{"id":519,"date":"2021-12-29T19:57:41","date_gmt":"2021-12-29T19:57:41","guid":{"rendered":"https:\/\/www.aregaymartin.cat\/?p=519"},"modified":"2021-12-29T19:57:41","modified_gmt":"2021-12-29T19:57:41","slug":"llei-de-segona-oportunitat-que-es-requisits-i-fases","status":"publish","type":"post","link":"https:\/\/www.aregaymartin.cat\/index.php\/2021\/12\/29\/llei-de-segona-oportunitat-que-es-requisits-i-fases\/","title":{"rendered":"LLEI DE SEGONA OPORTUNITAT: QU\u00c8 \u00c9S, REQUISITS I FASES"},"content":{"rendered":"<p><strong>\u00bfQu\u00e8 \u00e9s la Llei de Segona Oportunitat?<\/strong><\/p>\n<p>El Reial Decret 1\/2015, de mecanisme de Segona Oportunitat, reducci\u00f3 de c\u00e0rregues financeres i altres mesures d\u2019ordre social es tracta d\u2019una llei que protegeix als deutors persones f\u00edsiques, ja siguin particulars o aut\u00f2noms.<\/p>\n<p>L\u2019objectiu de la Llei de Segona Oportunitat \u00e9s que aquelles persones que hagin passat per una situaci\u00f3 econ\u00f2mica greu i es trobin en estat de sobre endeutament i d\u2019insolv\u00e8ncia tinguin la possibilitat de cancel\u00b7lar els seus deutes, de tornar a comen\u00e7ar sense haver d\u2019arrossegar-les indefinidament. En definitiva, que tinguin una segona oportunitat.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>\u00bfQuins requisits han de conc\u00f3rrer per accedir a la Llei de Segona Oportunitat?<\/strong><\/p>\n<p><strong>\u00a0<\/strong>Els requisits per accedir a la Llei de Segona Oportunitat s\u00f3n els seg\u00fcents:<\/p>\n<p>&nbsp;<\/p>\n<p>&#8211; Situaci\u00f3 d\u2019insolv\u00e8ncia actual o imminent<\/p>\n<p>&#8211; La quantia dels deutes no pot ser superior als 5 milions d\u2019euros<\/p>\n<p>&#8211; Actuar de bona fe. S\u2019ent\u00e9n que el deutor ha actuat de bona fe quan el sobre endeutament no ha sigut voluntari i ha intentat pr\u00e8viament acords extrajudicials amb els creditors<\/p>\n<p>&#8211; No haver acudit al mecanisme de Segona Oportunitat en els 10 anys anteriors a la sol\u00b7licitud<\/p>\n<p>&#8211; No haver sigut condemnat per delictes econ\u00f2mics (estafa, aixecament de b\u00e9ns, etc.) o de falsedat documental en els deu anys previs a la presentaci\u00f3<\/p>\n<p>&nbsp;<\/p>\n<p><strong>\u00bfQuines s\u00f3n les fases del proc\u00e9s?<\/strong><\/p>\n<p>Las fases del procediment s\u00f3n:<\/p>\n<p>&nbsp;<\/p>\n<p>\u2776 <u>Acord extrajudicial de pagaments.<\/u><\/p>\n<p>El deutor inicia una negociaci\u00f3 amb els creditors per intentar pactar amb ells el pagament dels deutes segons la seva capacitat de pagament.<\/p>\n<p>La negociaci\u00f3 s\u2019inicia amb la presentaci\u00f3 de la proposta de pagament davant del Notari juntament amb tota la documentaci\u00f3 relativa als b\u00e9ns, deutes i ingressos. El Notari designar\u00e0 a un mediador concursal, que \u00e9s qui traslladar\u00e0 la proposta de pagament als creditors.<\/p>\n<p>Si els creditors accepten el pla de pagament, la negociaci\u00f3 finalitzar\u00e0 amb \u00e8xit, amb una Acta d\u2019acord de pagament i el seu compliment.<\/p>\n<p>Si no s\u2019aconsegueix un acord amb els creditors, s\u2019inicia la via judicial.<\/p>\n<p>&nbsp;<\/p>\n<p>\u2777 <u>Concurso de creditors<\/u>.<\/p>\n<p>\u00c9s la fase judicial. Des de l\u2019inici del procediment es suspenen els embargaments.<\/p>\n<p>&nbsp;<\/p>\n<p>\u2778 <u>Fase de liquidaci\u00f3<\/u>.<\/p>\n<p>Es liquida tot el patrimoni del deutor (si existeix), a excepci\u00f3 dels b\u00e9ns necessaris com, per exemple, l\u2019habitatge habitual, i amb tot el que s\u2019obt\u00e9 de la venta dels b\u00e9ns es paguen els deutes.<\/p>\n<p>&nbsp;<\/p>\n<p>\u2779 <u>Sol\u00b7licitud de l\u2019exoneraci\u00f3 dels deutes<\/u>.<\/p>\n<p>Si no existeix patrimoni, o de la venta dels b\u00e9ns resulta una quantitat insuficient per pagar als creditors, el deutor sol\u00b7licita al Jutge que tramita el concurs de creditors que li perdoni o exoneri els deutes restants.<\/p>\n<p>&nbsp;<\/p>\n<p>La participaci\u00f3 d\u2019un advocat especialitzat \u00e9s fonamental per la tramitaci\u00f3 del procediment. Si la teva situaci\u00f3 \u00e9s similar, podem assessorar-te i guiar-te durant tot el proc\u00e9s.<\/p>\n<p>Pots contactar<a href=\"https:\/\/www.aregaymartin.cat\/index.php\/contacte\/\"> aqu\u00ed<\/a> per fer un estudi de la teva situaci\u00f3.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00bfQu\u00e8 \u00e9s la Llei de Segona Oportunitat? El Reial Decret  [&#8230;]<\/p>\n","protected":false},"author":3,"featured_media":520,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[21],"tags":[232,228,226,230,224],"class_list":["post-519","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualitat-juridica","tag-acord-extrajudicial-pagament","tag-concurs-creditors","tag-deutes","tag-exoneracio-deutes","tag-llei-segona-oportunitat"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>LLEI DE SEGONA OPORTUNITAT: QU\u00c8 \u00c9S, REQUISITS I FASES - Laura Aregay Martin<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.aregaymartin.cat\/index.php\/2021\/12\/29\/llei-de-segona-oportunitat-que-es-requisits-i-fases\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"LLEI DE SEGONA OPORTUNITAT: QU\u00c8 \u00c9S, REQUISITS I FASES - Laura Aregay Martin\" \/>\n<meta property=\"og:description\" content=\"\u00bfQu\u00e8 \u00e9s la Llei de Segona Oportunitat? 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