{"id":25931,"date":"2024-07-05T14:04:45","date_gmt":"2024-07-05T13:04:45","guid":{"rendered":"https:\/\/pich.bnfix.com\/mecanismo-de-segunda-oportunidad-para-deudores-requisitos-para-acogerse-y-algunas-reflexiones\/"},"modified":"2025-03-18T15:15:10","modified_gmt":"2025-03-18T14:15:10","slug":"mecanismo-de-segunda-oportunidad-para-deudores-requisitos-para-acogerse-y-algunas-reflexiones","status":"publish","type":"post","link":"https:\/\/pich.bnfix.com\/ca\/mecanismo-de-segunda-oportunidad-para-deudores-requisitos-para-acogerse-y-algunas-reflexiones\/","title":{"rendered":"Mecanisme de segona oportunitat per a deutors: requisits per a acollir-se i algunes reflexions"},"content":{"rendered":"<section  class='av_textblock_section av-ly8lrsav-c46b7c5f2303ec00ed8b281cd40622dd '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><h2>Mecanisme de segona oportunitat per a deutors: requisits per a acollir-se i algunes reflexions<\/h2>\n<\/div><\/section>\n<section  class='av_textblock_section av-m7lum2p7-4c20f990edb70fa94c80ae32745c1bc4 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><p style=\"text-align: right;\"><span style=\"color: #78b64d;\">5 juliol, 2024<\/span><\/p>\n<hr \/>\n<\/div><\/section>\n<div  class='avia-slideshow av-ly8lt1al-6fbd0e1b16c8ad918a21b32dc8f9730f avia-slideshow-featured av_slideshow avia-slide-slider  avia-builder-el-2  el_after_av_textblock  el_before_av_hr  av-slideshow-ui av-control-default av-slideshow-manual av-loop-once av-loop-manual-endless av-default-height-applied avia-slideshow-1' data-slideshow-options=\"{&quot;animation&quot;:&quot;slide&quot;,&quot;autoplay&quot;:false,&quot;loop_autoplay&quot;:&quot;once&quot;,&quot;interval&quot;:5,&quot;loop_manual&quot;:&quot;manual-endless&quot;,&quot;autoplay_stopper&quot;:false,&quot;noNavigation&quot;:false,&quot;bg_slider&quot;:false,&quot;keep_padding&quot;:false,&quot;hoverpause&quot;:false,&quot;show_slide_delay&quot;:0}\"  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><ul class='avia-slideshow-inner ' style='padding-bottom: 28.666666666667%;'><li  class='avia-slideshow-slide av-ly8lt1al-6fbd0e1b16c8ad918a21b32dc8f9730f__0  av-single-slide slide-1 slide-odd'><div data-rel='slideshow-1' class='avia-slide-wrap '   ><img fetchpriority=\"high\" decoding=\"async\" loading=\"eager\" class=\"wp-image-25918 avia-img-lazy-loading-not-25918\"  src=\"https:\/\/pich.bnfix.com\/wp-content\/uploads\/2024\/07\/pexels-sora-shimazaki-5673488_segunda_oportunidad_-acuerdo-1500x430.jpg\" width=\"1500\" height=\"430\" title='Ley de Segunda Oprtunidad: unas reflexiones' alt='Dos personas se dan la mano en se\u00f1al de acuerdo'  itemprop=\"thumbnailUrl\"   \/><\/div><\/li><\/ul><\/div>\n<div  class='hr av-awd7nv-cda946670646a5959f453cfad5ea954f hr-default  avia-builder-el-3  el_after_av_slideshow  el_before_av_button '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n<div  class='avia-button-wrap av-2dflksr-9bfe0ca88a380942cf69aea3a77b16f8-wrap avia-button-center  avia-builder-el-4  el_after_av_hr  el_before_av_hr '><a href='https:\/\/pich.bnfix.com\/wp-content\/uploads\/2024\/07\/2024-07-05-Circular-mecanismo-legal-de-segunda-oportunidad.pdf'  class='avia-button av-2dflksr-9bfe0ca88a380942cf69aea3a77b16f8 av-link-btn avia-icon_select-yes-left-icon avia-size-small avia-position-center avia-color-theme-color'  target=\"_blank\"  rel=\"noopener noreferrer\"  aria-label=\"Circular en pdf\"><span class='avia_button_icon avia_button_icon_left