{"id":2686,"date":"2024-01-30T16:34:53","date_gmt":"2024-01-30T16:34:53","guid":{"rendered":"https:\/\/www.deudafix.es\/blog\/?p=2686"},"modified":"2026-08-13T06:54:06","modified_gmt":"2026-08-13T06:54:06","slug":"pros-y-contras-de-la-ley-de-segunda-oportunidad","status":"publish","type":"post","link":"https:\/\/www.deudafix.es\/blog\/pros-y-contras-de-la-ley-de-segunda-oportunidad\/","title":{"rendered":"Pros y contras de la ley de segunda oportunidad"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"2686\" class=\"elementor elementor-2686\" data-elementor-settings=\"[]\">\n\t\t\t\t\t\t\t<div class=\"elementor-section-wrap\">\n\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-df4c2bb elementor-section-height-min-height elementor-section-items-bottom elementor-section-content-bottom elementor-section-boxed elementor-section-height-default\" data-id=\"df4c2bb\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-c637837\" data-id=\"c637837\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5a27d24 elementor-widget elementor-widget-heading\" data-id=\"5a27d24\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h1 id='pros-y-contras-de-la-ley-de-segunda-oportunidad'  id=\"boomdevs_1\" class=\"elementor-heading-title elementor-size-default\" >Pros y contras de la Ley de Segunda Oportunidad<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e45d4e9 elementor-widget elementor-widget-heading\" data-id=\"e45d4e9\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Informate sobre todas las ventajas y desventajas de esta poderosa Ley.<\/p>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-74f3579 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"74f3579\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wide\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-62845e0\" data-id=\"62845e0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0bbff23 elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"0bbff23\" 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 href=\"https:\/\/www.deudafix.es\/blog\/contactanos\/\" class=\"elementor-button-link elementor-button elementor-size-sm\" role=\"button\">\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\">Simulador requisitos deudas<\/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<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-7deda82\" data-id=\"7deda82\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ee769d3 elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"ee769d3\" 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 href=\"https:\/\/www.deudafix.es\/blog\/contactanos\/\" class=\"elementor-button-link elementor-button elementor-size-sm\" role=\"button\">\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\">Cancelar toda tus deudas<\/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<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-301b630 elementor-hidden-tablet elementor-hidden-phone\" data-id=\"301b630\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d1a2725 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d1a2725\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-59f2b53\" data-id=\"59f2b53\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-b85eb26\" data-id=\"b85eb26\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3060a6e elementor-widget elementor-widget-heading\" data-id=\"3060a6e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 id='merece-la-pena-la-segunda-oportunidad'  id=\"boomdevs_2\" class=\"elementor-heading-title elementor-size-default\" >\u00bfMerece la pena la Segunda Oportunidad?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-a9f9603 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a9f9603\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-0d58150\" data-id=\"0d58150\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9681ab8 elementor-widget elementor-widget-text-editor\" data-id=\"9681ab8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p>La respuesta es depende.<\/p><p><span style=\"font-weight: 400;\">La Ley de Segunda Oportunidad puede ser tu soluci\u00f3n. Sin embargo, antes de dar cualquier paso, es importante que conozcas a fondo los pros y contras de esta ley, porque <\/span><b>las consecuencias no son iguales para todo el mundo<\/b><span style=\"font-weight: 400;\">: dependen de tu situaci\u00f3n patrimonial, tus ingresos y el tipo de deudas que tengas. Repasamos todos ellos a continuaci\u00f3n, incluyendo varios matices legales que a menudo se pasan por alto.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f90227 elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"5f90227\" 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 href=\"https:\/\/www.deudafix.es\/blog\/contactanos\/\" class=\"elementor-button-link elementor-button elementor-size-xl\" role=\"button\">\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\">Preg\u00fantale a un abogado sin compromiso<\/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<div class=\"elementor-element elementor-element-ba2153f elementor-widget elementor-widget-heading\" data-id=\"ba2153f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 id='ventajas-de-la-ley-segunda-oportunidad'  id=\"boomdevs_3\" class=\"elementor-heading-title elementor-size-default\" >Ventajas de la Ley Segunda Oportunidad?