{"id":309645,"date":"2021-09-09T09:47:02","date_gmt":"2021-09-09T09:47:02","guid":{"rendered":"https:\/\/centregestor.es\/?p=309645"},"modified":"2021-09-09T09:47:02","modified_gmt":"2021-09-09T09:47:02","slug":"llei-de-la-segona-oportunitat-cancella-el-teu-deute","status":"publish","type":"post","link":"https:\/\/centregestor.es\/ca\/llei-de-la-segona-oportunitat-cancella-el-teu-deute\/","title":{"rendered":"Llei de la Segona Oportunitat: cancel\u00b7la el teu deute"},"content":{"rendered":"<h2>Llei de la Segona Oportunitat per a aut\u00f2noms i particulars<\/h2>\n<div data-pm-slice=\"1 1 []\" data-en-clipboard=\"true\">\n<p>Ets aut\u00f2nom i no pots fer front als teus deutes?<\/p>\n<p><strong>La Llei de Segona Oportunitat exonera els deutes de les persones el negoci de les quals ha entrat en fallida i no poden atendre les seves obligacions de pagament.<\/strong> Arran del COVID-19 molts aut\u00f2noms s&#8217;han vist obligats a rec\u00f3rrer a ella. \u00c9s especialment avantatjosa per als particulars que desenvolupen una activitat professional o empresarial.<\/p>\n<p>En aquest article analitzem el <strong>funcionament, els requisits i els principals avantatges de la Llei de la Segona Oportunitat<\/strong> per a un aut\u00f2nom.<\/p>\n<\/div>\n<div><\/div>\n<div class=\"fusion-reading-box-container reading-box-container-1\" style=\"--awb-title-color:#00172b;--awb-margin-top:0px;--awb-margin-bottom:84px;\"><div class=\"reading-box\" style=\"background-color:#f6f6f6;border-width:1px;border-color:#f6f6f6;border-left-width:3px;border-left-color:var(--primary_color);border-style:solid;\"><a class=\"button fusion-button button-default fusion-button-default-size button-default-size button-flat fusion-desktop-button fusion-tagline-button continue fusion-desktop-button-margin continue-right\" style=\"-webkit-box-shadow:none;-moz-box-shadow:none;box-shadow:none;border-radius:2px 2px 2px 2px\" href=\"https:\/\/centregestor.es\/ca\/contacte\/\" target=\"_self\"><span>POSA'T EN CONTACTE AMB NOSALTRES<\/span><\/a><h2>Som assessors fiscals experts<\/h2><div class=\"reading-box-additional fusion-reading-box-additional\"><\/p>\n<p>Si et trobes en situaci\u00f3 d&#8217;insolv\u00e8ncia i no pots assumir el pagament dels teus deutes, contacta amb nosaltres i busquem la manera de procedir m\u00e9s adequat per al teu cas concret.<\/p>\n<p><strong>Centre Gestor t&#8217;ofereix el servei integral de confian\u00e7a que t&#8217;ajudar\u00e0 a cr\u00e9ixer i avan\u00e7ar.<\/strong><\/p>\n<p><\/div><div class=\"fusion-clearfix\"><\/div><a class=\"button fusion-button button-default fusion-button-default-size button-default-size button-flat fusion-mobile-button continue-right\" style=\"-webkit-box-shadow:none;-moz-box-shadow:none;box-shadow:none;border-radius:2px 2px 2px 2px\" href=\"https:\/\/centregestor.es\/ca\/contacte\/\" target=\"_self\"><span>POSA'T EN CONTACTE AMB NOSALTRES<\/span><\/a><\/div><\/div>\n<p>&nbsp;<\/p>\n<h2>Qu\u00e8 \u00e9s la Llei de la Segona Oportunitat i com funciona<\/h2>\n<p>Aquesta llei <strong>permet que qualsevol particular o petit empresari pugui tornar a comen\u00e7ar des de zero si la seva situaci\u00f3 financera \u00e9s insostenible.