The Second Chance Law is the legal mechanism that allows individuals and self-employed people in good faith to free themselves from debts they cannot afford, through the discharge of unsatisfied liabilities. The procedure has been simplified in recent years, but it continues to have significant consequences on assets: depending on the asset situation and the legally viable path, the primary residence can be preserved or may be subject to liquidation for the payment of creditors.
This is why Horizonte Legal works with a fixed method: before filing any lawsuit, a prior feasibility and risk study analyzes the debt, income, assets, and legal alternatives. With this snapshot, it is decided whether it makes more sense to seek a negotiation route with creditors or proceed directly with the Second Chance Law, and with what payment plan. The goal is for the person to know, with clear and written fees, what to expect before starting.
“"Not all cases should be processed the same way. When a property is involved, studying whether it is safer to negotiate or seek discharge can make the difference between keeping the home or exposing it to possible liquidation."
The firm handles debts with banks, financial institutions, the Tax Agency, and Social Security, as well as wage garnishments, bank account freezes, and creditor claims, for both individuals and self-employed people who have closed their businesses or wish to continue operating. The interaction is direct with the lawyer, without impersonal structures, and initial assessments are conducted both at the Cornellà office and online for all of Spain.
Individuals who wish to know if their case is viable can request an initial assessment through the Horizonte Legal website.