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-ce9e8dd elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ce9e8dd\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-3daa6e6\" data-id=\"3daa6e6\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-61b9e91 elementor-widget elementor-widget-heading\" data-id=\"61b9e91\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 id='cancela-todas-tus-deudas-con-bancos-y-financieras'  id=\"boomdevs_4\" class=\"elementor-heading-title elementor-size-default\" >Cancela todas tus deudas con bancos y financieras<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7471d0e elementor-widget elementor-widget-text-editor\" data-id=\"7471d0e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Esta ley se encarga de cancelar la totalidad de tus deudas con entidades privadas, como bancos o financieras, mediante la exoneraci\u00f3n del pasivo insatisfecho (EPI).<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-455d190 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"455d190\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-da5c822\" data-id=\"da5c822\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8833823 elementor-widget elementor-widget-heading\" data-id=\"8833823\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 id='frena-las-llamadas-de-acreedores'  id=\"boomdevs_5\" class=\"elementor-heading-title elementor-size-default\" >Frena las llamadas de acreedores<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1b89c2f elementor-widget elementor-widget-text-editor\" data-id=\"1b89c2f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">La ley se encarga de paralizar todas las llamadas y comunicaciones de acoso que realizan bancos y financieras una vez iniciado el procedimiento.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-2dbfa07 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2dbfa07\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-f10deb4\" data-id=\"f10deb4\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6089283 elementor-widget elementor-widget-heading\" data-id=\"6089283\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 id=\"boomdevs_6\" class=\"elementor-heading-title elementor-size-default\">Suspensi\u00f3n de embargos\n<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c54557c elementor-widget elementor-widget-text-editor\" data-id=\"c54557c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Al acogerte a la Segunda Oportunidad* se detendr\u00e1n todos y cada uno de tus embargos, incluidos los de cuenta bancaria. <\/span><a href=\"https:\/\/www.deudafix.es\/blog\/me-pueden-embargar-dinero-cuenta-bancaria\/\"><span style=\"font-weight: 400;\">Consulta qu\u00e9 se puede y qu\u00e9 no se puede embargar de tu cuenta<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-d7462bc elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d7462bc\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-e8c5eb5\" data-id=\"e8c5eb5\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7cdb181 elementor-widget elementor-widget-heading\" data-id=\"7cdb181\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 id=\"boomdevs_7\" class=\"elementor-heading-title elementor-size-default\">Salida de registros de morosidad como ASNEF, CIRBE, BADEXCUG\n<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fb59d45 elementor-widget elementor-widget-text-editor\" data-id=\"fb59d45\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Con el perd\u00f3n de tus deudas ya podr\u00e1s tramitar la salida de todo fichero de morosidad en el que est\u00e9s incluido. Aqu\u00ed puedes ver <\/span><a href=\"https:\/\/www.deudafix.es\/blog\/como-saber-si-estoy-en-la-lista-de-morosos-o-asnef\/\"><span style=\"font-weight: 400;\">c\u00f3mo saber si est\u00e1s en ASNEF o en una lista de morosos<\/span><\/a><span style=\"font-weight: 400;\"> y <\/span><a href=\"https:\/\/www.deudafix.es\/blog\/salir-de-asnef\/\"><span style=\"font-weight: 400;\">c\u00f3mo salir de los ficheros de morosidad<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-0f39384 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0f39384\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-263ac21\" data-id=\"263ac21\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8bced2f elementor-widget elementor-widget-heading\" data-id=\"8bced2f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 id='posibilidad-de-salvar-vivienda-y-coche'  id=\"boomdevs_8\" class=\"elementor-heading-title elementor-size-default\" >Posibilidad de salvar vivienda y coche<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3575ce0 elementor-widget elementor-widget-text-editor\" data-id=\"3575ce0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Podr\u00e1s proteger tu vivienda habitual y tu veh\u00edculo de trabajo a trav\u00e9s de un plan de pagos adaptado a tus posibilidades. Esta es una alternativa legal pensada para reorganizar tu econom\u00eda sin renunciar al techo de tu familia ni a la herramienta con la que te ganas la vida.