Promote an attempt to reach an out-of-court payment agreement at the Notary's Office or at the Commercial Registry, according to the requirements of the individual or self-employed person, and if an agreement is reached with the creditors at the out-of-court stage, the process ends with the agreement and its fulfillment.
It initiates the management of a judicial proceeding of concurso de crededores in which the assets are liquidated if any and with the liquidation the creditors are paid.
Debts that could not be paid through the liquidation process established in the Law may be forgiven provided that the debtor meets certain objective requirements.The Benefit of exoneration of Unsatisfied Liabilities, the novelty of this law, is executed.
Why choose Lawyou office?
We are a law firm to give you peace of mind.
We globally analyze your case to adapt it to your circumstances.
We speak clearly with a budget in order not to have surprises in the process and costs.
You feel you can't get ahead financially, you don't have enough income.
Fear that your creditors (Treasury, SS or bank) will not agree to modify the terms of payment of the debt.
You can't pay rent or food for your children.
Worried that your children may inherit the debt.
You do not want to be on the delinquent list.
Is there such a thing as a second chance?
Up to 100%of debt waiver in case of acceptance
We cancel it
42.125 Debt payed
Eva has paid off 42.125€ with Lawyou and the Second Chance Law.
We cancel it
96.655 Debt payed
Carlos has paid off 96.655€ with Lawyou and the Second Chance Law.
We cancel it
122.969 Debt payed
Lola pays off 122.969€ with Lawyou and the Second Chance Law.
Don't wait any longer! We can help you pay off your debts.
The Second Chance Law (Royal Decree-Law 1/2015, of February 27) may be the solution for those who cannot regularly meet their enforceable obligations, i.e. who are in a critical and irreversible situation.
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Satisfied customers
Write to us now to evaluate your situation in order to carry out the process to apply for this law.
*Note 07.05.2020: Lawyou informs that the publication today in the BOE of the revised text of the insolvency law generates uncertainty about the granting of the benefit of the exemption of public credit in the framework of the second chance procedure. However, there is an important current of jurists specialized in insolvency law that consider its possible concession under the protection of the grounds of STS No. 381/2019 dated July 2, 2019.