[vc_row css=”.vc_custom_1742038767034{padding-top: 15px !important;padding-bottom: 0px !important;}”][vc_column css=”.vc_custom_1742038753902{margin-bottom: 0px !important;}”]
Eliminate your debts that you cannot pay<\/b><\/p><\/div>[\/vc_column][\/vc_row][vc_row equal_height=”yes” content_placement=”middle” parallax=”content-moving” parallax_speed_bg=”1.3″ css=”.vc_custom_1742209307009{padding-bottom: 90px !important;}” el_class=”desktop-dev”][vc_column width=”1\/2″ col_padding=”2″ col_padding_side=”right” offset=”vc_hidden-xs”][vc_column_text]<\/p>\nWhat is the Second Chance Law?<\/h3>\n
It is a law that allows individuals, self-employed workers, and business owners residing in Spain who do not have sufficient income to pay their debts to legally eliminate them.<\/p>\n
Individuals, self-employed workers, and business owners residing in Spain who are unable to pay their debts to at least two different creditors (financial institutions, suppliers, the Treasury, Social Security, etc.).<\/p>\n
[\/vc_column_text][\/vc_column][vc_column width=”1\/2″ col_padding=”2″ col_padding_side=”left” offset=”vc_hidden-xs”][vc_single_image image=”783194″ alignment=”right” css=”.vc_custom_1742041165960{margin-bottom: 0px !important;}”][\/vc_column][\/vc_row][vc_row equal_height=”yes” content_placement=”middle” parallax=”content-moving” parallax_speed_bg=”1.3″][vc_column col_padding=”2″ col_padding_side=”right” offset=”vc_hidden-lg vc_hidden-md vc_hidden-sm”][vc_single_image image=”783194″ alignment=”right” css=”.vc_custom_1742208861970{margin-bottom: 30px !important;}”][vc_column_text]<\/p>\n
It is a law that allows individuals, self-employed workers, and business owners residing in Spain who do not have sufficient income to pay their debts to legally eliminate them.<\/p>\n
Individuals, self-employed workers, and business owners residing in Spain who are unable to pay their debts to at least two different creditors (financial institutions, suppliers, the Treasury, Social Security, etc.).<\/p>\n
[\/vc_column_text][\/vc_column][\/vc_row][vc_row equal_height=”yes” content_placement=”middle” parallax=”content-moving” parallax_speed_bg=”1.3″ bg_color_pre=”bg-color-1″ css=”.vc_custom_1510569612195{padding-top: 90px !important;padding-bottom: 90px !important;background-position: 0 0;background-repeat: no-repeat !important;}”][vc_column width=”1\/2″ col_padding=”2″ col_padding_side=”right” css=”.vc_custom_1494861044583{padding-top: 20px !important;}”][vc_single_image image=”783178″ css=”.vc_custom_1742201811062{margin-bottom: 0px !important;}”][\/vc_column][vc_column width=”1\/2″ col_padding=”2″ col_padding_side=”left”][vc_column_text css=”.vc_custom_1742055112841{margin-bottom: 15px !important;}”]<\/p>\n
It takes about four months, but it can vary depending on the court and the complexity of the case. During this time, creditors cannot collect debts or seize the debtor’s assets.<\/p>\n
[\/vc_column_text][vc_raw_html el_class=”icon-list-service-white”]PHVsPg0KPGxpPkRlYnQgZm9yZ2l2ZW5lc3MuPC9saT4NCjxsaT5Zb3UgZG9uJ3QgbG9zZSB5b3VyIGFzc2V0cy48L2xpPg0KPGxpPlJlbW92YWwgZnJvbSB0aGUgYmFkIGRlYnQgZmlsZS48L2xpPg0KPC91bD4=[\/vc_raw_html][vc_column_text]<\/p>\n
The Second Chance Law represents significant savings, as there are no notary, registry, or Chamber of Commerce fees. Our rates are unique,<\/b> they cover the process and are tailored to your situation and the complexity of the matter.<\/p>\n
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Your honor and your wallet may be at stake<\/p><\/div>[vc_column_text]<\/p>\n
Being on lists like ASNEF, RAI, or EXPERIAN can seriously affect your financial life.
\nFinancial institutions and telephone, insurance, and other companies consult these records to decide whether to grant you credit or services.<\/p>\n
[\/vc_column_text][vc_row_inner css=”.vc_custom_1493381079225{padding-bottom: 30px !important;}”][vc_column_inner width=”1\/2″][vc_icon icon_fontawesome=”fa fa-star-o”][vc_column_text]<\/p>\n
Improper inclusion in a bad debt file can damage your reputation and make it difficult to access financial products. This not only affects your finances but can also harm your business relationships and credibility. If you’ve been included without justification, it’s time to act!<\/p>\n
[\/vc_column_text][\/vc_column_inner][vc_column_inner width=”1\/2″][vc_icon icon_fontawesome=”fa fa-question-circle-o”][vc_column_text]<\/p>\n
If you suspect you’re on a file and that all legal procedures for inclusion haven’t been followed, the first thing to do is try to have your data removed. If you’re unsuccessful, you should send a notice to the company that included you, warning you that you could be subject to legal action.