<\/strong><br \/>\nEl primer pas que contempla la Llei \u00e9s plantejar un acord de pagament als creditors. \u00c9s a dir, plantejar unes quotes \u00bbadaptades a la situaci\u00f3 real de les persones afectades\u00bb. Aix\u00f2 s&#8217;aconsegueix donant el termini de fins a 10 anys per a abonar aquestes quotes. Aix\u00f2 s\u00ed, les quotes sempre seran proposades de manera que el seu pagament no condicioni la vida de les persones deutores.<\/p>\n<p>Si no s&#8217;arriba a un acord, el jutge podria arribar a exonerar al deutor. En el cas que sigui un particular, es resoldr\u00e0 en els jutjats de Primera Inst\u00e0ncia, i si \u00e9s empresari es fa per via mercantil.<\/p>\n<p>&nbsp;<\/p>\n<h2>Quins passos seguim en *Centre Gestor per a tramitar aquest proc\u00e9s per tu?<\/h2>\n<div class=\"fusion-flip-boxes flip-boxes row fusion-columns-4 flip-effect-classic\" style=\"--awb-flip-duration:0.8s;\"><div class=\"fusion-flip-box-wrapper fusion-column col-lg-3 col-md-3 col-sm-3\"><div class=\"fusion-flip-box flip-right\" tabindex=\"0\"><div class=\"flip-box-inner-wrapper\"><div class=\"flip-box-front\" style=\"--awb-background-color-front:#00172b;--awb-title-front-color:#f8b93d;--awb-text-front-color:#f8b93d;\"><div class=\"flip-box-front-inner\"><h2 class=\"flip-box-heading without-text\">Entrevista amb el client<\/h2><\/div><\/div><div class=\"flip-box-back\" style=\"--awb-background-color-back:#00172b;--awb-title-back-color:#f8b93d;--awb-text-back-color:#f8b93d;\"><div class=\"flip-box-back-inner\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-flip-box-wrapper fusion-column col-lg-3 col-md-3 col-sm-3\"><div class=\"fusion-flip-box flip-right\" tabindex=\"0\"><div class=\"flip-box-inner-wrapper\"><div class=\"flip-box-front\" style=\"--awb-background-color-front:#00172b;--awb-title-front-color:#f8b93d;--awb-text-front-color:#f8b93d;\"><div class=\"flip-box-front-inner\"><h2 class=\"flip-box-heading without-text\">Acord extrajudicial de pagaments<\/h2><\/div><\/div><div class=\"flip-box-back\" style=\"--awb-background-color-back:#00172b;--awb-title-back-color:#f8b93d;--awb-text-back-color:#f8b93d;\"><div class=\"flip-box-back-inner\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-flip-box-wrapper fusion-column col-lg-3 col-md-3 col-sm-3\"><div class=\"fusion-flip-box flip-right\" tabindex=\"0\"><div class=\"flip-box-inner-wrapper\"><div class=\"flip-box-front\" style=\"--awb-background-color-front:#00172b;--awb-title-front-color:#f8b93d;--awb-text-front-color:#f8b93d;\"><div class=\"flip-box-front-inner\"><h2 class=\"flip-box-heading without-text\">Sol\u00b7licitud de concurs<\/h2><\/div><\/div><div class=\"flip-box-back\" style=\"--awb-background-color-back:#00172b;--awb-title-back-color:#f8b93d;--awb-text-back-color:#f8b93d;\"><div class=\"flip-box-back-inner\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-flip-box-wrapper fusion-column col-lg-3 col-md-3 col-sm-3\"><div class=\"fusion-flip-box flip-right\" tabindex=\"0\"><div class=\"flip-box-inner-wrapper\"><div class=\"flip-box-front\" style=\"--awb-background-color-front:#00172b;--awb-title-front-color:#f8b93d;--awb-text-front-color:#f8b93d;\"><div class=\"flip-box-front-inner\"><h2 class=\"flip-box-heading without-text\">Exoneraci\u00f3 del passiu insatisfet<\/h2><\/div><\/div><div class=\"flip-box-back\" style=\"--awb-background-color-back:#00172b;--awb-title-back-color:#f8b93d;--awb-text-back-color:#f8b93d;\"><div class=\"flip-box-back-inner\"><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"clearfix\"><\/div>\n<ul>\n<li>Entrevista amb el client en la qual <strong>avaluarem la teva situaci\u00f3 personal i planificarem els passos a seguir<\/strong> en cadascuna de les fases del procediment.