{"id":13671,"date":"2025-03-31T18:54:22","date_gmt":"2025-03-31T16:54:22","guid":{"rendered":"https:\/\/www.rm-assessors.cat\/?p=13671"},"modified":"2025-03-31T19:22:55","modified_gmt":"2025-03-31T17:22:55","slug":"es-efectiva-la-segona-oportunitat","status":"publish","type":"post","link":"https:\/\/www.rm-assessors.cat\/es\/es-efectiva-la-segona-oportunitat\/","title":{"rendered":"\u00c9s efectiva la segona oportunitat?"},"content":{"rendered":"<h5>La segona oportunitat \u00e9s efectiva i eficient. Ara b\u00e9, hi ha algunes situacions en qu\u00e8 s&#8217;alenteix o es complica, per\u00f2 s\u00f3n la gran minoria. Per conseg\u00fcent, hem de concloure que \u00e9s un mecanisme efectiu i molt \u00fatil per al deutor. Sobretot, si el deute que teniu es privat i bancari<\/h5>\n<hr \/>\n<p>El mecanisme de segona oportunitat complir\u00e0 deu anys aquest 2025. Recordeu que aquest mecanisme serveix per a poder aconseguir un perd\u00f3 judicial dels deutes, en cas de complir els requisits.<\/p>\n<h3>Efectivitat del mecanisme de segona oportunitat<\/h3>\n<p>En general es considera que el mecanisme tindr\u00e0 \u00e8xit i ser\u00e0 efectiu en el 95% dels casos en que, un cop consultada la documentaci\u00f3, el despatx consultat el considera \u00abviable\u00bb.<\/p>\n<p><strong>La no efectivitat es sol produir en els seg\u00fcents casos:<\/strong><\/p>\n<h4>Persones amb exc\u00e9s de deute p\u00fablic<\/h4>\n<p>Les persones amb segona oportunitat viable, per\u00f2 amb excessiu deute p\u00fablic, ho tenen dif\u00edcil per a veure satisfetes les seves expectatives entorn de la segona oportunitat. Aix\u00f2 \u00e9s aix\u00ed per diversos factors.<\/p>\n<ul>\n<li>El primer \u00e9s que les entitats p\u00fabliques, tenen l\u00edmits d&#8217;exoneraci\u00f3. S\u00f3n 10.000 euros de Seguretat Social i 10.000 euros d&#8217;Ag\u00e8ncia Tribut\u00e0ria. Quedant fora tots els deutes d&#8217;ens locals, diputacions o administracions auton\u00f2miques. Recordem que els l\u00edmits s\u00f3n 10.000 euros d&#8217;Hisenda i 10.000 euros de Seguretat Social. Fora d&#8217;aix\u00f2, el deutor no obtindr\u00e0 ni un euro de perd\u00f3 extra en l&#8217;\u00e0mbit de deute p\u00fablic.<\/li>\n<li>El segon motiu \u00e9s que les administracions p\u00fabliques intentaran embargar l&#8217;endem\u00e0 que acabi el procediment. Per tant, si devem 11.000 euros, ens en perdonen 10.000 i si en queden 1.000, l&#8217;endem\u00e0 d&#8217;acabar l&#8217;assumpte, ja intentaran embargar.<\/li>\n<\/ul>\n<h4>Jutjats espec\u00edficament col\u00b7lapsats<\/h4>\n<p>Despr\u00e9s tenim els jutjats col\u00b7lapsats. Hi ja Jutjats mercantils que van tan lents que les persones es desesperen. Al final no \u00e9s el mateix que un procediment trigui dotze mesos que si en triga 24 o 36. Acabar un tema en un any i tenir un perd\u00f3 \u00abr\u00e0pid\u00bb, \u00e9s satisfactori. Trigar molt, a vegades \u00e9s molt frustrant.<\/p>\n<h4>Mala praxi d&#8217;administradors concursals amb baix coneixement<\/h4>\n<p>Finalment, tenim que a vegades, sobretot si hi ha pla de pagaments, els administradors concursals nomenats pels jutjats tenen poc coneixement de l&#8217;assumpte concursal, espec\u00edficament del procediment concursal de persona f\u00edsica. Quan aix\u00f2 succeeix, a vegades l&#8217;administrador concursal no sap o no vol facilitar-li l&#8217;operativa di\u00e0ria al concursat, tractant-lo com una empresa. Aix\u00f2 \u00e9s un error i genera molta pol\u00e8mica.