{"id":5817,"date":"2025-06-10T12:10:00","date_gmt":"2025-06-10T10:10:00","guid":{"rendered":"http:\/\/martinezsanzabogados.com\/?p=5817"},"modified":"2026-04-22T10:52:14","modified_gmt":"2026-04-22T08:52:14","slug":"what-is-the-second-chance-law","status":"publish","type":"post","link":"https:\/\/martinezsanzabogados.com\/en\/what-is-the-second-chance-law\/","title":{"rendered":"\u00bfQu\u00e9 es la ley de Segunda Oportunidad y cu\u00e1les son sus requisitos en 2026?"},"content":{"rendered":"<p>En una econom\u00eda que puede volverse asfixiante para familias y aut\u00f3nomos, la Ley de la Segunda Oportunidad representa un salvavidas legal para quienes no pueden afrontar sus deudas. Esta ley, vigente en Espa\u00f1a desde 2015 y reformada en varias ocasiones (la \u00faltima de ellas en 2022), permite cancelar parte o la totalidad de las deudas a personas f\u00edsicas de buena fe. En este art\u00edculo, analizamos su funcionamiento actualizado a 2026, sus requisitos y las novedades m\u00e1s relevantes.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What is the Second Chance Law?<\/strong><\/h2>\n\n\n\n<p><strong>The Second Chance Law (LSO) is a simplified insolvency procedure that allows individuals and the self-employed to cancel their debts if they meet certain requirements. It aims to give insolvent individuals a financial \u00absecond chance\u00bb, allowing them to start afresh without the burden of debt.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Who is it aimed at?<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Individuals (including people on salary, benefits or unemployed).<\/li>\n\n\n\n<li>Self-employed and self-employed professionals.<\/li>\n<\/ul>\n\n\n\n<p>It is not intended for companies, although the self-employed can benefit from it in the context of their economic activity.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Requisitos actualizados en 202<\/strong>6<\/h2>\n\n\n\n<p>In order to benefit from the Second Chance Law in its reformed version, it is necessary to fulfil the following criteria:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Being a natural person<\/strong>, whether employed, unemployed or self-employed.<\/li>\n\n\n\n<li><strong>Being in a situation of current or imminent insolvency<\/strong>, without the capacity to pay.<\/li>\n\n\n\n<li><strong>Have debts to at least two different creditors.<\/strong><\/li>\n\n\n\n<li><strong>Debts must not exceed EUR 5 million.<\/strong><\/li>\n\n\n\n<li><strong>Not having been a beneficiary of the LSO in the last 10 years.<\/strong><\/li>\n\n\n\n<li><strong>Not having committed socio-economic crimes<\/strong> (against the Treasury, Social Security, assets, etc.) in the last decade.<\/li>\n\n\n\n<li><strong>Acting in good faith<\/strong>, This means cooperating with the judge and not concealing information or assets.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Phases of the Second Chance Law procedure<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. Court application<\/strong><\/h3>\n\n\n\n<p>An attempt to reach an out-of-court settlement with creditors, as was the case before 2022, is no longer mandatory. The application is submitted directly to the relevant court.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. Liquidation (if there are assets)<\/strong><\/h3>\n\n\n\n<p>If assets exist, they are liquidated to satisfy part of the debt.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3. Waiver of Unsatisfied Liabilities (BEPI)<\/strong><\/h3>\n\n\n\n<p>It is the judicial cancellation of debts that could not be satisfied from the debtor's assets.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4. Monitoring and maintenance of the exemption<\/strong><\/h3>\n\n\n\n<p>For a period of up to 5 years, the debtor must maintain certain commitments. In case of substantial improvement of his financial situation, the creditors may request a review.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Novedades m\u00e1s relevantes (2022\u20132026)<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Faster procedure<\/strong>Many resolutions are obtained in 2 to 4 months.<\/li>\n\n\n\n<li><strong>Increased automation<\/strong> and simplification of the process.<\/li>\n\n\n\n<li><strong>Partial waiver of public debts<\/strong>up to 10,000 euros with the tax authorities and social security can be cancelled.<\/li>\n\n\n\n<li><strong>Greater security for the debtor<\/strong> against foreclosures and attachments.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What debts can be cancelled?<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Debts that are exempted:<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Personal loans<\/li>\n\n\n\n<li>Credit cards<\/li>\n\n\n\n<li>Microcredits<\/li>\n\n\n\n<li>P2p or peer-to-peer lending<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Public debts (partly):<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Tax and Social Security (up to 10,000 euros in total, 5,000 euros per entity)<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Debts that are not waived:<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Maintenance payments<\/li>\n\n\n\n<li>Administrative fines<\/li>\n\n\n\n<li>Indemnities for civil liability<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Benefits for the debtor<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Immediate halt to seizures<\/li>\n\n\n\n<li>Economic and psychological relief<\/li>\n\n\n\n<li>Recovery of professional activity<\/li>\n\n\n\n<li>Financial and personal fresh start<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Frequently Asked Questions (FAQ)<\/strong><\/h2>\n\n\n\n<p><strong>When was the last reform?<\/strong><\/p>\n\n\n\n<p>The last substantial reform of the Second Chance Law was implemented within the Bankruptcy Law 16\/2022, published on 5 September 2022 and in force since 26 September 2022.<\/p>\n\n\n\n<p><strong>How long does the process take?<\/strong><strong><br><\/strong>3 to 6 months, depending on whether or not there are assets to liquidate.<\/p>\n\n\n\n<p><strong>Can I lose my primary residence?<\/strong><strong><br><\/strong>It depends on whether there is a mortgage and the level of income. In some cases it is possible to keep it.<\/p>\n\n\n\n<p><strong>How many times can LSO be applied for?<br><\/strong>Once every 10 years.<\/p>\n\n\n\n<p><strong>Is it published in official gazettes or registers?<br><\/strong>Yes, although after 5 years cancellation of annotations can be requested.<\/p>\n\n\n\n<p>Do not doubt that at Mart\u00ednez Sanz Abogados we will give you the best solution if you contact one of our lawyers. <a href=\"https:\/\/martinezsanzabogados.com\/en\/legal-services\/bankruptcy-law\/exoneration-of-unsatisfied-liabilities\/\">lawyers in Second Chance Law<\/a>. <\/p>\n\n\n\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>The Second Chance Law is regulated by Royal Decree 1\/2015 and its purpose is to provide facilities to the debtor in insolvency. In other words, this well-known law activates an administrative process that helps to negotiate with creditors. <\/p>","protected":false},"author":5,"featured_media":9949,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[710],"tags":[157,227,264,280],"class_list":["post-5817","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-informacion-de-interes","tag-deudor-insolvente","tag-ley-de-segunda-oportunidad","tag-proceso-administrativo","tag-requisitos-deudor-y-acreedor"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u00bfQu\u00e9 es la ley de Segunda Oportunidad y cu\u00e1les son sus requisitos en 2026? - Mart\u00ednez Sanz Abogados<\/title>\n<meta name=\"description\" content=\"La Ley de Segunda Oportunidad pretende conseguir el equilibrio entre deudor y acreedor para facilitar una nueva reestructuraci\u00f3n de la deuda.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/martinezsanzabogados.com\/en\/what-is-the-second-chance-law\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u00bfQu\u00e9 es la ley de Segunda Oportunidad y cu\u00e1les son sus requisitos en 2026? 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