0 \u00a0 \u00a0 \u00a0 Na realidade, no nosso pa\u00eds, at\u00e9 mesmo as empresas saud\u00e1veis t\u00eam dificuldade na obten\u00e7\u00e3o de cr\u00e9dito. Para empresas em recupera\u00e7\u00e3o, essa dificuldade cresce exponencialmente. Mesmo quando a capta\u00e7\u00e3o de cr\u00e9dito em recupera\u00e7\u00e3o judicial \u00e9 poss\u00edvel, o dinheiro acaba tendo um alto custo para as empresas que se encontram nesse procedimento, uma vez que as institui\u00e7\u00f5es financeiras atribuem a opera\u00e7\u00f5es dessa natureza uma classifica\u00e7\u00e3o de alto risco de inadimplemento, ou de perigo e incerteza na satisfa\u00e7\u00e3o do cr\u00e9dito pelas empresas.<\/p><p>\u00a0 \u00a0 \u00a0 \u00a0 A tentativa de as empresas em recupera\u00e7\u00e3o manterem a execu\u00e7\u00e3o de contratos banc\u00e1rios, onde h\u00e1 a concess\u00e3o de cr\u00e9dito, n\u00e3o se revela menos problem\u00e1tica do que a concess\u00e3o de cr\u00e9dito novo. O travamento da execu\u00e7\u00e3o de contratos por institui\u00e7\u00f5es financeiras, cujo objeto prev\u00ea a concess\u00e3o continuada de cr\u00e9dito, como ocorre, por exemplo, com os contratos de desconto banc\u00e1rio, de conta-corrente, cart\u00e3o de cr\u00e9dito, entre outros, geralmente \u00e9 tida como medida-padr\u00e3o em vista da presun\u00e7\u00e3o de risco iminente de inadimplemento pelas empresas em recupera\u00e7\u00e3o.<\/p><p>\u00a0 \u00a0 \u00a0 \u00a0 Outrossim, o procedimento de recupera\u00e7\u00e3o judicial, nada obstante ter sido introduzido com o objetivo de sanar a situa\u00e7\u00e3o de crise econ\u00f4mica pelo devedor, possibilitando a preserva\u00e7\u00e3o da atividade empresarial, demonstrou-se como uma ferramenta insuficiente para a obten\u00e7\u00e3o de cr\u00e9dito no mercado pelas empresas em crise. Nesse sentido, apesar de ter o favor legal deferido, muitas empresas n\u00e3o conseguem sequer suportar os custos para tocar o procedimento at\u00e9 a concess\u00e3o da recupera\u00e7\u00e3o judicial, tendo in\u00fameras dificuldades em manter at\u00e9 mesmo as linhas de cr\u00e9dito j\u00e1 existentes.<\/p><p>\u00a0 \u00a0 \u00a0 \u00a0 A falta de regras espec\u00edficas para a obten\u00e7\u00e3o de cr\u00e9dito por empresas em situa\u00e7\u00e3o de crise, seja na Lei n\u00ba 11.101, de 9 de fevereiro de 2005, seja em outros diplomas legislativos, faz com que as institui\u00e7\u00f5es financeiras sejam compelidas a evitar o financiamento de empresas em recupera\u00e7\u00e3o judicial, diante das regras cogentes de aprovisionamento de cr\u00e9ditos em raz\u00e3o de riscos de inadimpl\u00eancia.<\/p><p>\u00a0 \u00a0 \u00a0 \u00a0 Essa mesma situa\u00e7\u00e3o de aprovisionamento obrigat\u00f3rio tamb\u00e9m \u00e9 aplicada para os contratos banc\u00e1rios de execu\u00e7\u00e3o continuada de cr\u00e9dito j\u00e1 concedido, situa\u00e7\u00e3o que tamb\u00e9m dificulta a manuten\u00e7\u00e3o desses pactos pelas institui\u00e7\u00f5es financeiras em procedimentos de recupera\u00e7\u00e3o judicial.