{"id":3621,"date":"2025-01-21T10:36:56","date_gmt":"2025-01-21T09:36:56","guid":{"rendered":"https:\/\/armenterasblanco.com\/casos-aplicacio-llei-segona-oportunitat\/"},"modified":"2025-01-21T10:36:56","modified_gmt":"2025-01-21T09:36:56","slug":"casos-aplicacio-llei-segona-oportunitat","status":"publish","type":"post","link":"https:\/\/armenterasblanco.com\/ca\/casos-aplicacio-llei-segona-oportunitat\/","title":{"rendered":"En quins casos se’m pot aplicar la Llei de Segona Oportunitat?"},"content":{"rendered":"

La Llei de la Segona Oportunitat<\/strong> (Llei 25\/2015, de 28 de juliol, de mecanisme de segona oportunitat, reducci\u00f3 de la c\u00e0rrega financera i altres mesures d’ordre social) \u00e9s una normativa espanyola que permet a persones f\u00edsiques (tant aut\u00f2noms com particulars) alliberar-se de deutes que no poden pagar, sempre que es compleixin certs requisits. L’objectiu \u00e9s donar-los una nova oportunitat per comen\u00e7ar de nou sense la c\u00e0rrega de deutes insostenibles.<\/p>\n

En quins casos pots aplicar la Llei de la Segona Oportunitat?<\/h2>\n

La llei est\u00e0 pensada per a aquells que es troben en una situaci\u00f3 d’insolv\u00e8ncia sobrevinguda<\/strong>, \u00e9s a dir, que han arribat a una situaci\u00f3 econ\u00f2mica molt complicada sense haver-la planejat, i ja no poden fer front a les seves obligacions. Per poder acollir-te a la llei, s’han de complir certs requisits<\/strong> i passar per diversos procediments.<\/p>\n

Requisits generals per acollir-se a la Llei de la Segona Oportunitat:<\/h2>\n
    \n
  1. Ser persona f\u00edsica<\/strong>: La Llei est\u00e0 dirigida a particulars (persones f\u00edsiques) i aut\u00f2noms. No pots acollir-t’hi si ets una empresa, encara que els aut\u00f2noms que es trobin en una situaci\u00f3 d’insolv\u00e8ncia s\u00ed que poden fer-ho.<\/li>\n
  2. Estar en situaci\u00f3 d’insolv\u00e8ncia<\/strong>:\n
      \n
    1. \n
        \n
      1. T’has de trobar en una situaci\u00f3 d’insolv\u00e8ncia<\/strong>, \u00e9s a dir, no poder pagar els deutes amb els b\u00e9ns i recursos que tens. Cal que la teva situaci\u00f3 econ\u00f2mica sigui tal que no puguis fer front al pagament de les teves obligacions.<\/li>\n
      2. La insolv\u00e8ncia no necess\u00e0riament ha de ser total; tamb\u00e9 es pot donar el cas que tinguis una part dels teus deutes que no puguis afrontar amb els b\u00e9ns disponibles.<\/li>\n<\/ol>\n<\/li>\n<\/ol>\n<\/li>\n
      3. Deutes no superiors a 5 milions d’euros<\/strong>: La llei estableix que pots acollir-te a la segona oportunitat sempre que els teus deutes no superin els 5 milions d’euros<\/strong>. Aix\u00f2 inclou tant deutes personals com els dels aut\u00f2noms relacionats amb l’activitat econ\u00f2mica.<\/li>\n
      4. No haver estat condemnat per delictes econ\u00f2mics<\/strong>: No pots beneficiar-te de la llei si has estat condemnat per certs delictes, com frau, delictes contra la Hisenda P\u00fablica, falsificaci\u00f3, blanqueig de capitals<\/strong>, entre altres delictes financers. \u00c9s a dir, si la teva insolv\u00e8ncia prov\u00e9 d’activitats il\u00b7l\u00edcites, no podr\u00e0s acollir-te a la Llei de la Segona Oportunitat.<\/li>\n
      5. Bona fe<\/strong>: Un dels aspectes m\u00e9s importants de la llei \u00e9s el concepte de bona fe. Has de demostrar que has actuat de bona fe en el moment en qu\u00e8 vas sol\u00b7licitar el benefici de la llei, \u00e9s a dir, que no t’has endeutat de forma deliberada per evitar el pagament de les teves obligacions. Per a aix\u00f2, es valoraran aspectes com si has intentat arribar a acords amb els teus creditors abans d’acudir al mecanisme, si has intentat pagar els teus deutes de forma raonable, i si no has incorregut en conductes fraudulentes.<\/li>\n
      6. Intentar un acord extrajudicial amb els creditors<\/strong>: Abans de poder accedir a l’exoneraci\u00f3 dels deutes<\/strong>, has d’intentar una negociaci\u00f3 extrajudicial<\/strong> amb els creditors, per arribar a un acord de pagament. En aquest proc\u00e9s interv\u00e9 un mediador concursal, que \u00e9s una figura externa que ajudar\u00e0 a negociar amb els creditors i buscar un acord que permeti reestructurar els deutes o establir un pla de pagament viable. Si no s’aconsegueix un acord, podr\u00e0s continuar amb el proc\u00e9s d’exoneraci\u00f3.<\/li>\n<\/ol>\n

        Procediment per acollir-se a la Llei de la Segona Oportunitat:<\/h2>\n

        El proc\u00e9s per acollir-te a la Llei de la Segona Oportunitat es compon de dues fases principals:<\/p>\n

