Second chance law

Personal insolvency lawyer in Barcelona

Spanish law lets you write off debts you cannot pay and start again. It is not automatic: it requires good faith to be established and the file to be properly prepared.

We have obtained discharges of remaining debt for individuals and the self-employed. We assess whether your case qualifies before you spend a euro.

Are the debts beyond you?

We tell you frankly whether your case fits the law. The first assessment costs nothing.

How we can help

We handle the whole procedure, from the viability assessment through to discharge. If this is your situation, get in touch.

Who can apply?

Over-indebted individuals and self-employed people acting in good faith: no concealed assets or income, and no disqualifying convictions. You need not have run a business or hold any minimum assets. Contact the firm

Which debts can be written off

Personal loans, revolving credit cards, overdrafts, guarantees, supplier debts and, within limits, public debt. What is in and what is out is assessed case by case. Contact the firm

Discharge with or without liquidation

Since the reform, debts can be discharged while keeping your main home through a payment plan, without liquidating everything. We assess which of the two routes suits you. Contact the firm

Coming off the credit blacklists

Discharge lets you apply for removal from the national credit default registers. Without that step, a court write-off does not translate into being able to function normally again. Contact the firm

Stopping attachments and enforcement

Admission of the insolvency application suspends enforcement and attachments on wages and accounts. In practice it is the first real relief. Contact the firm

The self-employed and business debts

Tax and social security debts from the business, personal guarantees and liability for company debts. Each has its own treatment within the procedure. Contact the firm

Which situation are you in?

Are your wages attached every month?

Attachments are suspended once the insolvency application is admitted. Before that, we check whether the amount being taken respects the statutory limits, because very often it does not. Contact the firm

Been told your case does not qualify?

The law changed in 2022 and many earlier criteria no longer apply. It is worth a second look at the file before writing it off. Contact the firm