<\/p><p>\u00a0 \u00a0 \u00a0 \u00a0 Poucas normas regulamentares disp\u00f5em sobre a concess\u00e3o ou a manuten\u00e7\u00e3o de cr\u00e9dito para empresas em recupera\u00e7\u00e3o judicial, mesmo que de forma indireta, sendo o assunto geralmente tratado em regulamenta\u00e7\u00f5es espec\u00edficas do Conselho Monet\u00e1rio Nacional (CMN) e do Banco Central do Brasil (BCB). Todavia, nenhuma \u00e9 mais criticada pela doutrina especializada do que a Resolu\u00e7\u00e3o CMN n\u00ba 2.682, de 22 de dezembro de 1999, haja vista que referida norma determina o aprovisionamento obrigat\u00f3rio de 100% dos valores fornecidos \u00e0s empresas em recupera\u00e7\u00e3o judicial, mesmo que o contrato n\u00e3o esteja vencido ou inadimplido pelo beneficiado.<\/p><p>\u00a0 \u00a0 \u00a0 \u00a0 Com efeito, mesmo nos contratos onde h\u00e1 a execu\u00e7\u00e3o continuada pela empresa e pela institui\u00e7\u00e3o financeira, a \u00faltima \u00e9 obrigada a realizar o aprovisionamento dos valores em caso de deferimento ou concess\u00e3o de recupera\u00e7\u00e3o judicial, situa\u00e7\u00e3o que torna a execu\u00e7\u00e3o da aven\u00e7a cara e complexa. Logo, sobressai-se como alternativa mais eficiente e vi\u00e1vel para institui\u00e7\u00f5es financeiras a interrup\u00e7\u00e3o do contrato, uma vez que representa medida que proporcionar\u00e1 a redu\u00e7\u00e3o de custos de transa\u00e7\u00e3o, de oportunidade e de ag\u00eancia.<\/p><p>\u00a0 \u00a0 \u00a0 \u00a0 Obviamente que, nestas situa\u00e7\u00f5es, a empresa em crise \u00e9 quem efetivamente sofre com a interrup\u00e7\u00e3o de cr\u00e9dito por institui\u00e7\u00f5es financeiras. Todavia, ainda para os casos em que a empresa dependa exclusivamente de fornecedores que n\u00e3o se enquadram no seguimento de institui\u00e7\u00f5es financeiras, a situa\u00e7\u00e3o n\u00e3o \u00e9 diferente. Isso porque n\u00e3o h\u00e1 grandes benef\u00edcios legais para que fornecedores e demais agentes econ\u00f4micos mantenham a concess\u00e3o de condi\u00e7\u00f5es mais favor\u00e1veis para empresas em recupera\u00e7\u00e3o judicial. Nem mesmo o benef\u00edcio legal previsto no artigo 67, caput e par\u00e1grafo \u00fanico, da Lei n\u00ba 11.101, de 9 de fevereiro de 2005, fez com que essa classe superasse a extrema avers\u00e3o ao risco de inadimplemento decorrente das empresas submersas em procedimento de recupera\u00e7\u00e3o judicial.<\/p><p>\u00a0 \u00a0 \u00a0 \u00a0 Todos os problemas ora relacionados interferem diretamente no fluxo financeiro mais sens\u00edvel de uma empresa em recupera\u00e7\u00e3o. Obviamente que, nesse panorama, est\u00e1 inserida a execu\u00e7\u00e3o de contratos banc\u00e1rios que t\u00eam como objeto o financiamento \u201ccontinuado\u201d de empresas em recupera\u00e7\u00e3o, haja vista que esses contratos interferem diretamente na liquidez do caixa da empresa, sendo muito utilizados e necess\u00e1rios para o adimplemento de obriga\u00e7\u00f5es do passivo circulante de curto prazo.<\/p><p>\u00a0 \u00a0 \u00a0 \u00a0 Nesse cen\u00e1rio se encontra a execu\u00e7\u00e3o dos contratos de desconto banc\u00e1rio, uma vez que se trata de instrumento muito utilizado para a antecipa\u00e7\u00e3o de receb\u00edveis pelas empresas em recupera\u00e7\u00e3o judicial. Outrossim, a suspens\u00e3o da execu\u00e7\u00e3o desse contrato por institui\u00e7\u00f5es financeiras causa diversos transtornos para as empresas, podendo, inclusive, lev\u00e1-las a uma situa\u00e7\u00e3o insuper\u00e1vel de insolvabilidade, com a consequente decreta\u00e7\u00e3o de sua fal\u00eancia.