What is the aim of the Second Chance Law?
Our legal system establishes the principle of universal patrimonial responsibility (Article 1.911 of the Civil Code) under which all persons are responsible for the fulfilment of their debts with all their present and future assets. The Second Chance Law tries to make a correction to this principle contained in the Civil Code.
This regulation allows, through an ad hoc administrative procedure, those individuals who have seen their assets increase in the passive part, to restructure and reorganise it. On the one hand, this regulation allows all or some creditors to end up collecting their debts and, on the other hand, the debtor has the possibility of “putting his life back on track and even embarking on new initiatives, without having to drag out indefinitely a slab of debt that he will never be able to satisfy”. (Reasoning of the Royal Decree Law 1/2015, Second Chance Law).
Lawyers for the Second Chance Law
Our expert lawyers in the Second Chance Law know all the particularities of the process and are fully qualified to offer you the best advice as a result of the continuous training they receive. This specific and continuous training is the key that has allowed us to be successful in 100% of the procedures we have been entrusted with to date.
We want to be by your side in this important moment. We know that we can help you write off your debts and obtain the benefits that such writing off entails: disappearing from the records of defaulters, obtaining new financing, being a credit card holder, etc.
Lawyers for individuals in CastelldefelsContact our team of lawyers who specialise in the Second Chance Act. For your maximum convenience you can do this online or by telephone. If you prefer, we will always be available to assist you in person at any of our offices in Barcelona, Castelldefels, Cornellá or Esplugues de Llobregat. Call us, we will help you!