{"id":6824,"date":"2022-10-11T11:43:15","date_gmt":"2022-10-11T09:43:15","guid":{"rendered":"https:\/\/www.rm-assessors.cat\/reforma-concursal-com-queda-el-procediment-de-segona-oportunitat\/"},"modified":"2022-10-11T11:43:15","modified_gmt":"2022-10-11T09:43:15","slug":"reforma-concursal-com-queda-el-procediment-de-segona-oportunitat","status":"publish","type":"post","link":"https:\/\/www.rm-assessors.cat\/es\/reforma-concursal-com-queda-el-procediment-de-segona-oportunitat\/","title":{"rendered":"Reforma concursal: com queda el procediment de segona oportunitat?"},"content":{"rendered":"<h5 class=\"leading-image\">El passat 26 de setembre va entrar en vigor l&#8217;esperada reforma de la Llei concursal que modifica al procediment de segona oportunitat i estableix una doble oportunitat d\u2019exhoneraci\u00f3 de deutes.<\/h5>\n<p>Destaquem el seg\u00fcent:<\/p>\n<h3 data-reader-unique-id=\"3\"><strong data-reader-unique-id=\"4\">En qu\u00e8 consisteix la segona oportunitat?<\/strong><\/h3>\n<p data-reader-unique-id=\"5\">La normativa concursal regula el mecanisme denominat de \u00absegona oportunitat\u00bb (o \u00abbenefici de l&#8217;exoneraci\u00f3 del passiu insatisfet\u00bb), al qual es poden acollir les persones f\u00edsiques amb deutes (mai una societat). Per exemple, socis que han avalat deutes de la seva empresa, empresaris aut\u00f2noms, particulars, etc.<\/p>\n<p data-reader-unique-id=\"6\">L&#8217;avantatge d&#8217;aquest mecanisme \u00e9s el seg\u00fcent:<\/p>\n<ul class=\"list-style-type-none\" data-reader-unique-id=\"7\">\n<li data-reader-unique-id=\"8\">En general, les persones f\u00edsiques responen dels seus deutes <em data-reader-unique-id=\"9\">tant amb el seu patrimoni present com futur<\/em>. Per tant, si un creditor no pot cobrar ara (perqu\u00e8 el deutor \u00e9s insolvent), pot esperar i tornar a reclamar en el futur (si llavors el deutor torna a tenir diners).<\/li>\n<li data-reader-unique-id=\"10\">Amb el mecanisme de la <strong data-reader-unique-id=\"11\"><em data-reader-unique-id=\"12\">segona oportunitat<\/em><\/strong>, no obstant aix\u00f2, es liquida el <em data-reader-unique-id=\"13\">patrimoni actual<\/em> del deutor, i alguns deutes que no es puguin pagar amb aquest patrimoni <em data-reader-unique-id=\"14\">podrien quedar cancel\u00b7lats<\/em>. El deutor no respon amb el seu patrimoni futur, sin\u00f3 que posa el \u00abcomptador a zero\u00bb i t\u00e9 una <strong data-reader-unique-id=\"15\"><em data-reader-unique-id=\"16\">\u00absegona oportunitat\u00bb<\/em><\/strong>.<\/li>\n<\/ul>\n<h3 data-reader-unique-id=\"17\"><strong data-reader-unique-id=\"18\">Novetats en el procediment<\/strong><\/h3>\n<p data-reader-unique-id=\"19\">Una de les principals novetats que incorpora la reforma \u00e9s la <strong data-reader-unique-id=\"20\">doble modalitat d&#8217;exoneraci\u00f3<\/strong>, una \u00e9s la liquidaci\u00f3 del patrimoni del deutor, i l&#8217;altra \u00e9s mitjan\u00e7ant un pla de pagaments que li permetr\u00e0 veure exonerats els seus deutes sense la necessitat de liquidar els seus b\u00e9ns. En aquest cas, s&#8217;especifica que es podr\u00e0 establir a trav\u00e9s de pagaments de quantia determinada, o determinable en funci\u00f3 de l&#8217;evoluci\u00f3 de la renda i recursos de qu\u00e8 disposi el deutor.<\/p>\n<p data-reader-unique-id=\"21\">\u00c9s molt important tenir clar que es tracta de modalitats intercanviables, de manera que el deutor que hagi obtingut l&#8217;exoneraci\u00f3 provisional a trav\u00e9s de pla de pagaments, la podr\u00e0 deixar sense efecte i sol\u00b7licitar l&#8217;exoneraci\u00f3 amb la liquidaci\u00f3 de la massa activa.