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-0f60b83 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0f60b83\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-5264c72\" data-id=\"5264c72\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-23f26aa elementor-widget elementor-widget-heading\" data-id=\"23f26aa\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 id='se-frenan-los-intereses'  id=\"boomdevs_9\" class=\"elementor-heading-title elementor-size-default\" >Se frenan los intereses<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-025dc8e elementor-widget elementor-widget-text-editor\" data-id=\"025dc8e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Tras acogerte a la ley, los intereses por demora e impago se paralizan por completo, lo que significa que tu deuda dejar\u00e1 de crecer desde el primer momento*<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-9f28289 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9f28289\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-df2697f\" data-id=\"df2697f\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c4b9858 elementor-widget elementor-widget-heading\" data-id=\"c4b9858\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 id='puedes-cancelar-deudas-sin-l\u00edmite-de-importe'  id=\"boomdevs_10\" class=\"elementor-heading-title elementor-size-default\" >Puedes cancelar deudas sin l\u00edmite de importe<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c0241fb elementor-widget elementor-widget-text-editor\" data-id=\"c0241fb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">No importa cu\u00e1nto debas: la Ley de Segunda Oportunidad puede cancelar deudas con bancos y financieras sin l\u00edmite, ya debas 10.000\u20ac, 30.000\u20ac o 200.000\u20ac.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-3ed313c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3ed313c\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-003333b\" data-id=\"003333b\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e6cf24a elementor-widget elementor-widget-heading\" data-id=\"e6cf24a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 id=\"boomdevs_11\" class=\"elementor-heading-title elementor-size-default\">Si has actuado bien, no puede recurrirse\n<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6993dd1 elementor-widget elementor-widget-text-editor\" data-id=\"6993dd1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Si te han concedido la exoneraci\u00f3n o cancelaci\u00f3n de tus deudas y has actuado con buena fe durante todo el proceso, la cancelaci\u00f3n ser\u00e1 para siempre (con las excepciones que ver\u00e1s en el apartado de desventajas).<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-9f2ff91 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9f2ff91\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-8b59a34\" data-id=\"8b59a34\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7ec0e05 elementor-widget elementor-widget-heading\" data-id=\"7ec0e05\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 id='no-es-necesario-pasar-por-notario'  id=\"boomdevs_12\" class=\"elementor-heading-title elementor-size-default\" >No es necesario pasar por notario<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-27760ba elementor-widget elementor-widget-text-editor\" data-id=\"27760ba\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Desde la actualizaci\u00f3n de la ley de 2022 puedes ahorrarte el coste del notario, ya que no es necesario para tramitar el procedimiento.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-3d6c545 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3d6c545\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-ea94e72\" data-id=\"ea94e72\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-210e37b elementor-widget elementor-widget-heading\" data-id=\"210e37b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 id='no-es-necesario-llegar-a-un-acuerdo-con-tus-acreedores'  id=\"boomdevs_13\" class=\"elementor-heading-title elementor-size-default\" >No es necesario llegar a un acuerdo con tus acreedores<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fd67ee6 elementor-widget elementor-widget-text-editor\" data-id=\"fd67ee6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Tampoco es necesario que pactes con las entidades a las que les debes dinero para poder acogerte: la v\u00eda del acuerdo extrajudicial de pagos previo dej\u00f3 de ser un requisito obligatorio.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-7ead24a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7ead24a\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-4e0d13f\" data-id=\"4e0d13f\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ea3c057 elementor-widget elementor-widget-heading\" data-id=\"ea3c057\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 id='flexibilidad-si-tienes-algo-de-capacidad-de-pago'  id=\"boomdevs_14\" class=\"elementor-heading-title elementor-size-default\" >Flexibilidad si tienes algo de capacidad de pago<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5a1ed1f elementor-widget elementor-widget-text-editor\" data-id=\"5a1ed1f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Si dispones de ingresos, aunque sean reducidos, puedes optar a un plan de pagos de 3 a 5 a\u00f1os en lugar de la liquidaci\u00f3n de bienes, conservando as\u00ed tu vivienda o veh\u00edculo*. Consulta los <\/span><a href=\"https:\/\/www.deudafix.es\/blog\/requisitos-para-declararte-insolvente-todo-lo-que-tienes-que-saber\/\"><span style=\"font-weight: 400;\">requisitos para declararte insolvente<\/span><\/a><span style=\"font-weight: 400;\"> y valorar qu\u00e9 v\u00eda encaja mejor con tu caso.