The practice
Insolvency is a procedure, not a failure
Spanish law changed sides. Since the Second Chance Act — and decisively since its 2022 reform — an individual or self-employed worker who cannot pay can have that debt legally cancelled and start again. Companies got their own toolbox: protected pre-insolvency time, restructuring plans, agreements with creditors, and when nothing else is viable, a liquidation that closes in order instead of in panic.
This desk starts with the whole file — debts, income, assets, guarantees — and tells you which procedure fits, what it costs and what survives it, before you commit to anything. Then we run it end to end: filings, court, creditors. One thing we say in every first meeting: in insolvency, arriving early is the difference between choosing your road and having it chosen for you.
Who this is for
Six situations, one desk
If one of these is yours, it has a legal route out — and the earlier the call, the more of your life or your business survives the fix.
The route
From the numbers to the fresh start
The whole picture
Debts, income, assets, guarantees. One honest ledger decides which procedure fits — and what can be kept.
The filing
We prepare and file the petition. The pressure changes sides: individual enforcement halts, and creditors deal with the court.
The procedure
Payment plan or liquidation, agreement or restructuring — we steer the file down the road chosen in step one, and we do the talking.
The discharge
The court cancels what could not be paid. The embargoes end — and what you earn from now on is yours again.
Insolvency Law questions
Before you ask
Do I qualify for the Second Chance Act?
The gate is good faith: being honest with the court and your creditors, and keeping clear of certain economic offences in the years before filing. Most over-indebted people qualify — we check your case against the requirements before anything is filed.
Will I lose my home?
Not necessarily. The law offers a payment-plan route designed to keep assets, and whether it fits depends on the mortgage, the equity and your income. It is the first thing we calculate — and we tell you straight, before you file.
Which debts cannot be cancelled?
Child support and alimony survive, and public debt is dischargeable only in part — tax and Social Security debt up to a legal ceiling each. Everything else — banks, cards, suppliers, guarantees — is on the table.
How long does it take?
A personal case with little to liquidate moves in months; payment plans and company procedures take longer. It depends on the court's backlog as much as the file — we give you the realistic timeline for our courts, not a brochure number.
Can I really start again afterwards — account, business, credit?
Yes — that is the point of the law. The discharge is court-ordered and permanent for the debts it covers, the registries clean up as it takes effect, and nothing stops you working, banking or founding a company again.
The debt has an end date. Let's find it.
Bring your debts and your income as they are — a lawyer tells you which procedure fits and what a fresh start would cost, within one business day.
Prefer to call?
Have your case assessed
Tell us roughly what you owe and to whom — a lawyer replies within one business day.
Appointment request
Pick the office, day and time that suit you — bring the numbers as they are.