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The Second Chance Law continues to lead to unprecedented successes. This time it is about José Vicente, a young man from Tarragona. His total debt amounted to €150,000, and he has achieved his complete exoneration after contacting Start from Zero: an office specialized in this kind of case in which they have a long list of favorable sentences.

José Vicente contacted Start from Zero because he needed help with a series of debts that he had been dragging for some time... Getting to work immediately. One of his specialists in the procedure of the Second Chance Law, the lawyer Laura Navo, was in charge of her case. To do this, she followed the steps established by law point by point. First, she went to a notary's office to present the insolvency file. Subsequently, a bankruptcy mediator was appointed for the case and an attempt was made to reach an agreement with the creditors to avoid trial; All this with the aim of achieving a payment plan that would allow José Vicente to face his obligation in a plausible way, taking into account his income and economic obligations. In addition, his lawyer requested a reduction of the debt. The creditors rejected the agreement, and after the failed attempt at mediation, the procedure continued with a claim for consecutive insolvency before the Court of First Instance of Tarragona. The judge issued an insolvency order and asked José Vicente's lawyer to submit a brief requesting the exemption of the unsatisfied liability. Changes in the Second Chance Law José Vicente's case was processed in its entirety following the second-chance procedure prior to the last reform, which entered into force on September 26, 2022. Since that date, the application of the law has changed substantially; In general, these procedures will now have a lower economic cost for the debtor party. And there are several notable novelties: • Now the processes are much more agile, since it is no longer necessary to try to find an agreement with the creditors; It is hoped that this will relieve a large part of the burden of the courts. • On the other hand, the figure of the bankruptcy mediator, in charge of seeking an agreement that would satisfy all the interested parties, but who had a high remuneration, is eliminated. It is necessary to go to a notary to prove the debtor's insolvency. • In addition, there are now no limits on the amount of debt that can be applied in the payment plan, and in the event that the person who attends the contest has a home in property, you will no longer lose it to pay off part of the debt. All these measures are aimed at increasing the percentage of success in this type of procedure. So, this is the time to get down to business. In Start from Zero they are specialized in cases related to the Second Chance Law. Contact them so they can advise you.

ContactContact name: Start from scratchContact description: Start from scratchContact telephone number: 722 437 409