{"id":15234,"date":"2026-09-18T13:25:16","date_gmt":"2026-09-18T11:25:16","guid":{"rendered":"https:\/\/www.rm-assessors.cat\/?p=15234"},"modified":"2026-09-23T09:34:56","modified_gmt":"2026-09-23T07:34:56","slug":"llei-de-la-segona-oportunitat-quan-els-deutes-no-han-de-marcar-el-teu-futur","status":"publish","type":"post","link":"https:\/\/www.rm-assessors.cat\/en\/llei-de-la-segona-oportunitat-quan-els-deutes-no-han-de-marcar-el-teu-futur\/","title":{"rendered":"138.000 euros de deute exonerats i un pla de pagament a 5 anys: un nou comen\u00e7ament gr\u00e0cies a la Segona Oportunitat"},"content":{"rendered":"
La Llei de la Segona Oportunitat pot marcar un abans i un despr\u00e9s per a persones que es troben en una situaci\u00f3 de sobreendeutament i no poden fer front als seus deutes.<\/h5>\n

A RM Assessors ho hem pogut comprovar recentment amb un cas que ens ha fet especial il\u00b7lusi\u00f3: una persona ha aconseguit l’exoneraci\u00f3 de 138.000 euros de deute despr\u00e9s de completar el procediment corresponent. El resultat li permetr\u00e0 afrontar una nova etapa amb unes condicions econ\u00f2miques molt m\u00e9s assumibles.<\/p>\n

D’un deute de 141.000 euros a un pla de 50 euros al mes<\/h3>\n

La persona acumulava 141.000 euros de deute, una xifra que feia molt dif\u00edcil sostenir la seva situaci\u00f3 econ\u00f2mica.<\/p>\n

Despr\u00e9s d’estudiar el cas i tramitar el procediment de Segona Oportunitat, s’ha aconseguit l’exoneraci\u00f3 de la major part del deute, mantenint \u00fanicament un pla de pagaments sobre els 3.000 euros restants. A partir d’ara, haur\u00e0 d’assumir una quota de 50 euros mensuals durant cinc anys.<\/p>\n

La difer\u00e8ncia \u00e9s significativa: passar d’arrossegar un deute de 141.000 euros a afrontar una quota de 50 euros al mes pot suposar recuperar una certa estabilitat i, sobretot, tornar a mirar cap al futur.<\/p>\n

Cada situaci\u00f3 \u00e9s diferent<\/h3>\n

Aquest cas \u00e9s un exemple de les possibilitats que pot oferir la Llei de la Segona Oportunitat, per\u00f2 cal tenir present que cada situaci\u00f3 \u00e9s diferent.<\/p>\n

Les circumst\u00e0ncies personals i econ\u00f2miques, els ingressos, el patrimoni i la naturalesa dels deutes s\u00f3n alguns dels factors que cal analitzar abans de determinar quina \u00e9s la millor via per afrontar cada cas.<\/p>\n

Per aix\u00f2, si tens deutes que no pots assumir, \u00e9s important con\u00e8ixer les opcions disponibles abans de donar la situaci\u00f3 per perduda.<\/p>\n

Una segona oportunitat per comen\u00e7ar de nou<\/h3>\n

Darrere de cada procediment hi ha una persona i una hist\u00f2ria diferent: persones que han intentat tirar endavant un negoci, que han passat per una situaci\u00f3 econ\u00f2mica complicada o que, simplement, ja no poden fer front als deutes acumulats.<\/p>\n

La Segona Oportunitat pot obrir una nova etapa.<\/p>\n

\"\"<\/p>\n

A RM Assessors estudiem cada cas de manera individual i t’acompanyem durant tot el proc\u00e9s, perqu\u00e8 puguis con\u00e8ixer les alternatives disponibles i afrontar la teva situaci\u00f3 amb el suport de professionals.<\/em><\/h5>\n
138.000 euros de deute exonerats i un pla de pagament a 5 anys. I, sobretot, una nova oportunitat per comen\u00e7ar.<\/em><\/h5>\n","protected":false},"excerpt":{"rendered":"

La Llei de la Segona Oportunitat pot marcar un abans i un despr\u00e9s per a persones que es troben en una situaci\u00f3 de sobreendeutament i no poden fer front als seus deutes. A RM Assessors ho hem pogut comprovar recentment amb un cas que ens ha fet especial il\u00b7lusi\u00f3: una persona ha aconseguit l’exoneraci\u00f3 de […]<\/p>\n","protected":false},"author":20,"featured_media":15238,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[21,17],"tags":[3045,1348,3513],"class_list":["post-15234","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-butlleti-mensual","category-juridica","tag-exoneracio-de-deutes","tag-llei-segona-oportunitat","tag-no-pagar-deites"],"acf":[],"yoast_head":"\n138.000 euros de deute exonerats i un pla de pagament a 5 anys: un nou comen\u00e7ament gr\u00e0cies a la Segona Oportunitat | RM Assessors<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.rm-assessors.cat\/en\/llei-de-la-segona-oportunitat-quan-els-deutes-no-han-de-marcar-el-teu-futur\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"138.000 euros de deute exonerats i un pla de pagament a 5 anys: un nou comen\u00e7ament gr\u00e0cies a la Segona Oportunitat | RM Assessors\" \/>\n<meta property=\"og:description\" content=\"La Llei de la Segona Oportunitat pot marcar un abans i un despr\u00e9s per a persones que es troben en una situaci\u00f3 de sobreendeutament i no poden fer front als seus deutes. 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