<\/li>\n<li>Acord extrajudicial de pagaments. Hem de sol\u00b7licitar-ho per a <strong>intentar negociar el pagament del deute<\/strong> segons les teves circumst\u00e0ncies personals, mitjan\u00e7ant un mediador concursal que ajudi en aquest proc\u00e9s amb els creditors.<\/li>\n<li>Sol\u00b7licitud d&#8217;un concurs consecutiu. Per al cas de no arribar a un acord amb els creditors, <strong>paralitzant l&#8217;acumulaci\u00f3 d&#8217;interessos dels deutes i els embargaments que poguessin existir actualment o en proc\u00e9s, fins que no hi hagi una resoluci\u00f3 per part del Jutge.<\/strong><\/li>\n<li>Benefici d&#8217;exoneraci\u00f3 del passiu insatisfet. \u00c9s durant la tramitaci\u00f3 del concurs, i una vegada liquidat tot l&#8217;actiu del concursat, <strong>quan el deutor podr\u00e0 sol\u00b7licitar el benefici d&#8217;exoneraci\u00f3 del passiu insatisfet<\/strong>, exonerant al deutor del pagament dels deutes que gaudeixin d&#8217;aquest benefici.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><img decoding=\"async\" class=\"alignnone wp-image-309640 size-full\" src=\"https:\/\/centregestor.es\/wp-content\/uploads\/2021\/09\/2109-CEN-Ley-segunda-oportunidad.jpeg\" alt=\"Ley de la segunda oportunidad para aut\u00f3nomos - Centre Gestor\" width=\"1640\" height=\"924\" srcset=\"https:\/\/centregestor.es\/wp-content\/uploads\/2021\/09\/2109-CEN-Ley-segunda-oportunidad-200x113.jpeg 200w, https:\/\/centregestor.es\/wp-content\/uploads\/2021\/09\/2109-CEN-Ley-segunda-oportunidad-300x169.jpeg 300w, https:\/\/centregestor.es\/wp-content\/uploads\/2021\/09\/2109-CEN-Ley-segunda-oportunidad-400x225.jpeg 400w, https:\/\/centregestor.es\/wp-content\/uploads\/2021\/09\/2109-CEN-Ley-segunda-oportunidad-600x338.jpeg 600w, https:\/\/centregestor.es\/wp-content\/uploads\/2021\/09\/2109-CEN-Ley-segunda-oportunidad-768x433.jpeg 768w, https:\/\/centregestor.es\/wp-content\/uploads\/2021\/09\/2109-CEN-Ley-segunda-oportunidad-800x451.jpeg 800w, https:\/\/centregestor.es\/wp-content\/uploads\/2021\/09\/2109-CEN-Ley-segunda-oportunidad-1024x577.jpeg 1024w, https:\/\/centregestor.es\/wp-content\/uploads\/2021\/09\/2109-CEN-Ley-segunda-oportunidad-1200x676.jpeg 1200w, https:\/\/centregestor.es\/wp-content\/uploads\/2021\/09\/2109-CEN-Ley-segunda-oportunidad-1536x865.jpeg 1536w, https:\/\/centregestor.es\/wp-content\/uploads\/2021\/09\/2109-CEN-Ley-segunda-oportunidad.jpeg 1640w\" sizes=\"(max-width: 1640px) 100vw, 1640px\" \/><\/p>\n<h2 data-pm-slice=\"1 1 []\" data-en-clipboard=\"true\">Requisits per a acollir-se a la Llei de la Segona Oportunitat<\/h2>\n<div data-pm-slice=\"1 3 []\" data-en-clipboard=\"true\">\n<p>Has de distingir d&#8217;una banda els <strong>requisits relatius a l&#8217;acord extrajudicial de pagaments<\/strong>, regulats en l&#8217;article 231 de la Llei Concursal i per un altre, els <strong>requisits del benefici d&#8217;exoneraci\u00f3<\/strong> de l&#8217;article 178 bis.