\nRemember: the law is on your side!<\/p>\n
[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner css=”.vc_custom_1493381079225{padding-bottom: 30px !important;}”][vc_column_inner width=”1\/2″][vc_icon icon_fontawesome=”fa fa-stack-overflow”][vc_column_text]<\/p>\n
You can request compensation between \u20ac2,000 and \u20ac20,000 depending on the impact on your finances.
\nThis compensation not only covers economic damages but also damage to your reputation. The amount will depend on the impact on your life. Assert your rights!<\/p>\n
[\/vc_column_text][\/vc_column_inner][vc_column_inner width=”1\/2″][vc_icon icon_fontawesome=”fa fa-handshake-o”][vc_column_text]<\/p>\n
If you believe you have been unfairly included, seek expert help. At Lexlegis, we can help you. We will review your case free of charge. And we will guide you through the claims process, helping you obtain the compensation you deserve.<\/p>\n
[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row equal_height=”yes” content_placement=”middle” parallax=”content-moving” parallax_speed_bg=”1.3″ css=”.vc_custom_1742209403472{padding-bottom: 90px !important;}” el_class=”desktop-dev”][vc_column width=”1\/2″ col_padding=”2″ col_padding_side=”right”][vc_column_text]<\/p>\n
These requirements are essential to ensure that inclusion in the register is legal and justified:<\/p>\n
There must be a clause in the contract that the customer has breached, which explicitly informs them of the possibility of their data being transferred to a bad debt register.<\/p>\n
This information can also be provided to the debtor in the payment request.<\/p>\n
A prior payment request must have been made to the debtor before inclusion in the register.<\/p>\n
[\/vc_column_text][\/vc_column][vc_column width=”1\/2″ col_padding=”2″ col_padding_side=”left”][vc_single_image image=”783239″ alignment=”right” css=”.vc_custom_1742060511019{margin-bottom: 0px !important;}”][\/vc_column][\/vc_row][vc_row equal_height=”yes” content_placement=”middle” parallax=”content-moving” parallax_speed_bg=”1.3″ css=”.vc_custom_1542790532177{padding-bottom: 90px !important;}”][vc_column col_padding=”2″ col_padding_side=”right” offset=”vc_hidden-lg vc_hidden-md vc_hidden-sm”][vc_single_image image=”783239″ alignment=”right” css=”.vc_custom_1742209458615{margin-bottom: 25px !important;}”][vc_column_text]<\/p>\n
These requirements are essential to ensure that inclusion in the register is legal and justified:<\/p>\n
There must be a clause in the contract that the customer has breached, which explicitly informs them of the possibility of their data being transferred to a bad debt register.<\/p>\n
This information can also be provided to the debtor in the payment request.<\/p>\n
A prior payment request must have been made to the debtor before inclusion in the register.<\/p>\n
[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":"
[vc_row css=”.vc_custom_1742038767034{padding-top: 15px !important;padding-bottom: 0px !important;}”][vc_column css=”.vc_custom_1742038753902{margin-bottom: 0px !important;}”][\/vc_column][\/vc_row][vc_row equal_height=”yes” content_placement=”middle” parallax=”content-moving” parallax_speed_bg=”1.3″ css=”.vc_custom_1742209307009{padding-bottom: 90px !important;}” el_class=”desktop-dev”][vc_column width=”1\/2″ col_padding=”2″ col_padding_side=”right” offset=”vc_hidden-xs”][vc_column_text] What is the Second Chance Law? It is a law that allows individuals, self-employed workers, and business owners residing in Spain who do not have sufficient income to pay […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-783355","page","type-page","status-publish","hentry"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/lexlegis.es\/en\/wp-json\/wp\/v2\/pages\/783355","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lexlegis.es\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/lexlegis.es\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/lexlegis.es\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/lexlegis.es\/en\/wp-json\/wp\/v2\/comments?post=783355"}],"version-history":[{"count":9,"href":"https:\/\/lexlegis.es\/en\/wp-json\/wp\/v2\/pages\/783355\/revisions"}],"predecessor-version":[{"id":783374,"href":"https:\/\/lexlegis.es\/en\/wp-json\/wp\/v2\/pages\/783355\/revisions\/783374"}],"wp:attachment":[{"href":"https:\/\/lexlegis.es\/en\/wp-json\/wp\/v2\/media?parent=783355"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}