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-7d3394d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7d3394d\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-5f03a42\" data-id=\"5f03a42\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ad8afd0 elementor-widget elementor-widget-heading\" data-id=\"ad8afd0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 id='procedimiento-m\u00e1s-r\u00e1pido-si-no-tienes-bienes-ni-ingresos-embargables'  id=\"boomdevs_15\" class=\"elementor-heading-title elementor-size-default\" >Procedimiento m\u00e1s r\u00e1pido si no tienes bienes ni ingresos embargables<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-60c8dd9 elementor-widget elementor-widget-text-editor\" data-id=\"60c8dd9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Si no tienes patrimonio, el procedimiento se tramita como concurso &#8220;sin masa&#8221; y se pasa directamente a solicitar la exoneraci\u00f3n, sin necesidad de un plan de pagos previo. Te lo explicamos con detalle en <\/span><a href=\"https:\/\/www.deudafix.es\/blog\/no-puedo-pagar-deudas-y-no-tengo-bienes\/\"><span style=\"font-weight: 400;\">no puedo pagar mis deudas y no tengo bienes: qu\u00e9 puedo hacer<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-ff0c043 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ff0c043\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-79c8c34\" data-id=\"79c8c34\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3e4aeb5 elementor-widget elementor-widget-heading\" data-id=\"3e4aeb5\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 id='acompa\u00f1amiento-de-un-profesional-durante-todo-el-proceso'  id=\"boomdevs_16\" class=\"elementor-heading-title elementor-size-default\" >Acompa\u00f1amiento de un profesional durante todo el proceso<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a06de4a elementor-widget elementor-widget-text-editor\" data-id=\"a06de4a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">El procedimiento cuenta con la supervisi\u00f3n de un mediador o administrador concursal, que vela por que el proceso se desarrolle correctamente. Puedes ver <\/span><a href=\"https:\/\/www.deudafix.es\/blog\/que-es-un-mediador-concursal-cuales-son-sus-funciones\/\"><span style=\"font-weight: 400;\">qu\u00e9 es un mediador concursal y cu\u00e1les son sus funciones<\/span><\/a><span style=\"font-weight: 400;\"> y <\/span><a href=\"https:\/\/www.deudafix.es\/blog\/el-papel-del-mediador-concursal-en-la-ley-de-segunda-oportunidad\/\"><span style=\"font-weight: 400;\">su papel concreto en la Ley de Segunda Oportunidad<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-b2b6386 elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"b2b6386\" 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 href=\"https:\/\/www.deudafix.es\/blog\/contactanos\/\" class=\"elementor-button-link elementor-button elementor-size-xl\" role=\"button\">\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\">Quiero una Segunda Oportunidad<\/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<div class=\"elementor-element elementor-element-1efd963 elementor-widget elementor-widget-heading\" data-id=\"1efd963\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 id='desventajas-de-la-ley-de-segunda-oportunidad'  id=\"boomdevs_17\" class=\"elementor-heading-title elementor-size-default\" >Desventajas de la Ley de Segunda Oportunidad<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-4281ce4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4281ce4\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-54ac0eb\" data-id=\"54ac0eb\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3904100 elementor-widget elementor-widget-heading\" data-id=\"3904100\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 id='hay-ciertos-casos-en-los-que-se-puede-revocar-la-cancelaci\u00f3n-de-las-deudas'  id=\"boomdevs_18\" class=\"elementor-heading-title elementor-size-default\" >Hay ciertos casos en los que se puede revocar la cancelaci\u00f3n de las deudas<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f80ec72 elementor-widget elementor-widget-text-editor\" data-id=\"f80ec72\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Los acreedores pueden solicitar la revocaci\u00f3n de la exoneraci\u00f3n, dentro de un plazo m\u00e1ximo de 3 a\u00f1os desde su concesi\u00f3n, principalmente en dos casos:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Que hayas ocultado la existencia de bienes, derechos o ingresos<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Si en los tres a\u00f1os siguientes tu situaci\u00f3n econ\u00f3mica mejora sustancialmente <\/span><span style=\"font-weight: 400;\">y de forma extraordinaria<\/span><span style=\"font-weight: 400;\"> (por ejemplo, una herencia, un premio o una mejora relevante de ingresos)<\/span><\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-3de0487 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3de0487\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-37ef3fb\" data-id=\"37ef3fb\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-247694d elementor-widget elementor-widget-heading\" data-id=\"247694d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 id='no-todas-las-deudas-se-pueden-cancelar'  id=\"boomdevs_19\" class=\"elementor-heading-title elementor-size-default\" >No todas las deudas se pueden cancelar<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-91e3190 