<\/p>\n<h3>Requisits relatius a l&#8217;acord extrajudicial<\/h3>\n<ul>\n<li>L&#8217;estimaci\u00f3 inicial del passiu no ha de superar els 5 milions d&#8217;euros.<\/li>\n<li>Si el deutor \u00e9s empresari (incloent professionals i aut\u00f2noms), haur\u00e0 d&#8217;aportar un balan\u00e7.<\/li>\n<li>El deutor no pot haver estat condemnat per delicte contra el patrimoni, l&#8217;ordre socioecon\u00f2mic, la Hisenda P\u00fablica, la Seguretat Social, els drets dels treballadors o per falsedat documental en els 10 anys anteriors.<\/li>\n<li>No estar tramitant o haver obtingut un benefici similar en els \u00faltims 5 anys.<\/li>\n<li>El Mediador Concursal designat per l&#8217;autoritat competent, ser\u00e9 qui presenti als creditors una proposta de pagaments adaptada a la situaci\u00f3 del deutor, demostrant aix\u00ed la bona fe del mateix a satisfer els seus deutes.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3>Requisits relatius al benefici d&#8217;exoneraci\u00f3<\/h3>\n<ul>\n<li>La persona ha d&#8217;haver acabat el concurs per liquidaci\u00f3 o per insufici\u00e8ncia de la massa activa del patrimoni del deutor.<\/li>\n<li>\u00c9s indispensable haver intentat un acord extrajudicial de pagaments amb els creditors.<\/li>\n<li>Presentar la sol\u00b7licitud del benefici d&#8217;exoneraci\u00f3 com a objectiu del concurs consecutiu que s&#8217;ha de declarar en els 15 dies posteriors a la finalitzaci\u00f3 de l&#8217;acord extrajudicial de pagaments.<\/li>\n<li>El deutor haur\u00e0 d&#8217;acceptar que el benefici d&#8217;exoneraci\u00f3 es faci constar en el Registre concursal durant 5 anys.<\/li>\n<li>Aquest benefici d&#8217;exoneraci\u00f3 podr\u00e0 ser revocat durant aquest termini de temps, si millor\u00e9s substancialment la situaci\u00f3 del deutor, per exemple mitjan\u00e7ant una her\u00e8ncia o loteria, o si el deutor hagu\u00e9s ocultat ingressos, b\u00e9ns o drets.<\/li>\n<\/ul>\n<\/div>\n<p>&nbsp;<\/p>\n<h2 data-pm-slice=\"1 1 []\" data-en-clipboard=\"true\">Qu\u00e8 pots aconseguir amb la Llei de la Segona Oportunitat?<\/h2>\n<div><\/div>\n<div>Acollir-se a la Llei de la Segona Oportunitat <strong>et permetr\u00e0\u00a0encarrilar novament la teva vida i fins i tot arriscar-te a noves empreses o iniciatives, sense haver de carregar indefinidament una llosa de deutes que mai podria satisfer.<\/strong><\/div>\n<div><\/div>\n<blockquote>\n<div><em>Vols con\u00e8ixer els nostres serveis? <strong><a href=\"https:\/\/centregestor.es\/ca\/serveis\/\">Fes clic aqui<\/a><\/strong><\/em><\/div>\n<\/blockquote>\n<p>&nbsp;<\/p>\n<h2>Beneficis d&#8217;acollir-se a aquesta llei<\/h2>\n<div><\/div>\n<div>\n<p>Els <strong>principals\u00a0avantatges del mecanisme de Segona Oportunitat<\/strong> per a un aut\u00f2nom\u00a0s\u00f3n:<\/p>\n<ul>\n<li>A pesar que la llei originalment no comprenia l&#8217;anul\u00b7laci\u00f3 dels cr\u00e8dits p\u00fablics relacionats amb Hisenda i la Seguretat Social, en realitat permet la cancel\u00b7laci\u00f3 de deutes p\u00fablics a partir d&#8217;una sent\u00e8ncia del Tribunal Suprem en 2019.