{"id":3773,"date":"2019-10-14T19:23:53","date_gmt":"2019-10-14T17:23:53","guid":{"rendered":"https:\/\/www.rm-assessors.cat\/la-llei-de-la-segona-oportunitat-permet-als-deutors-persones-fisiques-renegociar-els-deutes-o-exonerar-tot-o-part-del-mateixos-per-que-puguin-tornar-a-comencar-partint-de-zero\/"},"modified":"2019-10-14T19:23:53","modified_gmt":"2019-10-14T17:23:53","slug":"la-llei-de-la-segona-oportunitat-permet-als-deutors-persones-fisiques-renegociar-els-deutes-o-exonerar-tot-o-part-del-mateixos-per-que-puguin-tornar-a-comencar-partint-de-zero","status":"publish","type":"post","link":"https:\/\/www.rm-assessors.cat\/en\/la-llei-de-la-segona-oportunitat-permet-als-deutors-persones-fisiques-renegociar-els-deutes-o-exonerar-tot-o-part-del-mateixos-per-que-puguin-tornar-a-comencar-partint-de-zero\/","title":{"rendered":"La Llei de la Segona Oportunitat permet als deutors persones f\u00edsiques renegociar els deutes o exonerar tot o part del mateixos per que puguin tornar a comen\u00e7ar partint de zero."},"content":{"rendered":"<p>El passat dia 20 de juny del 2019, el Jutjat de Primera Inst\u00e0ncia n\u00famero 2 de Badalona va dictar una resoluci\u00f3 que exonerava una deutora del pagament d&#8217;un deute de quasi 600.000 euros gr\u00e0cies a la llei de segona oportunitat. En aquest cas la deutora s&#8217;havia quedat sense bens a causa de p\u00e8rdues empresarials i els seus ingressos eren insuficients.<\/p>\n<p>Recordem que el <a href=\"https:\/\/www.boe.es\/boe\/dias\/2015\/02\/28\/pdfs\/BOE-A-2015-2109.pdf\"><em><span style=\"color: #ff0000;\">Real Decreto Ley 1\/2015<\/span><\/em><\/a> va crear un mecanisme pel qual es permet a les persones f\u00edsiques, siguin particulars o empresaris, renegociar els seus deutes o exonerar-los parcialment o incl\u00fas totalment, sempre que compleixin determinats requisits, per tal que puguin sortir de la seva situaci\u00f3 d&#8217;insolv\u00e8ncia i iniciar una nova activitat. Destaquem el seg\u00fcent:<\/p>\n<p><span style=\"color: #ff0000;\"><strong>Requisits per que un deutor s&#8217;hi pugui acollir<\/strong><\/span>:<\/p>\n<ol>\n<li>No haver estat declarat culpable en un concurs de creditors ni haver estat condemnat per un delicte \u00a0<span style=\"color: #333333;\">contra el patrimoni, contra l&#8217;ordre socioecon\u00f2mic, falsedat documental, contra hisenda p\u00fablica i Seguretat Social o contra els dret dels treballadors.<\/span><\/li>\n<li>Acreditar la seva bona f\u00e9:\n<ul>\n<li>Havent intentat solucionar els deutes amistosament mitjan\u00e7ant un acord de pagament extrajudicial.<\/li>\n<li>No havent frustrat possibilitats de pagament (per exemple, no havent refusat ofertes de feina en els darrers 4 anys).<\/li>\n<\/ul>\n<\/li>\n<li>No haver-se acollit a aquest mateix mecanisme d&#8217;exoneraci\u00f3 de pagaments en els darrers 10 anys.<\/li>\n<li>Haver satisfet els cr\u00e8dits contra la massa i els privilegiats:\n<ul>\n<li><em>Els cr\u00e8dits contra la massa son els que enumera l&#8217;article 84.2 de la Llei Concursal. Per exemple, s&#8217;ha d&#8217;haver pagat els salaris dels darrers 30 dies i les costes judicials.<\/em><\/li>\n<li><em>Els cr\u00e8dits privilegiats son els que enumera l&#8217;art. 89 de la Llei Concursal. Per exemple, s&#8217;ha d&#8217;haver pagar els cr\u00e8dits garantits amb hipoteca, els impostos i la Seguretat Social, encara que una sent\u00e8ncia del Tribunal Suprem de juliol 2019 flexibilitza aquest requisit permetent exonerar fins a un 70% els deutes per impostos i Seguretat Social.<\/em><\/li>\n<\/ul>\n<\/li>\n<li>Haver satisfet el 25% del cr\u00e8dits ordinaris, encara que aquest requisit pot decaure si el deutor acredita la seva bona f\u00e9.<\/li>\n<li>Acceptar de forma expressa, en la sol.licitud d&#8217;exoneraci\u00f3 del passiu insatisfet, que l&#8217;obtenci\u00f3 d&#8217;aquest benefici es far\u00e0 constar en la secci\u00f3 especial del Registre P\u00fablic concursal per un termini de 5 anys.<\/li>\n<\/ol>\n<p>&nbsp;<\/p>\n<p><span style=\"color: #ff0000;\"><strong>Procediment que haur\u00e0 de seguir el deutor que s&#8217;hi vulgui acollir:<\/strong><\/span><\/p>\n<ol>\n<li>Invertir tot el seu patrimoni en pagar els deutes que l&#8217;hi hagin estat reclamats en concurs de creditors. S&#8217;ha d&#8217;haver quedat a zero.