elementor-widget elementor-widget-text-editor\" data-id=\"91e3190\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Si bien la gran mayor\u00eda de deudas son cancelables, hay algunas que no lo son debido a su naturaleza:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pensiones de alimentos<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Deudas por responsabilidad civil extracontractual o derivada de delito<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multas y sanciones administrativas<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Deudas salariales de los \u00faltimos 60 d\u00edas de trabajo no cubiertas por el FOGASA<\/span><\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-6964554 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6964554\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-3935c90\" data-id=\"3935c90\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-55840b7 elementor-widget elementor-widget-heading\" data-id=\"55840b7\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 id='puede-que-se-liquiden-tus-bienes'  id=\"boomdevs_20\" class=\"elementor-heading-title elementor-size-default\" >Puede que se liquiden tus bienes<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-180d76e elementor-widget elementor-widget-text-editor\" data-id=\"180d76e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">En los casos en los que los bienes no sean necesarios para la supervivencia <\/span><span style=\"font-weight: 400;\">y tengan un valor relevante<\/span><span style=\"font-weight: 400;\"> (a diferencia de tu vivienda habitual o tu veh\u00edculo de trabajo), podr\u00e1n liquidarse para el pago de deudas. As\u00ed funciona <\/span><a href=\"https:\/\/www.deudafix.es\/blog\/como-funciona-la-liquidacion-de-deudas\/\"><span style=\"font-weight: 400;\">el proceso de liquidaci\u00f3n de deudas<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-94b9013 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"94b9013\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-4c8f2c6\" data-id=\"4c8f2c6\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3828bfb elementor-widget elementor-widget-heading\" data-id=\"3828bfb\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 id='no-acabar-en-la-insolvencia-de-manera-deliberada'  id=\"boomdevs_21\" class=\"elementor-heading-title elementor-size-default\" >No acabar en la insolvencia de manera deliberada<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4b15887 elementor-widget elementor-widget-text-editor\" data-id=\"4b15887\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Al analizar tu caso, la progresi\u00f3n de tu insolvencia no debe haber sido causada por tu propio comportamiento negligente o fraudulento, y debes haber sido consciente de tu situaci\u00f3n durante todo el proceso.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-4c873d7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4c873d7\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-270a7b3\" data-id=\"270a7b3\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3f32c4b elementor-widget elementor-widget-heading\" data-id=\"3f32c4b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 id='necesitas-tener-al-menos-dos-acreedores'  id=\"boomdevs_22\" class=\"elementor-heading-title elementor-size-default\" >Necesitas tener al menos dos acreedores<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e2465ff elementor-widget elementor-widget-text-editor\" data-id=\"e2465ff\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Es un requisito indispensable: necesitas tener deudas con m\u00e1s de un acreedor distinto para poder acogerte a la Ley de Segunda Oportunidad.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-8cba954 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8cba954\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-f6d1941\" data-id=\"f6d1941\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6bf9685 elementor-widget elementor-widget-heading\" data-id=\"6bf9685\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 id='no-poder-hacer-frente-a-los-honorarios'  id=\"boomdevs_23\" class=\"elementor-heading-title elementor-size-default\" >No poder hacer frente a los honorarios<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cb0aa4a elementor-widget elementor-widget-text-editor\" data-id=\"cb0aa4a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Los honorarios de los abogados suelen rondar los 4.000-5.000\u20ac, que normalmente se fraccionan entre 16 y 36 meses. Por eso, en deudas muy peque\u00f1as, puede no salir a cuenta iniciar el procedimiento.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-fe7b4dd elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fe7b4dd\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-e20dc19\" data-id=\"e20dc19\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fdbe12e elementor-widget elementor-widget-heading\" data-id=\"fdbe12e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 id='suspensi\u00f3n-de-facultades-para-administraci\u00f3n-patrimonial'  id=\"boomdevs_24\" class=\"elementor-heading-title elementor-size-default\" >Suspensi\u00f3n de facultades para administraci\u00f3n patrimonial<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-47ec46b elementor-widget elementor-widget-text-editor\" data-id=\"47ec46b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Si dispones de bienes significativos<\/span><span style=\"font-weight: 400;\">, es posible que durante el proceso no puedas administrar tu propio patrimonio con total libertad, ya que algunas decisiones relevantes requerir\u00e1n supervisi\u00f3n o autorizaci\u00f3n*.