<\/li>\n<li>Exclusi\u00f3 de la responsabilitat de l&#8217;avalista, en molts casos en els quals s&#8217;apliqui el benefici d&#8217;exoneraci\u00f3 del passiu insatisfet.<\/li>\n<li>En sol\u00b7licitar l&#8217;obertura de l&#8217;acord extrajudicial de pagaments, es detenen els embargaments i la meritaci\u00f3 d&#8217;interessos.<\/li>\n<li>Els b\u00e9ns corresponents a l&#8217;activitat empresarial estaran especialment protegits amb l&#8217;objectiu de garantir la continu\u00eftat de l&#8217;activitat.<\/li>\n<li>Alguns efectes positius de l&#8217;acord extrajudicial de pagaments com:\n<ul>\n<li>Cancel\u00b7laci\u00f3 de fins al 99% del deute a trav\u00e9s de les quitacions.<\/li>\n<li>Facilitat de pagament del deute a causa de la possibilitat d&#8217;esperes de fins a 10 anys.<\/li>\n<li>La cessi\u00f3 de b\u00e9ns o drets permet convertir el deute, capitalitzar-la o satisfer-la.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>En poques paraules, <strong>l&#8217;aplicaci\u00f3 de la Llei de Segona Oportunitat\u00a0ajuda a aquells el negoci dels quals ha entrat en fallida i no poden atendre les seves obligacions de pagament<\/strong>,\u00a0perqu\u00e8 no hagin d&#8217;afrontar els deutes indefinidament comprometent tamb\u00e9 el seu patrimoni futur.<\/p>\n<\/div>\n<div><\/div>\n<div><\/div>\n<p>&nbsp;<\/p>\n<h2>Llei de la Segona Oportunitat per a aut\u00f2noms i particulars<\/h2>\n<div><\/div>\n<div>\n<p>En cas de ser aut\u00f2nom o particular, et pots acollir a la Llei de la Segona Oportunitat. Sempre que compleixis els 3 requisits fonamentals que requereix aquesta llei, pots optar a l&#8217;exoneraci\u00f3 dels teus deutes. Aquests 3 requisits s\u00f3n:<\/p>\n<ul>\n<li>Demostrar que no es t\u00e9 patrimoni per a fer front als deutes o que aquest ja s&#8217;ha liquidat.<\/li>\n<li>L&#8217;obligaci\u00f3 total dels deutes no pot superar els 5 milions d&#8217;euros.<\/li>\n<li>La bona fe del deutor.<\/li>\n<\/ul>\n<\/div>\n<div><\/div>\n<div><\/div>\n<div>\n<h2>Existeix alguna figura que ajudi en la negociaci\u00f3?<\/h2>\n<div><\/div>\n<div>\n<p>S\u00ed. Com es tracta d&#8217;un proc\u00e9s tutelat per un jutge,\u00a0l&#8217;emprenedor podr\u00e0 sol\u00b7licitar ajuda d&#8217;un mediador si considera que \u00e9s necess\u00e0ria. Aquest far\u00e0 amb una figura interlocutora entre l&#8217;afectat, els creditors i el jutge, sent aquest interlocutor el mediador concursal.<\/p>\n<p><strong>Tamb\u00e9\u00a0resulta molt important la figura d&#8217;un assessor legal. Per qu\u00e8? Perqu\u00e8 t&#8217;ajudem a preparar tot l&#8217;expedient i documentaci\u00f3 necess\u00e0ria.<\/strong> Per aquesta ra\u00f3, oferim ajuda al mediador concursal amb qui treballaran coordinadament.<\/p>\n<\/div>\n<\/div>\n<p>&nbsp;<\/p>\n<h2>Els deutes desapareixen per sempre?<\/h2>\n<div><\/div>\n<div>\n<p><strong>S\u00ed, a partir dels 5 anys posteriors a l&#8217;exoneraci\u00f3<\/strong>. Qualsevol creditor tindr\u00e0 la possibilitat de demanar-li al jutge la revocaci\u00f3 de l&#8217;exoneraci\u00f3 de deute. Ull, aix\u00f2 nom\u00e9s es pot fer si en els 5 anys posteriors a l&#8217;admissi\u00f3 de la llei, el creditor ent\u00e9n que el seu deutor ha obrat de mala fe o ha obtingut millor ventura.