<\/p><p>\u00a0 \u00a0 \u00a0 \u00a0 Em muitos casos, as empresas dependem apenas da antecipa\u00e7\u00e3o de receb\u00edveis para a manuten\u00e7\u00e3o n\u00e3o s\u00f3 do cumprimento de obriga\u00e7\u00f5es cotidianas, mas tamb\u00e9m para a continuidade do pr\u00f3prio procedimento de recupera\u00e7\u00e3o judicial. Em raz\u00e3o disso, n\u00e3o \u00e9 poss\u00edvel ignorar que a interrup\u00e7\u00e3o ou suspens\u00e3o dos contratos de desconto banc\u00e1rio, aliados \u00e0 dificuldade de obten\u00e7\u00e3o de novas linhas de cr\u00e9dito, podem levar \u00e0 fal\u00eancia prematura de empresas que, embora estejam em crise, ainda possuem condi\u00e7\u00f5es de se reestruturar.<\/p><p>\u00a0 \u00a0 \u00a0 \u00a0 Nesse contexto, a aus\u00eancia de mecanismos claros e eficientes para facilitar a obten\u00e7\u00e3o de cr\u00e9dito no mercado pelas empresas em recupera\u00e7\u00e3o judicial evidencia uma lacuna legislativa que demanda aten\u00e7\u00e3o. A cria\u00e7\u00e3o de instrumentos jur\u00eddicos que ofere\u00e7am maior seguran\u00e7a tanto para as empresas em crise quanto para os credores poderia minimizar os riscos envolvidos e, consequentemente, fomentar o financiamento dessas empresas.<\/p><p>\u00a0 \u00a0 \u00a0 \u00a0 Uma poss\u00edvel solu\u00e7\u00e3o seria a regulamenta\u00e7\u00e3o de cr\u00e9ditos estruturados ou garantidos, que reduzissem o impacto do risco de inadimpl\u00eancia, oferecendo contrapartidas reais ou fiduci\u00e1rias como garantia. Ademais, a introdu\u00e7\u00e3o de incentivos fiscais ou tribut\u00e1rios para institui\u00e7\u00f5es que financiem empresas em recupera\u00e7\u00e3o judicial tamb\u00e9m seria um mecanismo interessante para mitigar as dificuldades.<\/p><p>\u00a0 \u00a0 \u00a0 \u00a0 A doutrina especializada frequentemente aponta a necessidade de revis\u00e3o de normas como a Resolu\u00e7\u00e3o CMN n\u00ba 2.682\/1999. Apesar de sua fun\u00e7\u00e3o de prote\u00e7\u00e3o ao sistema financeiro, tal regula\u00e7\u00e3o acaba desestimulando completamente o cr\u00e9dito para empresas em crise, o que \u00e9 contraproducente para os objetivos da pr\u00f3pria recupera\u00e7\u00e3o judicial. Uma abordagem mais equilibrada, que considere a viabilidade econ\u00f4mica das empresas e a preserva\u00e7\u00e3o de seus ativos, seria ben\u00e9fica para o mercado como um todo.<\/p><p>\u00a0 \u00a0 \u00a0 \u00a0 Outro ponto crucial \u00e9 o incentivo \u00e0 negocia\u00e7\u00e3o entre credores e empresas em recupera\u00e7\u00e3o judicial. Mecanismos alternativos de resolu\u00e7\u00e3o de conflitos, como media\u00e7\u00e3o e arbitragem, podem facilitar o entendimento entre as partes e evitar a judicializa\u00e7\u00e3o excessiva, que muitas vezes retarda os processos e agrava a situa\u00e7\u00e3o das empresas.<\/p><p>\u00a0 \u00a0 \u00a0 \u00a0 Por fim, \u00e9 essencial que o sistema jur\u00eddico e econ\u00f4mico brasileiro caminhe no sentido de priorizar a manuten\u00e7\u00e3o da atividade empresarial. Empresas em crise, quando devidamente reestruturadas, t\u00eam potencial para retomar suas opera\u00e7\u00f5es, preservar empregos e contribuir para a economia como um todo. No entanto, para isso, \u00e9 indispens\u00e1vel a cria\u00e7\u00e3o de um ambiente mais favor\u00e1vel ao acesso a cr\u00e9dito, \u00e0 renegocia\u00e7\u00e3o de passivos e \u00e0 execu\u00e7\u00e3o de contratos essenciais para sua recupera\u00e7\u00e3o.