{"id":85626,"date":"2024-02-28T14:20:44","date_gmt":"2024-02-28T14:20:44","guid":{"rendered":"https:\/\/avabogada.com\/?page_id=85626"},"modified":"2025-07-25T14:35:48","modified_gmt":"2025-07-25T14:35:48","slug":"segunda-oportunidad-almeria","status":"publish","type":"page","link":"https:\/\/avabogada.com\/en\/segunda-oportunidad-almeria\/","title":{"rendered":"Segunda oportunidad"},"content":{"rendered":"

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Ley de segunda oportunidad en Almer\u00eda<\/h1>\n

[\/et_pb_text][\/et_pb_column][et_pb_column type=\u00bb2_5″ _builder_version=\u00bb4.23.1″ _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\u00bb1″ custom_padding_last_edited=\u00bboff|desktop\u00bb _builder_version=\u00bb4.24.2″ _module_preset=\u00bbdefault\u00bb background_color=\u00bbrgba(199,196,187,0.18)\u00bb custom_padding_tablet=\u00bb1px||110px||false|false\u00bb custom_padding_phone=\u00bb1px||90px||false|false\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_row column_structure=\u00bb1_4,3_4″ _builder_version=\u00bb4.24.2″ _module_preset=\u00bbdefault\u00bb width=\u00bb90%\u00bb max_width=\u00bb1296px\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_column type=\u00bb1_4″ _builder_version=\u00bb4.24.2″ _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_image src=\u00bbhttps:\/\/avabogada.com\/wp-content\/uploads\/2024\/02\/lawyer-28-a-hba-1031.jpg\u00bb title_text=\u00bblawyer-28-a-hba-1031″ _builder_version=\u00bb4.24.2″ _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][\/et_pb_image][\/et_pb_column][et_pb_column type=\u00bb3_4″ _builder_version=\u00bb4.24.2″ _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_text _builder_version=\u00bb4.24.2″ _module_preset=\u00bbdefault\u00bb header_4_font=\u00bb|700||on|||||\u00bb header_4_text_align=\u00bbleft\u00bb header_4_text_color=\u00bb#B5A5B8″ header_4_font_size=\u00bb14px\u00bb header_4_letter_spacing=\u00bb0.5px\u00bb custom_margin=\u00bb0px||2px||false|false\u00bb custom_padding=\u00bb0px||0px||false|false\u00bb global_colors_info=\u00bb{}\u00bb]<\/p>\n

Ana\u00a0Victoria\u00a0Ruiz Navarro<\/h4>\n

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Cancela tus deudas y empieza de nuevo con respaldo legal
\n<\/h2>\n

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\u00bfTe sientes atrapado por las deudas? La <\/span>Ley de la Segunda Oportunidad<\/b> es un mecanismo legal que permite a <\/span>personas f\u00edsicas y aut\u00f3nomos cancelar sus deudas<\/b> cuando ya no pueden hacer frente a sus obligaciones econ\u00f3micas.<\/span><\/p>\n

Est\u00e1 regulada por el <\/span>Texto Refundido de la Ley Concursal (TRLC)<\/b>, reformado por la <\/span>Ley 16\/2022<\/b>, y tiene como objetivo ofrecer una verdadera segunda oportunidad a quienes han actuado <\/span>de buena fe<\/b>.<\/span><\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=\u00bb1_3,1_3,1_3″ use_custom_gutter=\u00bbon\u00bb gutter_width=\u00bb2″ make_equal=\u00bbon\u00bb _builder_version=\u00bb4.24.2″ _module_preset=\u00bbdefault\u00bb width=\u00bb90%\u00bb max_width=\u00bb1296px\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_column type=\u00bb1_3″ _builder_version=\u00bb4.24.2″ _module_preset=\u00bbdefault\u00bb background_color=\u00bb#FFFFFF\u00bb custom_padding=\u00bb20px|20px|20px|20px|true|true\u00bb border_width_bottom=\u00bb2px\u00bb border_color_bottom=\u00bb#B5A5B8″ global_colors_info=\u00bb{}\u00bb][et_pb_text _builder_version=\u00bb4.24.2″ _module_preset=\u00bbdefault\u00bb hover_enabled=\u00bb0″ global_colors_info=\u00bb{}\u00bb sticky_enabled=\u00bb0″]<\/p>\n

\u00bfQu\u00e9 tipo de deudas se pueden cancelar?<\/b><\/h3>\n

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Con esta ley se pueden exonerar muchas deudas, entre ellas:<\/span><\/p>\n