avia-iconfont avia-font-entypo-fontello' data-av_icon='\ue823' data-av_iconfont='entypo-fontello' ><\/span><span class='avia_iconbox_title' >Circular en pdf<\/span><\/a><\/div>\n<div  class='hr av-1yqlxt7-0be51cec373b88e9d0f62f77a0ea7189 hr-default  avia-builder-el-5  el_after_av_button  el_before_av_textblock '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n<section  class='av_textblock_section av-ly8ltzm2-d48b9f4b89ca01c4fe16611eab0bb75f '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><p>En un entorn econ\u00f2mic en constant canvi, tant les empreses com els particulars poden enfrontar-se a dificultats financeres significatives. En aquests casos, el concurs de creditors \u00e9s un mecanisme legal crucial per a abordar aquestes situacions. En aquest sentit, e<strong>l mecanisme de Segona Oportunitat, regulat a Espanya des de 2015<\/strong>, ofereix un respir important per a aquelles persones que, malgrat els seus esfor\u00e7os, no poden fer front als deutes.<\/p>\n<p><span data-contrast=\"auto\"><strong>El concurs de creditors \u00e9s un procediment judicial<\/strong> dissenyat per a reestructurar i, si \u00e9s el cas, liquidar el patrimoni d&#8217;una persona o entitat en situaci\u00f3 d&#8217;insolv\u00e8ncia. Per a les persones f\u00edsiques, <strong>el proc\u00e9s permet ordenar els seus deutes sota la supervisi\u00f3 d&#8217;un jutge i, en alguns casos, arribar a acords amb els creditors.<\/strong><\/span><\/p>\n<p>El mecanisme \u00e9s, doncs, una via per a exonerar-se dels deutes que no poden pagar, sota unes certes condicions. L&#8217;objectiu \u00e9s evitar la perpetuaci\u00f3 del deute i permetre a les persones comen\u00e7ar de nou econ\u00f2micament. En tot cas, \u00e9s clau que el deutor actu\u00ef de bona fe, la qual cosa implica no ocultar informaci\u00f3 crucial per al procediment i que el deutor no hagi realitzat intencionadament cap acci\u00f3 que hagi agreujat la situaci\u00f3 d&#8217;insolv\u00e8ncia en la qual es troba.<\/p>\n<p>Aix\u00ed doncs, <strong>els requisits per a acollir-se al mecanisme s\u00f3n:<\/strong><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Ser persona f\u00edsica.<\/span><span data-ccp-props=\"{\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Tenir m\u00e9s d&#8217;un acreedor.<\/span><span data-ccp-props=\"{\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{\" aria-setsize=\"-1\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Estar en situaci\u00f3 d&#8217;insolv\u00e8ncia.<\/span><span data-ccp-props=\"{\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{\" aria-setsize=\"-1\" data-aria-posinset=\"4\" data-aria-level=\"1\"><span data-contrast=\"auto\">No tenir antecedents per delictes socio-econ\u00f2mics amb una condemna superior a 3 anys.<\/span><span data-ccp-props=\"{\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{\" aria-setsize=\"-1\" data-aria-posinset=\"5\" data-aria-level=\"1\"><span data-contrast=\"auto\">Ser deudor de bona fe.<\/span><span data-ccp-props=\"{\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{\" aria-setsize=\"-1\" data-aria-posinset=\"6\" data-aria-level=\"1\"><span data-contrast=\"auto\">Col\u00b7laborar amb el jutjat.<\/span><span data-ccp-props=\"{\">\u00a0<\/span><\/li>\n<\/ul>\n<p>Aquestes eines legals conviden a la reflexi\u00f3, tant a les empreses com a les persones f\u00edsiques, sobre <strong>la import\u00e0ncia de comprendre que la prevenci\u00f3 i gesti\u00f3 primerenca de les dificultats financeres pot evitar un col\u00b7lapse total i facilitar una reestructuraci\u00f3 efectiva.