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-b167f52 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b167f52\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-4b3490d\" data-id=\"4b3490d\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7a3560f elementor-widget elementor-widget-heading\" data-id=\"7a3560f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 id='inclusi\u00f3n-en-el-registro-p\u00fablico-concursal'  id=\"boomdevs_25\" class=\"elementor-heading-title elementor-size-default\" >Inclusi\u00f3n en el registro p\u00fablico concursal<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2b88963 elementor-widget elementor-widget-text-editor\" data-id=\"2b88963\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Si sigues la v\u00eda del plan de pagos, tus datos constar\u00e1n en el Registro P\u00fablico Concursal durante el tiempo que dure dicho plan (hasta 5 a\u00f1os). Esta informaci\u00f3n desaparecer\u00e1 al finalizar el plazo. Si se concede la exoneraci\u00f3n directa (sin plan de pagos), la constancia registral se cancela antes.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-e9aced4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e9aced4\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-87403a9\" data-id=\"87403a9\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0bae30a elementor-widget elementor-widget-heading\" data-id=\"0bae30a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 id='l\u00edmites-exactos-en-la-exoneraci\u00f3n-de-deuda-p\u00fablica'  id=\"boomdevs_26\" class=\"elementor-heading-title elementor-size-default\" >L\u00edmites exactos en la exoneraci\u00f3n de deuda p\u00fablica<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-326bfd4 elementor-widget elementor-widget-text-editor\" data-id=\"326bfd4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">La ley permite cancelar deudas con Hacienda y la Seguridad Social, pero con un l\u00edmite preciso por cada organismo:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Los primeros 5.000\u20ac de deuda con cada organismo se cancelan por completo<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Del resto, se exonera el 50%, hasta un m\u00e1ximo global de 10.000\u20ac por organismo<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Las multas y sanciones de la administraci\u00f3n p\u00fablica no son exonerables<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Es decir, no se trata de un l\u00edmite plano de 10.000\u20ac, sino de un c\u00e1lculo por tramos que conviene tener claro antes de valorar cu\u00e1nta deuda p\u00fablica podr\u00e1s cancelar realmente.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-bc4319c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bc4319c\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-caf918c\" data-id=\"caf918c\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-08204e7 elementor-widget elementor-widget-heading\" data-id=\"08204e7\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 id='la-exoneraci\u00f3n-no-libera-a-avalistas-ni-fiadores'  id=\"boomdevs_27\" class=\"elementor-heading-title elementor-size-default\" >La exoneraci\u00f3n no libera a avalistas ni fiadores<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-db08d7a elementor-widget elementor-widget-text-editor\" data-id=\"db08d7a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Un matiz importante que suele pasarse por alto: si consigues la exoneraci\u00f3n de tu deuda, eso no libera autom\u00e1ticamente a las personas que la avalaron o afianzaron. Los acreedores pueden seguir reclamando el pago a tus avalistas. S\u00ed existe una salida legal para ellos, que explicamos en <\/span><a href=\"https:\/\/www.deudafix.es\/blog\/es-posible-con-la-ley-de-segunda-oportunidad-la-cancelacion-de-las-deudas-para-los-avalistas-o-fiadores\/\"><span style=\"font-weight: 400;\">es posible la cancelaci\u00f3n de deudas para avalistas o fiadores con la Ley de Segunda Oportunidad<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-6e8d769 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6e8d769\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-386a5a8\" data-id=\"386a5a8\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1f140a7 elementor-widget elementor-widget-heading\" data-id=\"1f140a7\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 id='no-aplica-a-sociedades-mercantiles'  id=\"boomdevs_28\" class=\"elementor-heading-title elementor-size-default\" >No aplica a sociedades mercantiles<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a1122fb elementor-widget elementor-widget-text-editor\" data-id=\"a1122fb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">La Ley de Segunda Oportunidad est\u00e1 dirigida exclusivamente a personas f\u00edsicas: particulares y aut\u00f3nomos. Las sociedades mercantiles (SL, SA) no pueden acogerse a la exoneraci\u00f3n del pasivo insatisfecho; su v\u00eda es otra distinta dentro del derecho concursal.