{"id":1091,"date":"2023-11-30T10:49:00","date_gmt":"2023-11-30T09:49:00","guid":{"rendered":"https:\/\/www.mejoratudeuda.es\/segunda-oportunidad\/"},"modified":"2024-02-14T10:03:12","modified_gmt":"2024-02-14T09:03:12","slug":"segunda-oportunidad","status":"publish","type":"page","link":"https:\/\/www.mejoratudeuda.es\/en\/second-opportunity\/","title":{"rendered":"Second opportunity"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"1091\" class=\"elementor elementor-1091\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-725f217 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"725f217\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-908f682\" data-id=\"908f682\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-efd6701 elementor-widget__width-auto elementor-mobile-align-center elementor-widget-mobile__width-auto elementor-widget elementor-widget-breadcrumbs\" data-id=\"efd6701\" data-element_type=\"widget\" data-widget_type=\"breadcrumbs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p id=\"breadcrumbs\"><span><span><a href=\"https:\/\/www.mejoratudeuda.es\/en\">Start<\/a><\/span><\/span><\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e7d07d3 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"e7d07d3\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Second opportunity<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2138d05 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"2138d05\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d4d177d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d4d177d\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-11f37c3\" data-id=\"11f37c3\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4737c90 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"4737c90\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\nWho is it addressed to?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-33c0eac elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"33c0eac\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5094fe4 elementor-widget elementor-widget-text-editor\" data-id=\"5094fe4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>All natural persons: individuals, families, self-employed workers, pensioners, businessmen, entrepreneurs... who are in a situation of insolvency, that is, they cannot pay their debts.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-397b26b elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"397b26b\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What does it consist of?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9a8dede elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"9a8dede\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e10e068 elementor-widget elementor-widget-text-editor\" data-id=\"e10e068\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The process consists of three phases:<\/p><p>1 Extrajudicial Phase (AEP): called Extrajudicial Payment Agreement. It is a procedure that is processed to reach an agreement with creditors, as it allows you to make reductions up to 99% of the debt and deferrals\/waits of up to 10 years WITHOUT INTEREST.<\/p><p>2 What happens if the AEP is not approved? We would move on to the judicial phase, called Consecutive Competition. In this procedure, the debtor&#039;s assets (if any) would be liquidated and once said liquidation was completed, we would move on to the third phase.<\/p><p>3 Called BEPI, that is, Benefit of Exoneration of Unsatisfied Liabilities. Translated into vulgar terms, forgiveness of debts. If, on the contrary, the debtor did not have assets at this stage, there would be no liquidation, so the procedure would be opened and closed simultaneously and then forgiveness of the debts would be requested and granted.<\/p><p>Normally, if a debtor has assets and a minimum means of payment, it may be in their interest to reach a payment agreement in order to preserve their assets. Obviously a reduction and a postponement would have to be applied to attract creditors to accept the agreement. If, on the contrary, there were no assets, the extrajudicial payment agreement would be a way to achieve debt forgiveness.<\/p><p>The normal thing is that you will have many doubts about whether this process is convenient or not in your case. We will study your case without any commitment and will draw up the strategy that best suits your situation.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Segunda Oportunidad \u00bfA quie\u0301n va dirigido? Todas las personas fi\u0301sicas: particulares, familias, auto\u0301nomos, pensionistas, empresarios, emprendedores&#8230;. que se encuentren en una situacio\u0301n de insolvencia, es decir que no puedan hacer frente a sus deudas. \u00bfEn qu\u00e9 consiste? El proceso consta de tres fases: 1 Fase extrajudicial (AEP): denominado Acuerdo Extrajudicial de Pagos. Es un procedimiento [&hellip;]<\/p>","protected":false},"author":4,"featured_media":1094,"parent":0,"menu_order":7,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_joinchat":[],"footnotes":""},"class_list":["post-1091","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Segunda oportunidad | Mejora tu deuda<\/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.mejoratudeuda.es\/en\/second-opportunity\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Segunda oportunidad | Mejora tu deuda\" \/>\n<meta property=\"og:description\" content=\"Segunda Oportunidad \u00bfA quie\u0301n va dirigido? 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