{"id":5935,"date":"2021-11-08T19:44:22","date_gmt":"2021-11-08T18:44:22","guid":{"rendered":"https:\/\/www.bbsabogados.com\/banking-and-financial-law\/bankruptcy-law-and-second-chance\/"},"modified":"2026-01-19T19:02:24","modified_gmt":"2026-01-19T18:02:24","slug":"bankruptcy-law-and-second-chance","status":"publish","type":"page","link":"https:\/\/www.bbsabogados.com\/en\/banking-and-financial-law\/bankruptcy-law-and-second-chance\/","title":{"rendered":"Bankruptcy Law and Second Chance"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"5935\" class=\"elementor elementor-5935 elementor-115\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dab3926 e-flex e-con-boxed e-con e-parent\" data-id=\"dab3926\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-2104539 e-con-full e-flex e-con e-child\" data-id=\"2104539\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-057ce8c elementor-widget elementor-widget-image\" data-id=\"057ce8c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1164\" height=\"350\" src=\"https:\/\/www.bbsabogados.com\/wp-content\/uploads\/2020\/05\/leysegundaoportunidad.jpg\" class=\"attachment-full size-full wp-image-721\" alt=\"ley segunda oportunidad\" srcset=\"https:\/\/www.bbsabogados.com\/wp-content\/uploads\/2020\/05\/leysegundaoportunidad.jpg 1164w, https:\/\/www.bbsabogados.com\/wp-content\/uploads\/2020\/05\/leysegundaoportunidad-300x90.jpg 300w, https:\/\/www.bbsabogados.com\/wp-content\/uploads\/2020\/05\/leysegundaoportunidad-1024x308.jpg 1024w, https:\/\/www.bbsabogados.com\/wp-content\/uploads\/2020\/05\/leysegundaoportunidad-768x231.jpg 768w\" sizes=\"(max-width: 1164px) 100vw, 1164px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a703fdb elementor-widget elementor-widget-breadcrumbs\" data-id=\"a703fdb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"breadcrumbs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p id=\"breadcrumbs\"><span><span><a href=\"https:\/\/www.bbsabogados.com\/en\/\"><i class=\"fa fa-home\"><\/i><\/a><\/span><\/span><\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ba39e66 e-con-full e-flex e-con e-child\" data-id=\"ba39e66\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-b30bb35 e-con-full e-flex e-con e-child\" data-id=\"b30bb35\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2ab197e elementor-widget elementor-widget-heading\" data-id=\"2ab197e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">\"Creado en 1988 BBS Abogados Asociados Asesores Legales y Tributarios est\u00e1 especializado en todos los campos que componen el derecho de la empresa.\".<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-21fd1e9 elementor-widget elementor-widget-image\" data-id=\"21fd1e9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"600\" height=\"600\" src=\"https:\/\/www.bbsabogados.com\/wp-content\/uploads\/2020\/05\/lso01.jpg\" class=\"attachment-large size-large wp-image-949\" alt=\"\" srcset=\"https:\/\/www.bbsabogados.com\/wp-content\/uploads\/2020\/05\/lso01.jpg 600w, https:\/\/www.bbsabogados.com\/wp-content\/uploads\/2020\/05\/lso01-300x300.jpg 300w, https:\/\/www.bbsabogados.com\/wp-content\/uploads\/2020\/05\/lso01-150x150.jpg 150w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ebab49e elementor-widget elementor-widget-wp-widget-fetch_tweets_widget_by_id\" data-id=\"ebab49e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"wp-widget-fetch_tweets_widget_by_id.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<strong>Fetch Tweets<\/strong>: Could not authenticate you. Code: 32\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-978f90d e-con-full e-flex e-con e-child\" data-id=\"978f90d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a1e3d53 elementor-widget elementor-widget-heading\" data-id=\"a1e3d53\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Derecho Concursal y Segunda Oportunidad<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-99dbf08 elementor-widget elementor-widget-heading\" data-id=\"99dbf08\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Resolvemos sus dudas:<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b397dc4 elementor-widget elementor-widget-text-editor\" data-id=\"b397dc4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul>\n<li>\n<h6><span class=\"titulararea2\">\u00bfQui\u00e9n puede acogerse a la ley?