        Acord extrajudicial de pagaments:<\/h3>\n

        El primer pas \u00e9s intentar un acord extrajudicial<\/strong> amb els creditors. Si pots arribar a un acord, s’establir\u00e0 un pla de pagament del deute que sigui viable en funci\u00f3 dels teus recursos. L’acord pot consistir en una reestructuraci\u00f3<\/strong> dels deutes (modificant terminis o tipus d’inter\u00e8s) o fins i tot condonar una part del deute<\/strong>.<\/p>\n

          \n
        • \n
            \n
          • Si aquest acord s’aconsegueix, no cal continuar amb el procediment judicial. El deute es reestructura o redueix i s’estableix un calendari de pagaments.<\/li>\n
          • Si no s’assoleix un acord, el mediador concursal t’ajudar\u00e0 a iniciar el proc\u00e9s judicial.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n

            Procediment judicial d’exoneraci\u00f3 de deutes:<\/h3>\n

            Si l’acord extrajudicial no t\u00e9 \u00e8xit, es pot acudir al procediment judicial per a l’exoneraci\u00f3 dels deutes<\/strong> (el que comunament es coneix com a cancel\u00b7laci\u00f3 de deutes; o eliminaci\u00f3 dels deutes).<\/p>\n

              \n
            • En aquest procediment, un jutge analitzar\u00e0 si compleixes els requisits perqu\u00e8 se’t concedeixi l’exoneraci\u00f3<\/strong>. Si el jutge considera que has actuat de bona fe i que no es tracta d’un frau, podr\u00e0 exonerar tots els deutes no garantits<\/strong>, \u00e9s a dir, els que no estiguin recolzats per garanties (com la hipoteca sobre un habitatge).<\/li>\n
            • L’exoneraci\u00f3<\/strong> pot ser parcial o total, depenent dels teus recursos i dels deutes que puguis liquidar. En general, els terminis per aconseguir l’exoneraci\u00f3 s\u00f3n de 5 anys<\/strong>, per\u00f2 en alguns casos es pot concedir abans si es demostra un esfor\u00e7 de pagament.<\/li>\n<\/ul>\n

              \nTermini de bona fe:<\/h3>\n

              El jutge tamb\u00e9 podr\u00e0 concedir una exoneraci\u00f3 parcial o total del deute si considera que has fet esfor\u00e7os raonables per pagar-lo. Per a aix\u00f2, el termini m\u00ednim sol ser de 5 anys, per\u00f2 si es demostra bona fe, el jutge podria considerar una reducci\u00f3 del termini.<\/p>\n

              Exoneraci\u00f3 total o parcial:<\/strong> Si el jutge concedeix l’exoneraci\u00f3 de deutes, podr\u00e0s alliberar-te dels deutes no garantits. No es cancel\u00b7laran els deutes garantits (com les hipoteques o pr\u00e9stecs amb aval), per\u00f2 s\u00ed els que no estiguin recolzats per garanties.<\/p>\n

              Tipus de deutes que no es poden exonerar<\/strong>: Encara que la llei ofereix una segona oportunitat, existeixen certs tipus de deutes que no es poden exonerar:<\/p>\n

                \n
              • Deutes amb la Hisenda P\u00fablica i la Seguretat Social<\/strong>: En general, els deutes tributaris (impostos, multes fiscals) no poden ser exonerats, excepte en alguns casos excepcionals si es demostra que el deute \u00e9s irrecuperable.<\/li>\n
              • Deutes amb pensions aliment\u00e0ries<\/strong>: Si tens deutes derivats de pensions aliment\u00e0ries (per exemple, pensions per divorci o manutenci\u00f3 de fills), no es poden exonerar.<\/li>\n
              • Deutes garantits<\/strong>: Els deutes garantits, com els hipotecaris o aquells amb avaladors, no poden ser exonerats, encara que el procediment permet una reestructuraci\u00f3 d’aquests si s’arriba a un acord amb els creditors.<\/li>\n<\/ul>\n

                Conclusi\u00f3<\/h2>\n

                La Llei de la Segona Oportunitat<\/strong> pot aplicar-se a aquelles persones f\u00edsiques (particulars i aut\u00f2noms) que es trobin en una situaci\u00f3 d’insolv\u00e8ncia, sempre que compleixin els requisits establerts, com estar en una situaci\u00f3 econ\u00f2mica cr\u00edtica, no haver com\u00e8s frau, i no tenir deutes superiors a 5 milions d’euros. Per accedir-hi, cal intentar un acord extrajudicial amb els creditors i, si no s’assoleix, acudir al proc\u00e9s judicial per a l’exoneraci\u00f3 de deutes. \u00c9s important que, si consideres acollir-te a la Llei de la Segona Oportunitat, consultis amb un advocat especialitzat<\/strong> per assegurar-te de complir tots els requisits i procedir correctament.<\/p>\n","protected":false},"excerpt":{"rendered":"

                La Llei de la Segona Oportunitat (Llei 25\/2015, de 28 de juliol, de mecanisme de segona oportunitat, reducci\u00f3 de la c\u00e0rrega financera i altres mesures d’ordre social) \u00e9s una normativa espanyola que permet a persones f\u00edsiques (tant aut\u00f2noms com particulars) alliberar-se de deutes que no poden pagar, sempre que es compleixin certs requisits. L’objectiu \u00e9s […]<\/p>\n","protected":false},"author":0,"featured_media":3120,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","_joinchat":[],"footnotes":""},"categories":[24],"tags":[],"class_list":["post-3621","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-derecho-bancario"],"yoast_head":"\nEn quins casos se'm pot aplicar la Llei de Segona Oportunitat? - Armenteras Blanco Advocats<\/title>\n<meta name=\"description\" content=\"En quins casos em serveix la Llei de Segona Oportunitat? 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