    \n
  • Pr\u00e9stamos personales, tarjetas de cr\u00e9dito, cr\u00e9ditos r\u00e1pidos y descubiertos bancarios<\/span><\/li>\n
  • Deudas con proveedores, arrendadores o particulares (si est\u00e1n documentadas)<\/span><\/li>\n
  • Parte de las deudas con Hacienda y Seguridad Social (hasta 10.000\u202f\u20ac por organismo)<\/span><\/li>\n
  • Deudas con aseguradoras o impagos de alquiler<\/span><\/li>\n<\/ul>\n

    En cambio, <\/span>no pueden cancelarse<\/b> deudas por alimentos, multas penales, sanciones muy graves, salarios recientes, responsabilidad civil por da\u00f1os personales ni hipotecas sobre vivienda habitual.<\/span><\/p>\n

    [\/et_pb_text][\/et_pb_column][et_pb_column type=\u00bb1_3″ _builder_version=\u00bb4.24.2″ _module_preset=\u00bbdefault\u00bb background_color=\u00bb#FFFFFF\u00bb custom_padding=\u00bb20px|20px|20px|20px|true|true\u00bb border_width_bottom=\u00bb2px\u00bb border_color_bottom=\u00bb#B5A5B8″ global_colors_info=\u00bb{}\u00bb][et_pb_text _builder_version=\u00bb4.24.2″ _module_preset=\u00bbdefault\u00bb hover_enabled=\u00bb0″ global_colors_info=\u00bb{}\u00bb sticky_enabled=\u00bb0″]<\/p>\n

    \u00bfQui\u00e9n puede acogerse?
    \n<\/b><\/h3>\n

    [\/et_pb_text][et_pb_text _builder_version=\u00bb4.24.2″ _module_preset=\u00bbdefault\u00bb header_3_font=\u00bb|700|||||||\u00bb global_colors_info=\u00bb{}\u00bb]<\/p>\n

    El perfil m\u00e1s habitual es el de trabajadores, aut\u00f3nomos o desempleados que <\/span>han acumulado deudas sin capacidad real de pagarlas<\/b>. Para acogerse es necesario:<\/span><\/p>\n

      \n
    • Estar en situaci\u00f3n de insolvencia actual o inminente<\/span><\/li>\n
    • No haber sido condenado por delitos econ\u00f3micos en los \u00faltimos 10 a\u00f1os<\/span><\/li>\n
    • No haber utilizado este mecanismo recientemente (2 o 5 a\u00f1os seg\u00fan el caso)<\/span><\/li>\n
    • Colaborar con el proceso judicial y aportar documentaci\u00f3n completa<\/span><\/li>\n<\/ul>\n
        <\/ul>\n

        [\/et_pb_text][\/et_pb_column][et_pb_column type=\u00bb1_3″ _builder_version=\u00bb4.24.2″ _module_preset=\u00bbdefault\u00bb background_color=\u00bb#FFFFFF\u00bb custom_padding=\u00bb20px|20px|20px|20px|true|true\u00bb border_width_bottom=\u00bb2px\u00bb border_color_bottom=\u00bb#B5A5B8″ global_colors_info=\u00bb{}\u00bb][et_pb_text _builder_version=\u00bb4.24.2″ _module_preset=\u00bbdefault\u00bb header_3_font=\u00bb|700|||||||\u00bb hover_enabled=\u00bb0″ global_colors_info=\u00bb{}\u00bb sticky_enabled=\u00bb0″]<\/p>\n

        \u00bfC\u00f3mo funciona el proceso?
        \n<\/h3>\n

        Existen dos formas principales de exoneraci\u00f3n:<\/span><\/p>\n

          \n
        1. Con liquidaci\u00f3n de patrimonio:<\/b> Se cancelan las deudas tras vender los bienes del deudor (si los tiene).<\/span><\/li>\n
        2. Con plan de pagos:<\/b> Se conserva el patrimonio y se pagan algunas deudas en plazos de hasta 5 a\u00f1os. Esta modalidad es ideal para quienes desean <\/span>mantener su vivienda o veh\u00edculo<\/b>.<\/span><\/li>\n<\/ol>\n

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          \u00bfBUSCA UN ABOGADO ESPECIALIZADO EN LA LEY DE LA SEGUNDA OPORTUNIDAD EN ALMER\u00cdA?<\/b><\/h2>\n

          [\/et_pb_text][et_pb_text _builder_version=\u00bb4.24.2″ _module_preset=\u00bbdefault\u00bb text_text_color=\u00bb#000000″ text_font_size=\u00bb16px\u00bb text_line_height=\u00bb1.8em\u00bb global_colors_info=\u00bb{}\u00bb custom_margin=\u00bb16px||31px||false|false\u00bb custom_padding=\u00bb0px||0px||false|false\u00bb hover_enabled=\u00bb0″ sticky_enabled=\u00bb0″]<\/p>\n