<\/span><\/h6>\n<\/li>\n<li>\n<h6><span class=\"titulararea2\">\u00bfCu\u00e1l es el primer paso para acogerse a ella?<\/span><\/h6>\n<\/li>\n<li>\n<h6><span class=\"titulararea2\">\u00bfQu\u00e9 requisitos hay que cumplir para que el acuerdo extrajudicial sea fruct\u00edfero?<\/span><\/h6>\n<\/li>\n<li>\n<h6><span class=\"titulararea2\">\u00bfHay alguna figura que ayude en la negociaci\u00f3n?<\/span><\/h6>\n<\/li>\n<li>\n<h6><span class=\"titulararea2\">\u00bfQu\u00e9 requisitos hay que cumplir en el concurso de acreedores?<\/span><\/h6>\n<\/li>\n<li>\n<h6><span class=\"titulararea2\">\u00bfEl emprendedor se libra de todas las deudas?<\/span><\/h6>\n<\/li>\n<li>\n<h6><span class=\"titulararea2\">\u00bfAparecer\u00e1 el emprendedor\/deudor en alguna &#8216;lista de morosos&#8217;?<\/span><\/h6>\n<\/li>\n<li>\n<h6><span class=\"titulararea2\">\u00bfQui\u00e9n tendr\u00e1 acceso a dicho registro?<\/span><\/h6>\n<\/li>\n<li>\n<h6><span class=\"titulararea2\">\u00bfLas deudas desaparecen para siempre?<\/span><\/h6>\n<\/li>\n<li>\n<h6><span class=\"titulararea2\">\u00bfPueden quedar libres de cargas los avaladores?<\/span><\/h6>\n<\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d8f39be elementor-widget elementor-widget-text-editor\" data-id=\"d8f39be\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>En <strong><a href=\"http:\/\/www.bbsabogados.com\">BBS Abogados<\/a><\/strong>, contamos con una \u00e1rea especializada en Derecho Concursal y Segunda Oportunidad: <strong><a href=\"https:\/\/www.afectadossegundaoportunidad.com\/\">Afectados Segunda Oportunidad<\/a><\/strong>. Esta \u00e1rea esta formada por abogados especializados en la materia.\u00a0<\/p>\n<p>La<strong><a href=\"https:\/\/www.boe.es\/buscar\/pdf\/2015\/BOE-A-2015-8469-consolidado.pdf\"> <span style=\"color: #000080;\">L<\/span>ey de Segunda Oportunidad<\/a>,<\/strong> dispone un mecanismo al alcance de todas aquellas personas que no pueden hacer frente a las deudas adquiridas, con independencia de cu\u00e1l sea su origen: proyecto empresarial fallido, pr\u00e9stamos para consumo, tarjetas de cr\u00e9dito, avales o de un pr\u00e9stamo hipotecario. A partir de la citada Ley, los afectados podr\u00e1s ver <strong>\u201cexoneradas\u201d pr\u00e1cticamente el 100% de sus deudas.\u00a0<\/strong><\/p>\n<p>Se deber\u00e1n cumplir unos determinados requisitos (intentar alcanzar acuerdo extrajudicial, no ocultaci\u00f3n de bienes, no haber sido condenado por delitos socioecon\u00f3micos y pagos de deudas muy puntuales). Pero una vez iniciado el procedimiento el cliente ver\u00e1 como en un a\u00f1o aproximadamente obtendr\u00e1 la exoneraci\u00f3n solicitada.<\/p>\n<p>Como podemos observar, la &#8220;Ley de Segunda Oportunidad&#8221; se configura como una nueva v\u00eda para todos aquellos que desean emprender una nueva aventura empresarial o simplemente extinguir sus deudas.<\/p>\n<p>Desde <a href=\"http:\/\/www.bbsabogados.com\">BBS Abogados<\/a>, <strong>les asesoramos y acompa\u00f1amos durante todo el procedimiento<\/strong>, para que usted tenga la seguridad y la tranquilidad de estar en las mejores manos posibles. No dude en contactar con nosotros rellenando el siguiente<a href=\"https:\/\/www.bbsabogados.com\/oficinas\/\"> formulario<\/a>, escribi\u00e9ndonos a <a href=\"mailto:bbsabogados@bbsabogados.com\">bbsabogados@bbsabogados.com<\/a>\u00a0o llamando al tel\u00e9fono 93 760 53 77 | 619 255 875.