<\/p>\n<\/div>\n<p>&nbsp;<\/p>\n<h2>Segona Oportunitat i deutes per targetes *revolving i microcr\u00e8dits<\/h2>\n<div><\/div>\n<div>\n<p>Si est\u00e0s pensant a acudir a la llei de la Segona Oportunitat perqu\u00e8 <strong>tens deutes per cr\u00e8dits personals, microcr\u00e8dits o targetes de cr\u00e8dit revolving<\/strong> com la targeta BBVA al teu ritme o la targeta *Wixink, has de saber que existeix una soluci\u00f3 millor que aquesta llei.<\/p>\n<p>La majoria de les persones que acudeixen a aquesta llei ho fan havent contret deutes amb productes financers que el propi Tribunal Suprem ha considerat usura i per tant es pot reclamar. <strong>Si has contractat algun microcr\u00e8dit o pr\u00e9stecs personals per a fer front als deutes, o b\u00e9 t&#8217;has finan\u00e7at amb una targeta revolving pots reclamar.<\/strong><\/p>\n<\/div>\n<p>&nbsp;<\/p>\n<h2>Exemple Llei Segona Oportunitat<\/h2>\n<div><\/div>\n<div>\n<p>Mar\u00eda va muntar una perruqueria juntament amb el seu fill. Amb els anys, el negoci no va anar b\u00e9 i a poc a poc es van endeutar i van anar acumulant deutes que no podien pagar. Els deutes no paraven de cr\u00e9ixer, superant els 250.000 euros. No remuntaven, la seva soluci\u00f3: acollir-se a la Llei de la Segona Oportunitat.<\/p>\n<\/div>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<div>\n<div class=\"fusion-reading-box-container reading-box-container-2\" style=\"--awb-title-color:#00172b;--awb-margin-top:0px;--awb-margin-bottom:84px;\"><div class=\"reading-box\" style=\"background-color:f6f6f6;border-width:1px;border-color:#f6f6f6;border-left-width:3px;border-left-color:var(--primary_color);border-style:solid;\"><a class=\"button fusion-button button-default fusion-button-default-size button-default-size button-flat fusion-desktop-button fusion-tagline-button continue fusion-desktop-button-margin continue-right\" style=\"-webkit-box-shadow:none;-moz-box-shadow:none;box-shadow:none;border-radius:2px 2px 2px 2px\" href=\"https:\/\/centregestor.es\/ca\/contacte\/\" target=\"_self\"><span>Et fem la vida m\u00e9s f\u00e0cil<\/span><\/a><h2>Necessites m\u00e9s informaci\u00f3?<\/h2><div class=\"reading-box-additional fusion-reading-box-additional\"><\/p>\n<p><strong>El nostre equip d&#8217;experts t&#8217;ajudar\u00e0 amb el que necessitis. Respondrem tots els teus dubtes i avaluarem les alternatives en funci\u00f3 de la teva situaci\u00f3 personal i econ\u00f2mica.<\/strong><\/p>\n<p><\/div><div class=\"fusion-clearfix\"><\/div><a class=\"button fusion-button button-default fusion-button-default-size button-default-size button-flat fusion-mobile-button continue-right\" style=\"-webkit-box-shadow:none;-moz-box-shadow:none;box-shadow:none;border-radius:2px 2px 2px 2px\" href=\"https:\/\/centregestor.es\/ca\/contacte\/\" target=\"_self\"><span>Et fem la vida m\u00e9s f\u00e0cil<\/span><\/a><\/div><\/div>\n\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f9068-o1\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"9068\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/ca\/wp-json\/wp\/v2\/posts\/309645#wpcf7-f9068-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\" 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