<\/li>\n<li>Sol\u00b7licitar al Jutjat que hagi tramitat el concurs de creditors que se l&#8217;exoneri dels deutes restants que no hagu\u00e9s pogut satisfer per insufici\u00e8ncia de patrimoni.<\/li>\n<li>El Jutjat donar\u00e0 trasllat a l&#8217;administrador concursal i als creditors i estimar\u00e0 la sol\u00b7licitud si es donen tots els requisits.<\/li>\n<\/ol>\n<p>&nbsp;<\/p>\n<p><strong><span style=\"color: #ff0000;\">Conseq\u00fc\u00e8ncies de l&#8217;estimaci\u00f3 de la sol\u00b7licitud d&#8217;exoneraci\u00f3 de deutes formulada pel deutor<\/span><\/strong>:<\/p>\n<ul>\n<li>No s&#8217;haur\u00e0 de pagar i, per tant, quedaran exonerats, els cr\u00e8dits ordinaris i els subordinats, que quedaran extingits, excepte els cr\u00e8dits de dret p\u00fablic (Hisenda, Seguretat Social..) i per aliments.\n<ul>\n<li><em>Cr\u00e8dits ordinaris son els que no son privilegiats ni subordinats.<\/em><\/li>\n<li><em>Cr\u00e8dits privilegiats son els garantits amb hipoteca, deutes amb Hisenda, Seguretat Social i altres\u00a0 que enumera l&#8217;art. 89 de la Llei Concursal.<\/em><\/li>\n<li><em>Cr\u00e8dits subordinats son els que corresponen a rec\u00e0rrecs, interessos, multes i altres que enumera l&#8217;art. 92 de la Llei Concursal.<\/em><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li>Els deutes restants podran ser satisfets pel deutor en un termini de 5 anys, sense interessos.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/www.rm-assessors.cat\/wp-content\/uploads\/2019\/10\/shutterstock_529337257.jpg\"><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone size-full wp-image-3793\" src=\"https:\/\/www.rm-assessors.cat\/wp-content\/uploads\/2019\/10\/shutterstock_529337257.jpg\" alt=\"\" width=\"600\" height=\"600\" srcset=\"https:\/\/www.rm-assessors.cat\/wp-content\/uploads\/2019\/10\/shutterstock_529337257.jpg 600w, https:\/\/www.rm-assessors.cat\/wp-content\/uploads\/2019\/10\/shutterstock_529337257-300x300.jpg 300w, https:\/\/www.rm-assessors.cat\/wp-content\/uploads\/2019\/10\/shutterstock_529337257-150x150.jpg 150w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/a><\/p>\n<p><span style=\"color: #800080;\"><em><strong>Som advocats. Consulteu-nos sense comprom\u00eds trucant al 972 426 004, o per correu electr\u00f2nic adre\u00e7at a juridic@rm-assessors.cat.<\/strong><\/em><\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>El passat dia 20 de juny del 2019, el Jutjat de Primera Inst\u00e0ncia n\u00famero 2 de Badalona va dictar una resoluci\u00f3 que exonerava una deutora del pagament d&#8217;un deute de quasi 600.000 euros gr\u00e0cies a la llei de segona oportunitat. En aquest cas la deutora s&#8217;havia quedat sense bens a causa de p\u00e8rdues empresarials i [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","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":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","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":""}},"_joinchat":[],"footnotes":""},"categories":[21,41,17],"tags":[1347,1348,1349],"class_list":["post-3773","post","type-post","status-publish","format-standard","hentry","category-butlleti-mensual","category-destacats","category-juridica","tag-exoneracio-dels-deutes","tag-llei-segona-oportunitat","tag-renegociar-els-deutes"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>La Llei de la Segona Oportunitat permet als deutors persones f\u00edsiques renegociar els deutes o exonerar tot o part del mateixos per que puguin tornar a comen\u00e7ar partint de zero. | 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\/la-llei-de-la-segona-oportunitat-permet-als-deutors-persones-fisiques-renegociar-els-deutes-o-exonerar-tot-o-part-del-mateixos-per-que-puguin-tornar-a-comencar-partint-de-zero\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"La Llei de la Segona Oportunitat permet als deutors persones f\u00edsiques renegociar els deutes o exonerar tot o part del mateixos per que puguin tornar a comen\u00e7ar partint de zero. | RM Assessors\" \/>\n<meta property=\"og:description\" content=\"El passat dia 20 de juny del 2019, el Jutjat de Primera Inst\u00e0ncia n\u00famero 2 de Badalona va dictar una resoluci\u00f3 que exonerava una deutora del pagament d&#8217;un deute de quasi 600.000 euros gr\u00e0cies a la llei de segona oportunitat. 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