{"id":2930,"date":"2025-10-09T10:41:40","date_gmt":"2025-10-09T08:41:40","guid":{"rendered":"https:\/\/legalfix.es\/?page_id=2930"},"modified":"2025-10-09T13:17:09","modified_gmt":"2025-10-09T11:17:09","slug":"requisitos-de-la-ley-de-segunda-oportunidad-para-particulares","status":"publish","type":"page","link":"https:\/\/legalfix.es\/en\/requisitos-de-la-ley-de-segunda-oportunidad-para-particulares\/","title":{"rendered":"Requisitos esenciales de la Ley de Segunda Oportunidad para Particulares"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"2930\" class=\"elementor elementor-2930\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-67c14ee e-flex e-con-boxed e-con e-parent\" data-id=\"67c14ee\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-2bcbc31 e-con-full e-flex e-con e-child\" data-id=\"2bcbc31\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;full&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5b13c02 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-heading\" data-id=\"5b13c02\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.19.0 - 07-02-2024 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h1 class=\"elementor-heading-title elementor-size-default\">Essential requirements of the Second Chance Act for individuals<\/h1>\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<div class=\"elementor-element elementor-element-df60a6a e-flex e-con-boxed e-con e-parent\" data-id=\"df60a6a\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f215c8d exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-text-editor\" data-id=\"f215c8d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.19.0 - 07-02-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>As a lawyer expert, my team and I discussed these four key points to ensure that your case is viable:<\/p><h2><span style=\"color: #152539;\">1. Insolvency current or imminent<\/span><\/h2><p>This is the fundamental requirement: <b>you can&#039;t regularly pay off your debts<\/b>.<\/p><ul><li><p><b>What does it mean?<\/b> The fees of your debts, along with your basic expenses exceed the income that you have. In other words, you cannot cope with your financial obligations with the cash that you generate.<\/p><\/li><\/ul><blockquote><p><i>If you do not get to the end of the month or you&#039;re already in breach of payments in the usual way, you meet this point.<\/i><\/p><\/blockquote><h2><span style=\"color: #152539;\">2. Good Faith<\/span><\/h2><p>You must demonstrate that you have acted in \u201cgood faith\u201d to go into debt. This is a point that evaluated the courts, but is summarized in avoiding certain negative behaviors:<\/p><ul><li><p><b>The absence of Convictions:<\/b> You may not have been convicted with a final judgment in the last 10 years by socio-economic offences (against the Treasury, Social Security, estate, workers &#039; rights, or false documentary).<\/p><\/li><li><p><b>Not to Be Guilty in the Contest:<\/b> You must not have been convicted in a contest of creditors earlier.<\/p><\/li><li><p><b>Avoid Reject Employment:<\/b> If you&#039;re on unemployment, you should not have rejected an offer of employment is appropriate to your capabilities in the last four years.<\/p><\/li><\/ul><h2><span style=\"color: #152539;\">3. Debt limit and Age of the Procedure<\/span><\/h2><p>The law sets clear limits for the process to be applicable and accessible:<\/p><ul><li><p><b>Debt ceiling:<\/b> The total amount of debt that you accumulate more <b>can&#039;t be more than 5 million euros<\/b>. (The threshold is very high, most of the individuals comply with this point).<\/p><\/li><li><p><b>Age:<\/b> You may not have applied the procedure of the <b>Second Chance act<\/b> during the last <b>5 years<\/b>.<\/p><\/li><\/ul><h3><span style=\"color: #152539;\">What is the next step?<\/span><\/h3><p>If you feel that you meet these requirements, the most important step is to start the <b>free scan<\/b>. In a Legal Fix, review your documentation and will confirm 100% if you can accept the law and begin to cancel your debts.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5640206 elementor-tablet-align-center elementor-align-center exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-button\" data-id=\"5640206\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/legalfix.es\/en\/contacto\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">I&#039;m interested<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\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>","protected":false},"excerpt":{"rendered":"<p>Requisitos esenciales de la Ley de Segunda Oportunidad para particulares Como abogada experta, mi equipo y yo analizamos estos cuatro puntos clave para garantizar que tu caso sea viable: 1. Situaci\u00f3n de insolvencia actual o inminente Este es el requisito fundamental: no puedes pagar regularmente tus deudas. \u00bfQu\u00e9 significa? Que las cuotas de tus deudas, [&hellip;]<\/p>","protected":false},"author":4,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-2930","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Requisitos Ley Segunda Oportunidad Particulares. \u00bfSoy Viable?<\/title>\n<meta name=\"description\" content=\"\u00bfCumples los requisitos LSO? Analiza en 5 minutos si puedes cancelar tus deudas personales. Te asesoramos sobre solvencia y buena fe. 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