SECOND CHANCE LAW
Lawyers specializing in the Second Chance Law in Murcia
The Second Chance Law is a legal resource that allows you to eliminate your debts in order to start from scratch and overcome a bad economic situation.
Did you know that we can cancel all of your debts?
If you are an individual, self-employed or business owner and debts prevent you from making ends meet, at ACC Legal Abogados we can help you. Our team of lawyers specializing in the Second Chance Law in Murcia will analyze your case to confirm whether you meet the requirements to obtain full forgiveness of your debts. If so, we will explain the steps to follow. The process is quick and simple; in just a few months you could be debt-free, keeping your habitual residence. The first consultation is completely free.
Who is eligible for this measure?
Any individual, self-employed person or business owner with debts that prevent them from making ends meet or who has accumulated debts due to their business.
What types of debts can be cancelled with the Second Chance Law?
The Second Chance Law allows for the cancellation of various debts, both personal and those arising from a business. These include:
- Loans and microcredits of any kind.
- Credit cards and their accumulated debts.
- Unpaid invoices and debts with suppliers.
- Debts with the Treasury and Social Security (with certain limitations).
- Other debts, depending on each case.
What requirements must be met to benefit from the Second Chance Law?
In order to be eligible for the Second Chance Law, several requirements must be met, including:
- Have more than two creditors.
- That the total debt exceeds 10.000 euros.
- Not having a criminal record for economic crimes.
What are the advantages of taking advantage of the Second Chance Law?
The main advantages of this law are:
- Start from scratch, without debts.
- Re-access all types of financing.
- Remove you from default lists such as ASNEF.
- Keep your salary, without the risk of garnishment.
- Stop harassment from your creditors.
How can you benefit from the Second Chance Law?
The process is simple. Our team of lawyers specializing in the Second Chance Law in Murcia analyzes each case in a personalized way to confirm whether the requirements for obtaining full forgiveness of debts are met. If so, all the steps to follow are explained. The process is surprisingly easy and fast; in just a few months, it is possible to be debt-free. Plus, the first consultation is free.
SECOND CHANCE LAWYERS MURCIA
ARE YOU HARASSED BY DEBT? DO YOU NEED LEGAL HELP?
01. First visit free
With the aim that you can get to know us, tell us about your case and we can give you a budget adjusted to your needs, in our office. lawyers specializing in the Second Chance Law in Murcia We offer you a free and no-obligation first visit.
02. Payment facilities
Ensure the best defense without making great financial efforts! In ACC Legal Abogados We offer you monthly payment facilities. Our services adapt to your budget.
03. Fast answer
We are committed to giving you a quick response in the assessment of your case. Your time is important to us.
CUSTOMER OPINIONS
Since we began to practice as lawyers in Murcia We have helped many clients, defending their interests with determination and experience. Thanks to them, we have been able to grow as professionals and also as people. This is what they say about us.
Protect your rights and get the justice you deserve
LAW FIRM SPECIALISTS IN THE SECOND CHANCE LAW IN MURCIA
With the help of a team of highly trained professionals, in our office lawyers specializing in the Second Chance Law in Murcia We assure you the highest level of care and experience. Meet our lawyers!
ALMUDENA CASCALES CAMPUZANO
LAWYER (FOUNDING PARTNER)“The quality of the advice provided to the client is conditional on the lawyer continually updating his knowledge, through attendance at courses and conferences of different kinds. “Loyalty and respect for the client consists of carrying out a thorough study of their particular matter to offer them the best solution.”
Member number 5.532 of the Illustrious Bar Association of Murcia
- Graduate in Law from the University of Murcia.
- Master in International Law at the University of Liverpool.
- Specialist in areas of civil and commercial law, as well as international law, providing legal assistance in English and Spanish.
MARÍA JOSÉ ROSIQUE CARRILERO
LAWYER (PARTNER OF THE FIRM)“Each matter is unique and each client deserves to receive treatment that is different from the rest in order to adequately address their needs. “Professionalism, value and closeness to the client must govern every action carried out by the lawyer.”
Member number 7.682 of the Illustrious Bar Association of Murcia.
- Graduated in Law from the University of Murcia.
- Master's Degree in Law completed at the School of Legal Practice of Murcia.
- Coordinator of the civil, criminal, social and administrative law departments.
WE CALL YOU
With the aim that you can get to know us, tell us about your case and we can give you a budget adjusted to your needs, in our office. lawyers specializing in the Second Chance Law in Murcia We offer you a free and no-obligation first visit. Leave us your contact information and we will call you shortly to make an appointment.
FREQUENTLY ASKED QUESTIONS ABOUT SECOND CHANCE LAW
Below we show you some of the most frequently asked questions that our team receives. lawyers specializing in the Second Chance Law in Murcia.
Who can benefit from the Second Chance Law?
La Second Chance Law It is a measure that self-employed people and individuals who find themselves in a situation of economic blockade or over-indebtedness can resort to, due to debts that they have not been able to pay off.
The procedure to avail of this legal remedy is practically identical in the case of individuals and self-employed persons, with the difference that individuals must initiate the process before a notary, and self-employed persons in the corresponding Commercial Registry or Chamber of Commerce.
What are the requirements to benefit from the Second Chance Law?
The Second Chance Law is not only designed so that those people who find themselves in a complicated economic situation can stay afloat, but it also tries to save, to the extent possible, the collection of creditors.
Therefore, to resort to this mechanism the debtor must meet a series of requirements:
- Be a debtor in good faith.
- The amount of debts must not exceed five million euros.
- Prove that you do not have sufficient assets to pay the debts.
- Not be the subject of a guilty contest. That is, the insolvency situation has not occurred through fraud or gross negligence.
- Having attempted to reach an out-of-court agreement with creditors.
- Not having been convicted of economic crimes, crimes against workers' rights, property, the Public Treasury or Social Security.
- Not having complied with this law in the last 10 years.
How does the Second Chance Act process work?
Although the Second Chance Law offers the possibility of starting from scratch, it must be taken into account that the debtor must invest all of his assets, if he has any, in paying off his debts.
Once the assets have been liquidated, you will be able to present an extrajudicial payment agreement, which will include the withdrawals and waits to form a realistic payment plan for the remaining debt.
Although the Second Chance Law requires that an attempt be made to reach an agreement, it is very common for this to be rejected due to lack of understanding between creditor and debtors. Therefore, we recommend that you have a team of lawyers specializing in the Second Chance Law in Murcia to present these agreements and promote the success of the operation.
If in the end it is not possible to reach an agreement, it will lead to consecutive competition, the judicial phase where the exoneration of outstanding debts will be requested.