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-92b7b4d elementor-widget elementor-widget-image\" data-id=\"92b7b4d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"http:\/\/www.afectadossegundaoportunidad.com\" target=\"_blank\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.bbsabogados.com\/wp-content\/uploads\/2020\/02\/lso_400x400_twitter-300x300.png\" class=\"attachment-medium size-medium wp-image-389\" alt=\"Ley de segunda oportunidad\" srcset=\"https:\/\/www.bbsabogados.com\/wp-content\/uploads\/2020\/02\/lso_400x400_twitter-300x300.png 300w, https:\/\/www.bbsabogados.com\/wp-content\/uploads\/2020\/02\/lso_400x400_twitter-150x150.png 150w, https:\/\/www.bbsabogados.com\/wp-content\/uploads\/2020\/02\/lso_400x400_twitter.png 400w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-096d5c6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"096d5c6\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a7bed05\" data-id=\"a7bed05\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fbeb0d5 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"fbeb0d5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-e6f0206 e-flex e-con-boxed e-con e-parent\" data-id=\"e6f0206\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-98bbb7c e-con-full e-flex e-con e-child\" data-id=\"98bbb7c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;slideshow&quot;,&quot;background_slideshow_gallery&quot;:[{&quot;id&quot;:949,&quot;url&quot;:&quot;https:\\\/\\\/www.bbsabogados.com\\\/wp-content\\\/uploads\\\/2020\\\/05\\\/lso01.jpg&quot;},{&quot;id&quot;:953,&quot;url&quot;:&quot;https:\\\/\\\/www.bbsabogados.com\\\/wp-content\\\/uploads\\\/2020\\\/05\\\/lso02.jpg&quot;},{&quot;id&quot;:957,&quot;url&quot;:&quot;https:\\\/\\\/www.bbsabogados.com\\\/wp-content\\\/uploads\\\/2020\\\/05\\\/lso03.jpg&quot;}],&quot;background_slideshow_loop&quot;:&quot;yes&quot;,&quot;background_slideshow_slide_duration&quot;:5000,&quot;background_slideshow_slide_transition&quot;:&quot;fade&quot;,&quot;background_slideshow_transition_duration&quot;:500}\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-68dc190 e-con-full e-flex e-con e-child\" data-id=\"68dc190\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-b831f9c e-con-full e-flex e-con e-child\" data-id=\"b831f9c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-37c830a e-con-full e-flex e-con e-child\" data-id=\"37c830a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a063b05 elementor-widget elementor-widget-image\" data-id=\"a063b05\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.bbsabogados.com\/wp-content\/uploads\/elementor\/thumbs\/smile-segunda-oportunidad-or8rm283hxpn1ntm3eko7fvtb2c144ps4gg52f17u0.png\" title=\"smile-segunda-oportunidad\" alt=\"smile_ley-segunda-oportunidad\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-14b8479 elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"14b8479\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Con la Ley de Segunda Oportunidad<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9b0741a elementor-widget elementor-widget-heading\" data-id=\"9b0741a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><a href=\"http:\/\/www.afectadossegundaoportunidad.com\" target=\"_blank\">Es posible volver a empezar. <br>\nLe liberamos de todas sus deudas.<br>\n<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b2c8ea8 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"b2c8ea8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"http:\/\/www.afectadossegundaoportunidad.com\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">afectadossegundaoportunidad.com<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ca1a7dc elementor-widget elementor-widget-heading\" data-id=\"ca1a7dc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><a href=\"http:\/\/www.afectadossegundaoportunidad.com\" target=\"_blank\">Un portal especializado de BBS Abogados.\n\n<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>&#8220;Creado en 1988 BBS Abogados Asociados Asesores Legales y Tributarios est\u00e1 especializado en todos los campos que componen el derecho de la empresa.&#8221;. Derecho Concursal y Segunda Oportunidad Resolvemos sus dudas: \u00bfQui\u00e9n puede acogerse a la ley? \u00bfCu\u00e1l es el primer paso para acogerse a ella? \u00bfQu\u00e9 requisitos hay que cumplir para que el acuerdo [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2329,"parent":5933,"menu_order":1,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"class_list":["post-5935","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Bankruptcy Law and Second Chance - Despacho BBS Abogados<\/title>\n<meta name=\"description\" content=\"Bankruptcy Law and Second Chance. 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