<\/p>\n<h3>En conclusi\u00f3:<\/h3>\n<p>la segona oportunitat \u00e9s efectiva i eficient, en el 95% dels casos. Ara b\u00e9, hi ha algunes situacions en qu\u00e8 s&#8217;alenteix o es complica, per\u00f2 s\u00f3n la gran minoria. Per conseg\u00fcent, hem de concloure que \u00e9s un mecanisme efectiu i molt \u00fatil per al deutor. Sobretot, si t\u00e9 deute privat i bancari, que en aquests casos les coses solen anar molt b\u00e9 pel deutor.<\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone size-medium wp-image-13080\" src=\"https:\/\/www.rm-assessors.cat\/wp-content\/uploads\/2024\/11\/pexels-photo-3760514-1729675406_1729676400image-300x167.jpeg\" alt=\"\" width=\"300\" height=\"167\" srcset=\"https:\/\/www.rm-assessors.cat\/wp-content\/uploads\/2024\/11\/pexels-photo-3760514-1729675406_1729676400image-300x167.jpeg 300w, https:\/\/www.rm-assessors.cat\/wp-content\/uploads\/2024\/11\/pexels-photo-3760514-1729675406_1729676400image-768x427.jpeg 768w, https:\/\/www.rm-assessors.cat\/wp-content\/uploads\/2024\/11\/pexels-photo-3760514-1729675406_1729676400image-600x333.jpeg 600w, https:\/\/www.rm-assessors.cat\/wp-content\/uploads\/2024\/11\/pexels-photo-3760514-1729675406_1729676400image.jpeg 810w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/p>\n<h3><span style=\"color: #3366ff;\"><em>Es poden posar en contacte amb aquest despatx professional per qualsevol dubte o aclariment que puguin tenir sobre aquesta q\u00fcesti\u00f3 trucant al 972 208 258, o per correu electr\u00f2nic adre\u00e7at a info@rm-assessors.cat.\u00a0<\/em><\/span><\/h3>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>La segona oportunitat \u00e9s efectiva i eficient. Ara b\u00e9, hi ha algunes situacions en qu\u00e8 s&#8217;alenteix o es complica, per\u00f2 s\u00f3n la gran minoria. Per conseg\u00fcent, hem de concloure que \u00e9s un mecanisme efectiu i molt \u00fatil per al deutor. Sobretot, si el deute que teniu es privat i bancari El mecanisme de segona oportunitat [&hellip;]<\/p>\n","protected":false},"author":18,"featured_media":13668,"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":""}},"_joinchat":[],"footnotes":""},"categories":[21,41,17],"tags":[3044,3045,140],"class_list":["post-13671","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-butlleti-mensual","category-destacats","category-juridica","tag-concurs-creditors-particulars","tag-exoneracio-de-deutes","tag-mecanisme-segona-oportunitat"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u00c9s efectiva 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\/es\/es-efectiva-la-segona-oportunitat\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u00c9s efectiva la segona oportunitat? | RM Assessors\" \/>\n<meta property=\"og:description\" content=\"La segona oportunitat \u00e9s efectiva i eficient. 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Ara b\u00e9, hi ha algunes situacions en qu\u00e8 s&#8217;alenteix o es complica, per\u00f2 s\u00f3n la gran minoria. Per conseg\u00fcent, hem de concloure que \u00e9s un mecanisme efectiu i molt \u00fatil per al deutor. 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