Melilla September 14, 2023.
The exonerated woman got divorced and had to move house several times, which caused her to become over-indebted.
Repara tu Deuda, a leading law firm in Spain in the Second Chance Law, has managed to cancel a debt that amounted to 135,000 euros in Melilla by applying the Second Chance Law. SEE SENTENCEThe lawyers of Repara tu Deuda explain their story to us: “the debtor, with her salary, was not able to pay all her needs and requested loans. At first, she was fulfilling her payment obligations with the financial companies. However, everything changed after breaking up her relationship with her partner, which also meant not having his income. This also caused her to have to move several times, which generated an increase in expenses such as rent and deposits, leaving the mortgage payment half pending. Similarly, the divorce process generated some unforeseen expenses. It must be added that with her salary (1,3000 euros) she had to face the unemployment situation in which her daughters fell. She requested a loan and, taking into account that With his payroll he could not provide them with enough help, he resorted to pre-granted loans. Now, the bankrupt, thanks to Repair Your Debt Lawyers and the Second Chance Law, can start again without debt, after ruling by the Commercial Court No. 1 of Malaga (Andalusia) the Benefit of Exoneration of Unsatisfied Liabilities (BEPI) if applicable. In this way, she can start from scratch and reactivate herself in the economy, request new loans if she deems it and get off the delinquency lists. Repair your Debt Lawyers launched its work in 2015, precisely when the law came into force in Spain. Currently, the firm has already reached the figure of 170 million euros in debt cancellation of its clients thanks to the application of the Second Chance Law. The law firm represents more than 20,000 people in court, from of the different autonomous communities of Spain. The forecast is that this figure will continue to increase in the near future, considering that many of those exonerated decide to tell their story in first person and thus encourage others to start the process. The Repara tu Deuda law firm fights so that anyone with problems of debts can access the Second Chance Law, always adapting the fees based on the client’s economic capacity. “Many people are afraid to start the procedures in case it becomes complicated and others simply cannot pay the fees that some lawyers ask of them,” they say. “We – they add – adapt to the situation of our clients because we start from the basis that they are ruined people, who cannot face the debts they have contracted, so it makes no sense to put them in even more debt.” The Law of The Second Opportunity allows individuals and the self-employed to be exonerated from their debts if they previously meet the following conditions: being a debtor in good faith, not exceeding the figure of 5 million euros in amount owed and not having been convicted of socioeconomic crimes in the last ten years prior to the beginning of the process. The profile of those who benefit is very varied: parents who guaranteed their children, small businessmen who set up a business or made investments with negative results, people who are unemployed or in complicated work circumstances, individuals who have been victims of scams, etc. People can also alternatively cancel credit cards, revolving cards, mini-credits, loans and mortgages through the analysis by the office of the contracts signed with banks and financial entities to check if There is some type of abusive clause and you can claim from Cofidis, Moneyman, WiZink, Carrefour, Vivus, Banco Santander, CaixaBank, BBVA, Banco Sabadell, myKredit, Kviku, etc.
Contact Contact name: David Guerrero Contact description: Press Officer Contact telephone number: 655956735
