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The couple had two businesses, a kiosk and a bar, which closed due to the crisis derived from COVID-19

Repara tu Deuda Abogados, a leading law firm in Spain in the application of the Second Chance Law, has achieved debt cancellation in Lleida (Catalunya). Through the management of Repara tu Deuda Abogados, the Court of First Instance No. 6 of Lleida (Catalunya) has issued the Benefit of Exoneration of Unsatisfied Liabilities (BEPI) in the case of a couple that had accumulated a debt of 99,194 euros to which they could not I could cope. SEE JUDGMENT

As the lawyers of Repara tu Deuda explain, “their state of insolvency arose from requesting financing to undertake two business ventures, a kiosk and a bar, as well as the expenses inherent to it (rental of premises, equipment and products). At first they had no problem paying the fee since both businesses were earning good income. Unfortunately, as a result of the pandemic caused by COVID-19, they were forced to close both. This situation lasted too long to the point of that ceased their activity. Therefore, their purchasing power and their ability to repay were greatly reduced,” they conclude.

People who benefit from the Second Chance Law see in a very short time what the benefits of being exempt are. In fact, they get off the delinquency lists (like ASNEF) that caused them so much harm. Furthermore, and this also relieves them, they stop receiving calls from banks and financial entities that previously contacted family members, acquaintances and even their own work personnel.

As the years go by, more and more people apply for shelter. Repair Your Debt Lawyers has helped, since its creation in September 2015, distressed people who did not know where to turn for help. To date, there have been more than 20,000 individuals and self-employed people who have turned to the services of the legal office to end their debts and start a new life.

The law firm has managed to exceed the figure of 180 million euros exonerated to people who come from the different autonomous communities. The forecast is that this amount will continue to increase as a result of the high number of files that are already being processed.

This legislation allows both individuals and the self-employed to be exempt from paying their debts if they meet a series of requirements. In general terms, it is sufficient that the bankrupt acts in good faith, without hiding assets or income, that he has not been convicted for socioeconomic reasons in the last ten years and that the amount of the debt does not exceed 5 million of euros.

Repara tu Debta lawyers has an app, known as MyRepara and available for Android and IOS, which allows the reduction of costs derived from the procedure, exhaustive control and meetings with lawyers through the video call system.

For those who cannot use the Second Chance Law, the firm offers to analyze the contracts signed with banks and financial entities. Along these lines, the objective is to check if there are abusive clauses for the cancellation of credit cards, revolving cards, mini-credits, loans and mortgages and thus be able to claim from Cofidis, Moneyman, WiZink, Carrefour, Vivus, Banco Santander, CaixaBank, BBVA, Banco Sabadell, myKredit, Kviku, etc.


Contact name: David Guerrero

Contact description: Press Officer

Contact telephone number: 655956735



Photo caption: Cárdenas, client advocate at Repara tu Deuda Abogados

Author: Repair your Debt Lawyers