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-e15b18d elementor-widget elementor-widget-heading\" data-id=\"e15b18d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 id='preguntas-frecuentes'  id=\"boomdevs_29\" class=\"elementor-heading-title elementor-size-default\" >Preguntas frecuentes<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0a69878 elementor-widget elementor-widget-text-editor\" data-id=\"0a69878\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<h3 id='puedo-acogerme-a-la-ley-de-segunda-oportunidad-si-no-tengo-bienes-s\u00ed-de-hecho-cuando-no-hay-patrimonio-el-procedimiento-suele-ser-m\u00e1s-r\u00e1pido-al-tramitarse-como-concurso-sin-masa-te-lo-explicamos-en-detalle-en-no-puedo-pagar-mis-deudas-y-no-tengo-bienes-cu\u00e1nto-tiempo-tarda-el-procedimiento-una-vez-presentada-la-demanda-depender\u00e1-de-la-carga-del-juzgado-y-de-si-hay-bienes-que-liquidar-o-no-pero-orientativamente-puede-tardar-entre-varios-meses-y-1-2-a\u00f1os-si-sigues-la-v\u00eda-del-plan-de-pagos-pierdo-mi-vivienda-habitual-si-me-acojo-no-necesariamente-si-optas-por-la-v\u00eda-del-plan-de-pagos-puedes-conservarla-mientras-cumples-con-las-cuotas-acordadas-durante-3-a-5-a\u00f1os-puede-mi-avalista-librarse-tambi\u00e9n-de-la-deuda-no-de-forma-autom\u00e1tica-la-exoneraci\u00f3n-solo-aplica-a-quien-la-solicita-los-avalistas-y-fiadores-pueden-no-obstante-solicitar-su-propia-exoneraci\u00f3n-si-cumplen-los-requisitos-m\u00e1s-informaci\u00f3n-aqu\u00ed-puedo-volver-a-pedir-un-pr\u00e9stamo-tras-la-exoneraci\u00f3n-s\u00ed-una-vez-finalizado-el-proceso-y-cancelada-tu-deuda-y-con-la-actualizaci\u00f3n-de-tu-situaci\u00f3n-en-los-ficheros-de-morosidad-podr\u00e1s-volver-a-acceder-a-financiaci\u00f3n-con-normalidad-qu\u00e9-pasa-si-oculto-bienes-durante-el-proceso-es-una-de-las-causas-principales-de-revocaci\u00f3n-de-la-exoneraci\u00f3n-actuar-con-transparencia-y-buena-fe-es-el-requisito-m\u00e1s-importante-de-todo-el-procedimiento-necesito-llegar-a-un-acuerdo-previo-con-mis-acreedores-para-acogerme'  id=\"boomdevs_30\" ><b>\u00bfPuedo acogerme a la Ley de Segunda Oportunidad si no tengo bienes?<\/b><\/h3><p><span style=\"font-weight: 400;\">S\u00ed. De hecho, cuando no hay patrimonio, el procedimiento suele ser m\u00e1s r\u00e1pido, al tramitarse como concurso &#8220;sin masa&#8221;. Te lo explicamos en detalle en <\/span><a href=\"https:\/\/www.deudafix.es\/blog\/no-puedo-pagar-deudas-y-no-tengo-bienes\/\"><span style=\"font-weight: 400;\">no puedo pagar mis deudas y no tengo bienes<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p><h3 id=\"boomdevs_31\"><b>\u00bfCu\u00e1nto tiempo tarda el procedimiento?<\/b><\/h3><p><span style=\"font-weight: 400;\">Una vez presentada la demanda depender\u00e1, <\/span><span style=\"font-weight: 400;\">de la carga del juzgado<\/span><span style=\"font-weight: 400;\"> y de si hay bienes que liquidar o no, pero orientativamente puede tardar entre varios meses y 1-2 a\u00f1os si sigues la v\u00eda del plan de pagos*.<\/span><\/p><h3 id=\"boomdevs_32\"><b>\u00bfPierdo mi vivienda habitual si me acojo?<\/b><\/h3><p><span style=\"font-weight: 400;\">No necesariamente. Si optas por la v\u00eda del plan de pagos, puedes conservarla mientras cumples con las cuotas acordadas durante 3 a 5 a\u00f1os*.<\/span><\/p><h3 id=\"boomdevs_33\"><b>\u00bfPuede mi avalista librarse tambi\u00e9n de la deuda?<\/b><\/h3><p><span style=\"font-weight: 400;\">No de forma autom\u00e1tica: la exoneraci\u00f3n solo aplica a quien la solicita. Los avalistas y fiadores pueden, no obstante, solicitar su propia exoneraci\u00f3n si cumplen los requisitos. M\u00e1s informaci\u00f3n <\/span><a href=\"https:\/\/www.deudafix.es\/blog\/es-posible-con-la-ley-de-segunda-oportunidad-la-cancelacion-de-las-deudas-para-los-avalistas-o-fiadores\/\"><span style=\"font-weight: 400;\">aqu\u00ed<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p><h3 id=\"boomdevs_34\"><b>\u00bfPuedo volver a pedir un pr\u00e9stamo tras la exoneraci\u00f3n?<\/b><\/h3><p><span style=\"font-weight: 400;\">S\u00ed, una vez finalizado el proceso y cancelada tu deuda, y con la actualizaci\u00f3n de tu situaci\u00f3n en los ficheros de morosidad, podr\u00e1s volver a acceder a financiaci\u00f3n con normalidad.<\/span><\/p><h3 id=\"boomdevs_35\"><b>\u00bfQu\u00e9 pasa si oculto bienes durante el proceso?<\/b><\/h3><p><span style=\"font-weight: 400;\">Es una de las causas principales de revocaci\u00f3n de la exoneraci\u00f3n. Actuar con transparencia y buena fe es el requisito m\u00e1s importante de todo el procedimiento.<\/span><\/p><h3 id=\"boomdevs_36\"><b>\u00bfNecesito llegar a un acuerdo previo con mis acreedores para acogerme?<\/b><\/h3><p><span style=\"font-weight: 400;\">No, desde la reforma de 2022 ya no es un requisito obligatorio negociar previamente con los acreedores para poder solicitar la exoneraci\u00f3n.<\/span><\/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-9bc6597 elementor-widget elementor-widget-heading\" data-id=\"9bc6597\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 id='qu\u00e9-consecuencias-tiene-la-ley-de-segunda-oportunidad'  id=\"boomdevs_37\" class=\"elementor-heading-title elementor-size-default\" >\u00bfQu\u00e9 consecuencias tiene la Ley de Segunda Oportunidad?