<\/p><p>\u00a0 \u00a0 \u00a0 \u00a0 Portanto, fica evidente que a recupera\u00e7\u00e3o judicial, apesar de ser um instrumento valioso, precisa ser acompanhada de outras medidas complementares, tanto legislativas quanto pr\u00e1ticas, que possibilitem \u00e0s empresas em crise superar os desafios impostos pela restri\u00e7\u00e3o de cr\u00e9dito e pela inseguran\u00e7a dos credores. Dessa forma, ser\u00e1 poss\u00edvel alcan\u00e7ar o objetivo maior: a preserva\u00e7\u00e3o da empresa e sua reintegra\u00e7\u00e3o ao mercado de forma saud\u00e1vel e sustent\u00e1vel.<\/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-4dbd23b elementor-widget elementor-widget-heading\" data-id=\"4dbd23b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/www.google.com\/url?sa=t&#038;rct=j&#038;q=&#038;esrc=s&#038;source=web&#038;cd=&#038;cad=rja&#038;uact=8&#038;ved=2ahUKEwj1ufzwkemKAxV_spUCHdgOE_cQFnoECBYQAQ&#038;url=https%3A%2F%2Frevistapgbc.bcb.gov.br%2Frevista%2Farticle%2Fdownload%2F957%2F9%2F561&#038;usg=AOvVaw1exB3nTZwnIAjYQgmDPAFK&#038;opi=89978449\">Continue lendo aqui<\/a><\/h2>\t\t\t\t<\/div>\n\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-162423e e-flex e-con-boxed e-con e-parent\" data-id=\"162423e\" 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<div class=\"elementor-element elementor-element-37451e7 e-con-full e-flex e-con e-child\" data-id=\"37451e7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9147496 elementor-widget elementor-widget-text-editor\" data-id=\"9147496\" 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>&#8220;Consultoria e assessoria a empresas nacionais e estrangeiras.&#8221;<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d18be8e e-con-full e-flex e-con e-child\" data-id=\"d18be8e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c0b5c30 elementor-widget elementor-widget-heading\" data-id=\"c0b5c30\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">REDES SOCIAS<\/h2>\t\t\t\t<\/div>\n\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-70ffc86 e-flex e-con-boxed e-con e-parent\" data-id=\"70ffc86\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div 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3056.2105<\/p><p>Endere\u00e7o: Rua Machado de Assis n\u00ba 397, 2\u00ba pavimento, anexo n\u00ba 01, Bairro Santo In\u00e1cio \u2013 Santa Cruz do Sul \u2013 RS, CEP 96.820-160<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-773c7e9 e-con-full e-flex e-con e-child\" data-id=\"773c7e9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b81d583 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"b81d583\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<a class=\"elementor-icon\" href=\"https:\/\/www.linkedin.com\/company\/roesleradvogadosassociados\/?originalSubdomain=br\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fab-linkedin\" viewBox=\"0 0 448 512\" 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podem levar uma empresa saud\u00e1vel a uma situa\u00e7\u00e3o de crise econ\u00f4mico-financeira. 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