          Soy Ana Victoria Ruiz Navarro, abogada especializada en el mecanismo de la Ley de la Segunda oportunidad. Si esta agobiado sus tus deudas y es persona f\u00edsica o aut\u00f3nomo estudiar\u00e9 su caso y si es viable, comenzaremos todos los tr\u00e1mites para poder acogerse a este mecanismo que le permitir\u00e1 empezar de cero.<\/b><\/p>\n

          Cuento con <\/span>una s\u00f3lida experiencia asesorando y representando a personas f\u00edsicas y aut\u00f3nomos<\/b> en procedimientos de Ley de la Segunda Oportunidad, con un alto \u00edndice de \u00e9xito en la <\/span>cancelaci\u00f3n judicial de deudas<\/b>. Estudio cada caso con rigor, cercan\u00eda y honestidad, ofreciendo soluciones reales para quienes necesitan empezar de nuevo sin cargas econ\u00f3micas.<\/span><\/p>\n

          <\/span><\/p>\n

          Una herramienta legal, justa y necesaria<\/b><\/h3>\n

          <\/b><\/p>\n

          La Ley de Segunda Oportunidad no es un privilegio ni una v\u00eda para eludir responsabilidades. Es un <\/span>derecho reconocido en la normativa europea<\/b>, que busca <\/span>reinsertar a personas honestas y sobreendeudadas<\/b> en la vida econ\u00f3mica activa.<\/span><\/p>\n

          Si has llegado a una situaci\u00f3n l\u00edmite, <\/span>no est\u00e1s solo<\/b>. Estudiar\u00e9 tu caso con cercan\u00eda, rigor y total confidencialidad.<\/span><\/p>\n

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          Despacho en Almer\u00eda | Atenci\u00f3n en toda Espa\u00f1a<\/span>
          <\/span>Consulta sin compromiso<\/b>
          <\/span><\/h2>\n

          [\/et_pb_text][et_pb_button button_url=\u00bb#contacto\u00bb button_text=\u00bbContacta conmigo y empieza a recuperar tu libertad econ\u00f3mica.\u00bb button_alignment=\u00bbcenter\u00bb _builder_version=\u00bb4.24.2″ _module_preset=\u00bbdefault\u00bb custom_button=\u00bbon\u00bb button_text_size=\u00bb15px\u00bb button_text_color=\u00bb#000000″ button_bg_color=\u00bb#FFFFFF\u00bb button_border_width=\u00bb0px\u00bb button_border_radius=\u00bb0px\u00bb button_font=\u00bbRoboto Flex||||||||\u00bb button_use_icon=\u00bboff\u00bb custom_margin=\u00bb0px||0px||false|false\u00bb custom_padding=\u00bb12px|25px|11px|25px|false|false\u00bb hover_enabled=\u00bb0″ box_shadow_style=\u00bbpreset3″ locked=\u00bboff\u00bb global_colors_info=\u00bb{}\u00bb button_bg_color__hover_enabled=\u00bbon|desktop\u00bb button_bg_color__hover=\u00bb#C7C4BB\u00bb button_bg_enable_color__hover=\u00bbon\u00bb button_text_color__hover_enabled=\u00bbon|desktop\u00bb button_text_color__hover=\u00bb#000000″ button_letter_spacing__hover=\u00bb0px\u00bb button_letter_spacing__hover_enabled=\u00bbon|hover\u00bb sticky_enabled=\u00bb0″][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>","protected":false},"excerpt":{"rendered":"

          Ley de segunda oportunidad en Almer\u00edaAna\u00a0Victoria\u00a0Ruiz NavarroCancela tus deudas y empieza de nuevo con respaldo legal \u00bfTe sientes atrapado por las deudas? La Ley de la Segunda Oportunidad es un mecanismo legal que permite a personas f\u00edsicas y aut\u00f3nomos cancelar sus deudas cuando ya no pueden hacer frente a sus obligaciones econ\u00f3micas. Est\u00e1 regulada por […]<\/p>","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"class_list":["post-85626","page","type-page","status-publish","hentry"],"yoast_head":"\nSegunda oportunidad - AV Abogada<\/title>\n<meta name=\"description\" content=\"Soy Ana Victoria Ruiz Navarro, abogada especializada en el mecanismo de la Ley de la Segunda oportunidad con mas de 8 a\u00f1os de experiencia.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/avabogada.com\/en\/segunda-oportunidad-almeria\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Segunda oportunidad - 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