<\/p>\n<p data-reader-unique-id=\"22\">A continuaci\u00f3, procedim a analitzar, a grans trets, alguns dels principals canvis que la nova llei incorpora:<\/p>\n<ul class=\"list-style-type-none\" data-reader-unique-id=\"23\">\n<li data-reader-unique-id=\"24\"><strong data-reader-unique-id=\"25\">Supressi\u00f3 de l&#8217;acord extrajudicial de pagaments<\/strong> com a requisit previ a l&#8217;exoneraci\u00f3, sense que sigui necessari l&#8217;intent de negociaci\u00f3 pr\u00e8via amb els creditors afectats. Gr\u00e0cies a aquesta modificaci\u00f3, se simplifica i perfecciona el mecanisme, facilitant i agilitzant sobre manera el procediment d&#8217;exoneraci\u00f3.<\/li>\n<\/ul>\n<ul class=\"list-style-type-none\" data-reader-unique-id=\"26\">\n<li data-reader-unique-id=\"27\"><strong data-reader-unique-id=\"28\">En relaci\u00f3 amb el cr\u00e8dit p\u00fablic<\/strong>, el nou text de la Llei concursal contempla que es pugui arribar a exonerar fins a un total de 20.000 \u20ac de deute p\u00fablic, a repartir entre l&#8217;Ag\u00e8ncia Tribut\u00e0ria (10.000 \u20ac) i la Seguretat Social (10.000 \u20ac). En tots dos casos, els primers 5.000 \u20ac de deute s&#8217;exoneraran de manera \u00edntegra, i a partir d&#8217;aquesta xifra, l&#8217;exoneraci\u00f3 arribar\u00e0 al 50% del deute fins al m\u00e0xim indicat.<\/li>\n<\/ul>\n<ul class=\"list-style-type-none\" data-reader-unique-id=\"29\">\n<li data-reader-unique-id=\"30\">Es configura, com a nova <strong data-reader-unique-id=\"31\">potestat del jutge<\/strong>, la limitaci\u00f3 de l&#8217;exoneraci\u00f3 en aquells sup\u00f2sits que sigui necessari amb la condici\u00f3 d&#8217;evitar la insolv\u00e8ncia del creditor afectat. Es tracta d&#8217;una mesura que va enfocada als creditors m\u00e9s vulnerables als qui l&#8217;impagament d&#8217;un deute els pot generar un desequilibro important.<\/li>\n<\/ul>\n<p data-reader-unique-id=\"32\">Finalment, \u00e9s important recordar que una vegada els cr\u00e8dits s&#8217;hagin vist exonerats, no hi podr\u00e0 haver cap mena d&#8217;acci\u00f3 judicial ni extrajudicial enfront del deutor per al seu cobrament, perqu\u00e8 els creditors \u00fanicament mantindran aquestes accions en cas que es tracti de cr\u00e8dits no exonerables, com poden ser els deutes per aliments o les procedents de la responsabilitat civil derivada d&#8217;un delicte.<\/p>\n<p data-reader-unique-id=\"32\"><a href=\"https:\/\/www.rm-assessors.cat\/wp-content\/uploads\/2020\/04\/shutterstock_762124450.jpg\"><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone size-full wp-image-4442\" src=\"https:\/\/www.rm-assessors.cat\/wp-content\/uploads\/2020\/04\/shutterstock_762124450.jpg\" alt=\"\" width=\"600\" height=\"600\" srcset=\"https:\/\/www.rm-assessors.cat\/wp-content\/uploads\/2020\/04\/shutterstock_762124450.jpg 600w, https:\/\/www.rm-assessors.cat\/wp-content\/uploads\/2020\/04\/shutterstock_762124450-300x300.jpg 300w, https:\/\/www.rm-assessors.cat\/wp-content\/uploads\/2020\/04\/shutterstock_762124450-150x150.jpg 150w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/a><\/p>\n<h3 data-reader-unique-id=\"32\">Som Advocats i gestionem l\u2019exhoneraci\u00f3 de deutes. Consulteu-nos sense comprom\u00eds trucant el 972208258, o per correu electr\u00f2nic adre\u00e7at a info@rm-assessoors.cat<\/h3>\n<p data-reader-unique-id=\"32\">\n","protected":false},"excerpt":{"rendered":"<p>El passat 26 de setembre va entrar en vigor l&#8217;esperada reforma de la Llei concursal que modifica al procediment de segona oportunitat i estableix una doble oportunitat d\u2019exhoneraci\u00f3 de deutes. Destaquem el seg\u00fcent: En qu\u00e8 consisteix la segona oportunitat? La normativa concursal regula el mecanisme denominat de \u00absegona oportunitat\u00bb (o \u00abbenefici de l&#8217;exoneraci\u00f3 del passiu [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":797,"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":[140,2314,2315],"class_list":["post-6824","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-butlleti-mensual","category-destacats","category-juridica","tag-mecanisme-segona-oportunitat","tag-reforma-llei-concursal","tag-suspensio-de-pagaments"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Reforma concursal: com queda el procediment de 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\/reforma-concursal-com-queda-el-procediment-de-segona-oportunitat\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Reforma concursal: com queda el procediment de segona oportunitat? | RM Assessors\" \/>\n<meta property=\"og:description\" content=\"El passat 26 de setembre va entrar en vigor l&#8217;esperada reforma de la Llei concursal que modifica al procediment de segona oportunitat i estableix una doble oportunitat d\u2019exhoneraci\u00f3 de deutes. Destaquem el seg\u00fcent: En qu\u00e8 consisteix la segona oportunitat? La normativa concursal regula el mecanisme denominat de \u00absegona oportunitat\u00bb (o \u00abbenefici de l&#8217;exoneraci\u00f3 del passiu [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.rm-assessors.cat\/es\/reforma-concursal-com-queda-el-procediment-de-segona-oportunitat\/\" \/>\n<meta property=\"og:site_name\" content=\"RM Assessors\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/rmassessors\" \/>\n<meta property=\"article:published_time\" content=\"2022-10-11T09:43:15+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.rm-assessors.cat\/wp-content\/uploads\/2015\/02\/juridica5_69016861.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"658\" \/>\n\t<meta property=\"og:image:height\" content=\"325\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"neorg_US\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@RMAssessors\" \/>\n<meta name=\"twitter:site\" content=\"@RMAssessors\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"neorg_US\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.rm-assessors.cat\\\/es\\\/reforma-concursal-com-queda-el-procediment-de-segona-oportunitat\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.rm-assessors.cat\\\/es\\\/reforma-concursal-com-queda-el-procediment-de-segona-oportunitat\\\/\"},\"author\":{\"name\":\"neorg_US\",\"@id\":\"https:\\\/\\\/www.rm-assessors.cat\\\/es\\\/#\\\/schema\\\/person\\\/6319b8c64073cb2218768aa069a0e944\"},\"headline\":\"Reforma concursal: com queda el procediment de segona oportunitat?\",\"datePublished\":\"2022-10-11T09:43:15+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.rm-assessors.cat\\\/es\\\/reforma-concursal-com-queda-el-procediment-de-segona-oportunitat\\\/\"},\"wordCount\":630,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/www.rm-assessors.cat\\\/es\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.rm-assessors.cat\\\/es\\\/reforma-concursal-com-queda-el-procediment-de-segona-oportunitat\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.rm-assessors.cat\\\/wp-content\\\/uploads\\\/2015\\\/02\\\/juridica5_69016861.jpg\",\"keywords\":[\"mecanisme segona oportunitat\",\"reforma llei concursal\",\"suspensi\u00f3 de pagaments\"],\"articleSection\":[\"Butllet\u00ed mensual\",\"Destacats\",\"Jur\u00eddica\"],\"inLanguage\":\"es\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.rm-assessors.cat\\\/es\\\/reforma-concursal-com-queda-el-procediment-de-segona-oportunitat\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.rm-assessors.cat\\\/es\\\/reforma-concursal-com-queda-el-procediment-de-segona-oportunitat\\\/\",\"url\":\"https:\\\/\\\/www.rm-assessors.cat\\\/es\\\/reforma-concursal-com-queda-el-procediment-de-segona-oportunitat\\\/\",\"name\":\"Reforma concursal: com queda el procediment de segona oportunitat? 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