<\/strong><\/p>\n<p>No obstant aix\u00f2, l&#8217;actual configuraci\u00f3 del mecanisme de segona oportunitat suscita diversos dubtes quant a que aquest sigui satisfactori per a totes les parts, deutor i creditor.<\/p>\n<p>Si b\u00e9 fins ara no comptem amb estad\u00edstiques precises, la veritat \u00e9s que, en la majoria dels procediments d&#8217;exoneraci\u00f3 de deutes, <strong>s\u00f3n els creditors privats els qui es veuen perjudicats i sobre els qui recau l&#8217;esfor\u00e7 de la segona oportunitat<\/strong> a causa de les limitacions de la seva posici\u00f3 creditora dins del procediment concursal.<\/p>\n<p><span data-ccp-props=\"{\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\"><strong>El mecanisme de segona oportunitat \u00e9s un instrument valu\u00f3s<\/strong> que l&#8217;ordenament jur\u00eddic posa a la disposici\u00f3 dels deutors, per\u00f2 sobre el qual<strong> les empreses deuen, en general, prestar gran atenci\u00f3<\/strong><\/span><span data-contrast=\"auto\"> per a fer valer tamb\u00e9 els seus drets com a creditors i <strong>evitar que l&#8217;\u00fas irresponsable d&#8217;aquesta eina repercuteixi en la seva estabilitat financera.<\/strong><\/span><\/p>\n<p>Aprofitem per a recomanar-los la lectura de la nova Guia de la segona oportunitat del Consell General d&#8217;Economistes, presentada el 3 de juliol i que, a m\u00e9s d&#8217;abordar la seva regulaci\u00f3, inclou deu dels sup\u00f2sits i q\u00fcestions habituals, analitzats de manera pr\u00e0ctica i clara, aix\u00ed com les \u00faltimes novetats doctrinals i jurisprudencials en la mat\u00e8ria a nivell nacional i internacional. La publicaci\u00f3 vol ajudar al professional de la insolv\u00e8ncia a l&#8217;hora d&#8217;abordar la seva problem\u00e0tica i aclarir els seus dubtes en la seva aplicaci\u00f3 pr\u00e0ctica.<\/p>\n<\/div><\/section>\n<div  class='hr av-1kg59zf-696f65137623b3209b86c4cde0b44d35 hr-default  avia-builder-el-7  el_after_av_textblock  el_before_av_button '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n<div  class='avia-button-wrap av-ly8m8yp5-ec8b58e0340a83b69e7bf4207420b021-wrap avia-button-center  avia-builder-el-8  el_after_av_hr  el_before_av_hr '><a href='https:\/\/pich.bnfix.com\/wp-content\/uploads\/2024\/07\/Guia-Refor-CGE-Segunda-oportunidad.pdf'  class='avia-button av-ly8m8yp5-ec8b58e0340a83b69e7bf4207420b021 av-link-btn avia-icon_select-yes-left-icon avia-size-small avia-position-center av-icon-on-hover avia-color-theme-color'  target=\"_blank\"  rel=\"noopener noreferrer\"  aria-label=\"Segona oportunitat. Guia i casos pr\u00e0ctics.\"><span class='avia_button_icon avia_button_icon_left avia-iconfont avia-font-entypo-fontello' data-av_icon='\ue823' data-av_iconfont='entypo-fontello' ><\/span><span class='avia_iconbox_title' >Segona oportunitat. Guia i casos pr\u00e0ctics.<\/span><\/a><\/div>\n<div  class='hr av-1alf7rf-7447a1a74e2153c5c61d77d0cb0090a0 hr-default  avia-builder-el-9  el_after_av_button  el_before_av_one_fifth '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n<div  class='flex_column av-l8rujh-0247b2b137a307ca8f339e0227204d0b av_one_fifth  avia-builder-el-10  el_after_av_hr  el_before_av_hr  first flex_column_div  '     ><section  class='avia-team-member av-ly8m0213-bdb3bff8865f05663c32b5beadb5f2e2  avia-builder-el-11  avia-builder-el-no-sibling '  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/Person\" ><div