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After a separation and the delivery of the home, I was without work and with a mortgage remainder
A Coruña, April 12, 2024.- Repara tu Deuda Abogados, a leading law firm in Spain in the processing of the Second Chance Law, has achieved debt cancellation in A Coruña (Galicia). Through the management of Repara tu Deuda Abogados, the Commercial Court No. 3 of A Coruña (Galicia) has issued the Benefit of Exoneration of Unsatisfied Liabilities (BEPI) in the case of a woman with a debt of 96,000 euros to whom she could not face. SEE JUDGMENTAs the lawyers of Repara tu Deuda explain, her case is as follows: “her state of insolvency arose from the fact that the debtor, together with her husband, requested a mortgage loan to purchase a home. Initially, there was no problem to pay the monthly installments, but as a result of the separation, given that the woman was unemployed, she moved to her parents’ house. They decided to give up the house, leaving them still to pay a very high amount. Although currently the debtor has a small sewing workshop, with which she can meet her most essential and necessary expenses, could not cope with the situation of over-indebtedness in which she found herself. “As recalled from Repara tu Debta, “Spain incorporated the Law of Second Chance in 2015. We are facing legislation whose origin is located in the United States, a place where it has been in force for more than 100 years. Although figures such as Walt Disney or Steve Jobs have embraced it, the reality is that Most of those who have done it are ordinary people who have seen how a setback has led them to a state of need. With this mechanism, it is also expected to eliminate the stigma they suffer from having experienced an apparent failure. “Repara tu Deuda began its work as an office specialized in the application of the Second Chance Law in September 2015. In all this time it has managed to surpass the figure of 200 million euros exonerated to people who come from the different autonomous communities of Spain. This figure reflects the important social and economic impact that this legislation is having on the lives of so many indebted people. The law firm has more than 23,000 clients who respond to very different profiles and cases. Certainly, the dissemination of the cases together with the explanation by the protagonists of their personal success story means that many have been encouraged to take a step forward with this process. The lawyers of Repair Your Debt considers that they work with indebted people to whom many doors have been closed. For this same reason, the human factor is one of the pillars on which they consider that their work must be based. The objective is that there is no potential debtor who is left without access to the second chance. This legislation allows both individuals and the self-employed to be free of all their debts if they meet a series of prerequisites. In general terms, it is sufficient that the bankrupt has not been convicted of socioeconomic crimes in the last ten years, that he acts at all times in good faith and that he is in a current or imminent state of insolvency. The office can also analyze contracts signed with banks and financial entities. In this sense, the objective is to check if there are abusive clauses for the cancellation of credit cards, revolving cards, mini-credits, loans and mortgages and to be able to claim from Cofidis, Moneyman, WiZink, Carrefour, Vivus, Banco Santander, CaixaBank, BBVA, Banco Sabadell, myKredit, Kviku, etc.
Contact Contact name: David Guerrero Contact description: Press Officer Contact telephone number: 655956735
