Lozano Abogados - Tu despacho de abogados en Cartagena

With an experience of veincinco years, in the sector of the legal profession, and with the aim of providing a specialized services and customized specialized in the field of LAW OF BANKRUPTCY AND SECOND CHANCE we put all our resources at the service of the customer, bringing to each case a high degree of professionalism and confidentiality, putting at your disposal a specialist Lawyer offering a exclusive and personalized service, face-to-face in our office in Cartagena, direct contact via phone or e-mail, knowing our clients from the first consultation to solve the problem, adapting to the circumstances of each particular case requires, by adjusting our work to the ethical standards and ethics of the legal profession.

Second chance

What is the mechanism of the Second Chance?

The Second Chance act it offers to individuals and self-employed persons, the possibility to renegotiate or cancel your debts. If you are in a situation of over-indebtedness or insolvencythis law can be your solution to get ahead and deal with your financial obligations.

To welcome you to this legal mechanism that facilitates the cancellation of debts to the Second Chance act you can start again, removing part or all of your debts, provided that you comply with certain legal requirements. It is a tool designed so that you can rebuild your financial life and regain your financial stability after passing through difficult times.

With the Second Chance act you have the possibility of restructure your debts if you have owned a property that is your usual home, through a payment plan approved by the judge of the contest and the insolvency administrator. This plan will allow you to postpone the payment of a significant percentage of the debt over the term of five years, and so gain time and to manage your debts without the constant pressure of the creditors, rising foreclosures and archivándose the processes of judicial execution that are in the pipeline. With this procedure you will be able to breathe a sigh of relief knowing that you have a time limit to recover financially and take control of your finances. It is your chance to give a twist to your financial situation.