SECOND CHANCE LAW

ACC LEGAL ABOGADOS

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're an individual, self-employed, or a business owner and debt is preventing you from making ends meet, ACC Legal Abogados can help. Our team of lawyers specializing in the Second Chance Law in Murcia will analyze your case to determine if you meet the requirements for full debt forgiveness. If so, we'll explain the next steps. The process is quick and easy; in just a few months, you could be debt-free and keep your home. The initial 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 individually to confirm whether the requirements for full debt forgiveness are met. If so, all the necessary steps are explained. The process is surprisingly easy and fast; in just a few months, it's possible to be debt-free. Furthermore, the initial consultation is free.

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SECOND CHANCE LAWYERS MURCIA

ARE YOU HARASSED BY DEBT? DO YOU NEED LEGAL HELP?

01. Request an appointment

Request an appointment at our law firm specializing in the Second Chance Law in Murcia so we can meet you and assess your case individually. You can do this directly from our website, through the appointment request form, or by using the call button to contact us quickly.

02. Payment facilities

Secure the best defense without breaking the bank! At ACC Legal Abogados, we offer flexible monthly payment plans. Our services are tailored 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.

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LAWYERS SPECIALISTS IN THE SECOND CHANCE LAW IN MURCIA

CUSTOMER OPINIONS

Since we began practicing law in Murcia, we have helped many clients, defending their interests with determination and experience. Thanks to them, we have grown both professionally and personally. Here's what they say about us.

      Excellent rating  
 Based on 95 reviews 
    
  
 
 
      Trustindex verifies that the original source of the review is Google. They did an excellent job with my regularization 🙌🏻
     
   Mauricio Rosales 
 16/09/2026
 
 
 
 
    Trustindex verifies that the original source of the review is Google. They took care of everything. Reasonable prices.
     
   Valeria Ramos 
 04/09/2026
 
 
 
 
    Trustindex verifies that the original source of the review is Google. The ACC Legal team has accompanied and advised us throughout a long legal process of over eight years. Fortunately, we came to them after another firm rejected our case, seeing no viable options. At ACC, they guided us with great professionalism, confidence, and clarity in addressing all possible scenarios from the very beginning and throughout this long period. On a personal level, it hasn't been easy, and having professional support has been one of the most important aspects to consider in navigating the process successfully. We can only express our gratitude for their excellent work and treatment. After so much time, we can say that it has been worthwhile, and we are fortunate to have found them at the right time. Thank you so much, María José, and thank you, Almudena, for your professionalism and support.
     
   CJA 
 22/06/2026
 
 
 
 
    Trustindex verifies that the original source of the review is Google. The entire team has been incredibly professional, clear, and attentive throughout my residency application process. I especially want to thank Ms. Claudia Grao, with whom I was in contact most of the time. She was always very receptive, patient, and thorough in her explanations, which made the whole process much smoother and less stressful. I recommend them without hesitation: they work with rigor, compassion, and excellent communication.
     
   Sirius Marie Daquigan (Sai) 
 17/06/2026
 
 
 
 
    Trustindex verifies that the original source of the review is Google. I hired ACC Legal to deal with a contract dispute in the sale of a horse. She advocated well for me and we came to a good agreement with the other party. I wasn't always easy to get ahold of as I'm in another country but she was persistent and professional. I thought what she charged was fair and she was clear about her pricing. I hope to never need her services again but if I do, I will not hesitate to contact her again.
     
   Marsha Ayers 
 15/06/2026
 
 
 
 
    Trustindex verifies that the original source of the review is Google. María José and Claudia were always attentive whenever I had questions about the requirements for my application. I must say they are professional, friendly, and always willing to answer my questions. They helped us step by step and guided us through the residency process, and I will definitely contact them again for any legal matters that may arise in the future. Top-notch service and highly recommended. Thank you so much for your work! 😁
     
   Hazel Deen Gasacao 
 01/06/2026
 
 
 
 
    Trustindex verifies that the original source of the review is Google. Very pleased with ACC Legal for their professionalism. We approached them with a complex case after being rejected by another firm that considered the case lost. We won the initial trial, and they successfully responded to the subsequent appeals. Thanks to them, we were able to obtain compensation for the harm suffered. Special thanks to María José for her excellent work preparing for the trial and in our defense, and to Almudena for her professionalism.
     
   Grégory Mercier 
 22/05/2026
 
 
 
 
    Trustindex verifies that the original source of the review is Google. It is in complex, difficult and unjust situations that the forceful and firm lawyer MJ acts, capable of making the impossible possible, achieving the "unachievable" and defending the indefensible, achieving solutions, justice and light because there is always a glimmer of faith and hope for those people who, immersed in a sea of powerlessness and disorientation, trust and believe in her, transmitting security, tranquility and strength.
     
   Carlos Navarro Gordo 
 11/05/2026

Protect your rights and get the justice you deserve

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OUR TEAM

LAW FIRM SPECIALISTS IN THE SECOND CHANCE LAW IN MURCIA

With a team of highly qualified professionals, our law firm specializing in the Second Chance Law in Murcia guarantees you the highest level of service and expertise. 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.

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LAWYERS SPECIALISTS IN THE SECOND CHANCE LAW IN MURCIA

FREQUENTLY ASKED QUESTIONS ABOUT SECOND CHANCE LAW

Below are some of the most frequently asked questions received by our team of lawyers specializing in the Second Chance Law in Murcia.

Who can benefit from the Second Chance Law?

The Second Chance Law is a measure that can be used by self-employed individuals and private citizens who find themselves in a situation of economic hardship or over-indebtedness, due to debts they have been unable 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 these agreements to be rejected due to a lack of understanding between creditors and debtors. Therefore, we recommend that you engage a team of lawyers specializing in the Second Chance Law in Murcia to present these agreements and facilitate the success of the transaction.

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.