class=\"team-img-container\"><img decoding=\"async\" fetchpriority=\"high\" class='wp-image-21638 avia-img-lazy-loading-not-21638 avia_image avia_image_team' src=\"https:\/\/pich.bnfix.com\/wp-content\/uploads\/Victor_Bueno_BN-845x1030.jpg\" alt='V\u00edctor Bueno'  itemprop=\"image\"   height=\"1030\" width=\"845\" srcset=\"https:\/\/pich.bnfix.com\/wp-content\/uploads\/Victor_Bueno_BN-845x1030.jpg 845w, https:\/\/pich.bnfix.com\/wp-content\/uploads\/Victor_Bueno_BN-246x300.jpg 246w, https:\/\/pich.bnfix.com\/wp-content\/uploads\/Victor_Bueno_BN-768x936.jpg 768w, https:\/\/pich.bnfix.com\/wp-content\/uploads\/Victor_Bueno_BN-1260x1536.jpg 1260w, https:\/\/pich.bnfix.com\/wp-content\/uploads\/Victor_Bueno_BN-1680x2048.jpg 1680w, https:\/\/pich.bnfix.com\/wp-content\/uploads\/Victor_Bueno_BN-1230x1500.jpg 1230w, https:\/\/pich.bnfix.com\/wp-content\/uploads\/Victor_Bueno_BN-254x310.jpg 254w, https:\/\/pich.bnfix.com\/wp-content\/uploads\/Victor_Bueno_BN-450x549.jpg 450w, https:\/\/pich.bnfix.com\/wp-content\/uploads\/Victor_Bueno_BN-164x200.jpg 164w, https:\/\/pich.bnfix.com\/wp-content\/uploads\/Victor_Bueno_BN.jpg 1890w\" sizes=\"(max-width: 845px) 100vw, 845px\" \/><\/div><h3 class='team-member-name '  itemprop=\"name\" >V\u00edctor Bueno<\/h3><div class='team-member-job-title '  itemprop=\"jobTitle\" >victor.bueno@pich.bnfix.com<\/div><div class='team-member-description '  itemprop=\"description\" ><p>\u00c1rea Legal<br \/>\nBNFIX PICH TAX LEGAL<\/p>\n<\/div><span class='hidden team-member-affiliation'  itemprop=\"affiliation\" >PICH BNFIX<\/span><\/section><\/div>\n<div  class='hr av-lnyeh7-376de50cb85d6f1d24e586392d6cca32 hr-default  avia-builder-el-12  el_after_av_one_fifth  el_before_av_textblock '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n<section  class='av_textblock_section av-lycsmu07-2bfaa150e91f99c0fcaf6839f3620dde '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><p>(\ud83d\udcf8Imagen de Sora Shimazaki para Pexels)<\/p>\n<\/div><\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":2,"featured_media":25919,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[156,157],"tags":[249,835],"class_list":["post-25931","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-circulares-ca","category-comunicacion-ca","tag-derecho-concursal-ca","tag-segunda-oportunidad-ca"],"_links":{"self":[{"href":"https:\/\/pich.bnfix.com\/ca\/wp-json\/wp\/v2\/posts\/25931","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pich.bnfix.com\/ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pich.bnfix.com\/ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pich.bnfix.com\/ca\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/pich.bnfix.com\/ca\/wp-json\/wp\/v2\/comments?post=25931"}],"version-history":[{"count":12,"href":"https:\/\/pich.bnfix.com\/ca\/wp-json\/wp\/v2\/posts\/25931\/revisions"}],"predecessor-version":[{"id":27834,"href":"https:\/\/pich.bnfix.com\/ca\/wp-json\/wp\/v2\/posts\/25931\/revisions\/27834"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/pich.bnfix.com\/ca\/wp-json\/wp\/v2\/media\/25919"}],"wp:attachment":[{"href":"https:\/\/pich.bnfix.com\/ca\/wp-json\/wp\/v2\/media?parent=25931"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pich.bnfix.com\/ca\/wp-json\/wp\/v2\/categories?post=25931"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pich.bnfix.com\/ca\/wp-json\/wp\/v2\/tags?post=25931"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}