Spain’s second-chance framework includes debt relief mechanisms for eligible individuals. It does not automatically remove every obligation.
The type of debt matters
Insolvency law sets requirements, limits and exceptions. Certain civil liabilities, maintenance obligations and public debt receive specific treatment that must be examined individually.
Preparing an assessment
Gather a list of creditors, amounts, income, assets and ongoing proceedings. A complete picture avoids assessing the situation from a single debt.
The next step
A consultation can assess possible routes, missing documents and potential effects. Debt relief cannot be promised without that analysis.
Source: Spanish consolidated Insolvency Act.
General information. Every matter requires an individual assessment.