A second chance that pays off debts and changes lives

The Second Chance Law in Spain allows individuals, self-employed workers, and small business owners to free themselves from debts they cannot afford, but the process can affect their mental and emotional well-being. Therefore, having good advice is key to avoiding extreme situations in which an individual must face debts they cannot pay. In this context, it is important to receive personalized, humane attention with a committed legal approach, such as that of VuelveAEmpezar.com. This platform, with 20 years of experience, is supported by the firm. Allura and Peimondt, a firm specializing in bankruptcy law based in Terrassa, which handles all its cases nationwide. Today, they've managed to forgive their clients up to €15 million.

A human support

The company was born out of a family insolvency situation involving one of the founders, who decided to specialize in this field to avoid losing his home and the family business. That's why the company emphasizes that the Second Chance Law is not just a way to pay off debts, but a matter of mental health and dignity. VuelveAEmpezar.com, which has 500 files managed, proposes a hybrid model: the entire process can be carried out online, but with professional lawyers They provide complete follow-up from the beginning, without external managers who lack legal training or automated platform jumps.

If a secure legal path is not followed, making serious errors in the process can put the applicant in complicated situations, such as the loss of family assets, avoidable seizures, or judicial rejections due to poor file preparation. More and more people are benefiting from this second chance thanks to the VuelveAEmpezar.com method, with a success rate of over 98%.

In addition, the company offers the first diagnosis of the case free of charge and without any obligation, to cover all those situations in which someone needs to appeal to the Second Chance Law. For example, companies that have closed and were run by self-employed individuals who are left with the debts or, along the same lines, individuals who decided to guarantee the businesses of close people and these go bankrupt. Other cases involve individuals who have accumulated debts with interest without realizing the magnitude and must later respond with their property. In all cases, these individuals find themselves in complex circumstances and require significant legal and emotional support, in addition to achieving a favorable judicial outcome.

Requirements for qualifying for the Second Chance Law

The VuelveAEmpezar.com platform offers its services throughout Spain. To begin a legal process, the portal offers a free form to assess whether the interested party qualifies for the Second Chance Law. To qualify for this service, the following are required: to be an individual (individual or self-employed), to ensure that the debts cannot be assumed with the current income and financial situation, to not have been convicted of serious economic crimes, and to have attempted to reach an out-of-court settlement with creditors. Furthermore, the law requires that the individual must have acted in good faith, meaning they must have tried to settle their debts whenever possible. Finally, the firm does not recommend initiating proceedings if the debt is less than €7,000. Once the applicant has been verified as meeting the requirements, the company also offers the option of obtaining all the necessary documentation with the help of a quality agent and a lawyer who will constantly inform the client.

With a base rate of €99 per month, which includes the professionals' work and expenses, they offer a quality service at an affordable price. They also offer subsidized plans for different client profiles, such as marriage grants, family responsibilities, vulnerable situations, or advance payments. Given the complex situation faced by those wishing to request this service, VuelveAEmpezar.com offers an advisory process to help them plan their financial situation, as well as a possible price adjustment.