{"id":4644,"date":"2020-07-11T11:57:42","date_gmt":"2020-07-11T09:57:42","guid":{"rendered":"https:\/\/www.rm-assessors.cat\/els-deutors-es-poden-acollir-a-la-llei-de-la-segona-oportunitat-per-no-haver-de-pagar-o-per-ajornar-els-seus-deutes\/"},"modified":"2020-07-11T11:57:42","modified_gmt":"2020-07-11T09:57:42","slug":"els-deutors-es-poden-acollir-a-la-llei-de-la-segona-oportunitat-per-no-haver-de-pagar-o-per-ajornar-els-seus-deutes","status":"publish","type":"post","link":"https:\/\/www.rm-assessors.cat\/en\/els-deutors-es-poden-acollir-a-la-llei-de-la-segona-oportunitat-per-no-haver-de-pagar-o-per-ajornar-els-seus-deutes\/","title":{"rendered":"Els deutors es poden acollir a la llei de la segona oportunitat per no haver de pagar o per ajornar els seus deutes."},"content":{"rendered":"<p>Recordem que el\u00a0<a href=\"https:\/\/www.boe.es\/boe\/dias\/2015\/02\/28\/pdfs\/BOE-A-2015-2109.pdf\" target=\"_blank\" rel=\"noopener\"><em>Real Decreto Ley 1\/2015<\/em><\/a>\u00a0va 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\u2019insolv\u00e8ncia i iniciar una nova activitat. Destaquem el seg\u00fcent:<\/p>\n<p><span style=\"color: #ff0000;\"><strong>Requisits per que un deutor s\u2019hi 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 \u00a0contra el patrimoni, contra l\u2019ordre socioecon\u00f2mic, falsedat documental, contra hisenda p\u00fablica i Seguretat Social o contra els dret dels treballadors.<\/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\u2019exoneraci\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\u2019article 84.2 de la Llei Concursal. Per exemple, s\u2019ha d\u2019haver 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\u2019art. 89 de la Llei Concursal. Per exemple, s\u2019ha d\u2019haver 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\u2019exoneraci\u00f3 del passiu insatisfet, que l\u2019obtenci\u00f3 d\u2019aquest 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\u2019hi vulgui acollir:<\/strong><\/span><\/p>\n<ol>\n<li>Invertir tot el seu patrimoni en pagar els deutes que l\u2019hi hagin estat reclamats en concurs de creditors. S\u2019ha d\u2019haver quedat a zero.<\/li>\n<li>Sol\u00b7licitar al Jutjat que hagi tramitat el concurs de creditors que se l\u2019exoneri dels deutes restants que no hagu\u00e9s pogut satisfer per insufici\u00e8ncia de patrimoni.<\/li>\n<li>El Jutjat donar\u00e0 trasllat a l\u2019administrador 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><span style=\"color: #ff0000;\"><strong>Conseq\u00fc\u00e8ncies de l\u2019estimaci\u00f3 de la sol\u00b7licitud d\u2019exoneraci\u00f3 de deutes formulada pel deutor<\/strong>:<\/span><\/p>\n<ul>\n<li>No s\u2019haur\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\u2019art. 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\u2019art. 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><a href=\"https:\/\/www.rm-assessors.cat\/wp-content\/uploads\/2017\/06\/RM_Assessors_Foto_4.jpg\"><img fetchpriority=\"high\" decoding=\"async\" class=\"size-full wp-image-2186\" src=\"https:\/\/www.rm-assessors.cat\/wp-content\/uploads\/2017\/06\/RM_Assessors_Foto_4.jpg\" alt=\"\" width=\"900\" height=\"619\" \/><\/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 info@rm-assessors.cat.<\/strong> <\/em><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Recordem que el\u00a0Real Decreto Ley 1\/2015\u00a0va 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\u2019insolv\u00e8ncia i iniciar una nova activitat. Destaquem el seg\u00fcent: Requisits [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3313,"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":[1652,1348,1653],"class_list":["post-4644","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-butlleti-mensual","category-destacats","category-juridica","tag-ajornament-de-deutes","tag-llei-segona-oportunitat","tag-no-pagar-deutes"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Els deutors es poden acollir a la llei de la segona oportunitat per no haver de pagar o per ajornar els seus deutes. | 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\/els-deutors-es-poden-acollir-a-la-llei-de-la-segona-oportunitat-per-no-haver-de-pagar-o-per-ajornar-els-seus-deutes\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Els deutors es poden acollir a la llei de la segona oportunitat per no haver de pagar o per ajornar els seus deutes. | RM Assessors\" \/>\n<meta property=\"og:description\" content=\"Recordem que el\u00a0Real Decreto Ley 1\/2015\u00a0va 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\u2019insolv\u00e8ncia i iniciar una nova activitat. 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