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3ea41a7 elementor-widget elementor-widget-text-editor\" data-id=\"3ea41a7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Si est\u00e1s buscando una Segunda Oportunidad, no est\u00e1s solo. Muchas personas en situaciones similares est\u00e1n considerando esta ley como una opci\u00f3n para superar sus deudas y empezar de nuevo.<\/span><\/p><p><b>Pero, antes de embarcarte en este camino, es muy importante que valores los pros y contras<\/b><span style=\"font-weight: 400;\"> y tomes una decisi\u00f3n informada. Cada caso es \u00fanico y es necesario evaluar detenidamente tus circunstancias personales antes de tomar una decisi\u00f3n.<\/span><\/p><p><span style=\"font-weight: 400;\">Por lo general, la Ley de Segunda Oportunidad es la mejor opci\u00f3n para aquellas personas que se encuentran en una situaci\u00f3n desesperada debido a sus deudas:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Permite cancelar tus deudas<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Empezar de cero<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Frenar llamadas de los acreedores<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Conservar tus bienes, en muchos casos<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Sin embargo, en el mundo legal cada caso debe tratarse como \u00fanico: lo que es beneficioso para uno puede no serlo para otro. Contar con la ayuda de un abogado especializado es fundamental para garantizar que tomes la mejor decisi\u00f3n para ti y tu futuro financiero.<\/span><\/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-bd4ba7e elementor-widget elementor-widget-heading\" data-id=\"bd4ba7e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 id='lib\u00e9rate-de-todas-tus-deudas'  id=\"boomdevs_38\" class=\"elementor-heading-title elementor-size-default\" >Lib\u00e9rate de todas tus deudas<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8ef4af3 elementor-widget elementor-widget-text-editor\" data-id=\"8ef4af3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">En <\/span><b>Deudafix<\/b><span style=\"font-weight: 400;\"> tenemos muy claros los factores clave que determinan si la Segunda Oportunidad es para ti. No tienes por qu\u00e9 enfrentar esta situaci\u00f3n econ\u00f3mica tan agobiante solo: hay salida, y puedes acceder f\u00e1cilmente a la Ley de Segunda Oportunidad.<\/span><\/p><p><b>Cu\u00e9ntanos tu caso y te decimos, sin coste, si puedes acogerte.<\/b><\/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-b4ee3e6 elementor-widget elementor-widget-text-editor\" data-id=\"b4ee3e6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p><i><span style=\"font-weight: 400;\">*Sujeto a verificaci\u00f3n de requisitos legales, an\u00e1lisis de carga hipotecaria, y aprobaci\u00f3n judicial.<\/span><\/i><\/p><p><i><span style=\"font-weight: 400;\">*Tras la admisi\u00f3n de la demanda se frenan legalmente las ejecuciones y el devengo de deuda.<\/span><\/i><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-29e3b39\" data-id=\"29e3b39\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fe87d28 elementor-widget elementor-widget-html\" data-id=\"fe87d28\" data-element_type=\"widget\" data-settings=\"{&quot;sticky&quot;:&quot;top&quot;,&quot;sticky_offset&quot;:101,&quot;sticky_on&quot;:[&quot;desktop&quot;],&quot;sticky_effects_offset&quot;:0}\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<iframe loading=\"lazy\" src=\"https:\/\/www.deudafix.es\/includes\/iframe\/shortform_nocaptcha.php?aff_id=SItm7T0xlm&bgcolor=white&redirect=https:\/\/www.deudafix.es\/front\/dist\/success2.php\" border=\"0\" frameborder=\"0\" style=\"border-style:none; overflow:hidden; border-radius:10px;\" width=\"100%\"; height=\"500px\" 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data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 id='lib\u00e9rate-de-todas-tus-deudas-1'  id=\"boomdevs_39\" class=\"elementor-heading-title elementor-size-default\" >Lib\u00e9rate de todas tus deudas<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-63dd30b elementor-mobile-align-justify elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"63dd30b\" 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 href=\"https:\/\/www.deudafix.es\/blog\/contactanos\/\" class=\"elementor-button-link elementor-button elementor-size-sm\" role=\"button\">\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\">Cancelar toda tus deudas<\/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<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Pros y contras de la Ley de Segunda Oportunidad Informate sobre todas las ventajas y desventajas de esta poderosa Ley. Simulador requisitos deudas Cancelar toda tus deudas \u00bfMerece la pena la Segunda Oportunidad? La respuesta es depende. La Ley de Segunda Oportunidad puede ser tu soluci\u00f3n. Sin embargo, antes de dar cualquier paso, es importante [&hellip;]<\/p>\n","protected":false},"author":18,"featured_media":2687,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[],"class_list":["post-2686","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ley-segunda-oportunidad","entry","has-media"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.8.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Pros y contras de la Ley de Segunda Oportunidad \u25b7 \u00a1Inf\u00f3rmate!<\/title>\n<meta name=\"description\" content=\"Descubre todo lo que necesitas saber sobre la Ley de Segunda Oportunidad. 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