{"id":1575,"date":"2025-01-09T15:43:12","date_gmt":"2025-01-09T14:43:12","guid":{"rendered":"https:\/\/dsmconcursal.es\/second-chance-law\/"},"modified":"2025-04-23T13:57:15","modified_gmt":"2025-04-23T11:57:15","slug":"second-chance-law","status":"publish","type":"page","link":"https:\/\/dsmconcursal.es\/en\/second-chance-law\/","title":{"rendered":"Second Chance Law"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1575\" class=\"elementor elementor-1575 elementor-444\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8d33c8b e-flex e-con-boxed e-con e-parent\" data-id=\"8d33c8b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-be34ce3 e-con-full e-flex e-con e-child\" data-id=\"be34ce3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-842e536 e-con-full e-flex e-con e-child\" data-id=\"842e536\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d89fb9c elementor-widget elementor-widget-heading\" data-id=\"d89fb9c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Second Chance Law\n<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ebb3776 e-con-full elementor-hidden-tablet elementor-hidden-mobile e-flex e-con e-child\" data-id=\"ebb3776\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8f6d7b8 e-flex e-con-boxed e-con e-parent\" data-id=\"8f6d7b8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-457b927 e-con-full e-flex e-con e-child\" data-id=\"457b927\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-9e1a38a e-con-full e-flex e-con e-child\" data-id=\"9e1a38a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-0de321a e-con-full e-flex e-con e-child\" data-id=\"0de321a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f8add8d elementor-widget elementor-widget-heading\" data-id=\"f8add8d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">How often do you receive garnishments on your bank account? <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b263ae8 elementor-widget elementor-widget-text-editor\" data-id=\"b263ae8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If your salary or pension is garnished, if your bank account is garnished from time to time, if you are unable to cover all your loans, you should know that there is a solution to all of these problems through the application of the Second Chance Law.<\/p><p>At DSM we are specialists in the processing of this law, obtaining the elimination of debts with a 100% success rate in all cases. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5998883 elementor-widget elementor-widget-button\" data-id=\"5998883\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/dsmconcursal.es\/en\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Ask for advice<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e5e00e9 e-con-full e-flex e-con e-child\" data-id=\"e5e00e9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-02e5db7 elementor-widget elementor-widget-image\" data-id=\"02e5db7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1064\" height=\"1268\" src=\"https:\/\/dsmconcursal.es\/wp-content\/uploads\/2025\/03\/6.jpg\" class=\"attachment-full size-full wp-image-1615\" alt=\"\" srcset=\"https:\/\/dsmconcursal.es\/wp-content\/uploads\/2025\/03\/6.jpg 1064w, https:\/\/dsmconcursal.es\/wp-content\/uploads\/2025\/03\/6-252x300.jpg 252w, https:\/\/dsmconcursal.es\/wp-content\/uploads\/2025\/03\/6-859x1024.jpg 859w, https:\/\/dsmconcursal.es\/wp-content\/uploads\/2025\/03\/6-768x915.jpg 768w\" sizes=\"(max-width: 1064px) 100vw, 1064px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5622630 e-flex e-con-boxed e-con e-parent\" data-id=\"5622630\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-ea83391 e-con-full e-flex e-con e-child\" data-id=\"ea83391\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-daab48c e-con-full e-flex e-con e-child\" data-id=\"daab48c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c9ac97f elementor-widget elementor-widget-image\" data-id=\"c9ac97f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1064\" height=\"1268\" src=\"https:\/\/dsmconcursal.es\/wp-content\/uploads\/2025\/03\/2.jpg\" class=\"attachment-full size-full wp-image-1597\" alt=\"\" srcset=\"https:\/\/dsmconcursal.es\/wp-content\/uploads\/2025\/03\/2.jpg 1064w, https:\/\/dsmconcursal.es\/wp-content\/uploads\/2025\/03\/2-252x300.jpg 252w, https:\/\/dsmconcursal.es\/wp-content\/uploads\/2025\/03\/2-859x1024.jpg 859w, https:\/\/dsmconcursal.es\/wp-content\/uploads\/2025\/03\/2-768x915.jpg 768w\" sizes=\"(max-width: 1064px) 100vw, 1064px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a143d56 e-con-full e-flex e-con e-child\" data-id=\"a143d56\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-a32e039 e-con-full e-flex e-con e-child\" data-id=\"a32e039\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-322d1a6 elementor-widget elementor-widget-heading\" data-id=\"322d1a6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Why should the Second Chance Act be dealt with by DSM?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a72b946 elementor-widget elementor-widget-text-editor\" data-id=\"a72b946\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>At DSM, we study all matters free of charge in advance and only take on those which, according to our extensive experience, we believe can be achieved by eliminating all debts.<\/p><p>DSM&#8217;s legal department has achieved successful cases in which the main residence has been saved and cases in which a debt of two million euros has been eliminated, among the different procedures that have been handled and in which the extensive experience in insolvency procedures has been essential.<br data-mce-bogus=\"1\"><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0206572 elementor-widget elementor-widget-button\" data-id=\"0206572\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/dsmconcursal.es\/en\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Ask for advice<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-97bfa25 e-flex e-con-boxed e-con e-parent\" data-id=\"97bfa25\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-febd689 e-con-full e-flex e-con e-child\" data-id=\"febd689\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-d89a476 e-con-full e-flex e-con e-child\" data-id=\"d89a476\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-42582a5 e-con-full e-flex e-con e-child\" data-id=\"42582a5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-28ffda3 elementor-widget elementor-widget-heading\" data-id=\"28ffda3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Stages of the process<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ef3f9d0 elementor-widget elementor-widget-text-editor\" data-id=\"ef3f9d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Each case is unique, so we will make sure that we adapt to your specific needs, with a close and transparent approach.<\/p><p>Our sole objective is to offer a solution that alleviates your financial situation, being at your side at all times.<\/p><p>At DSM insolvency &amp; finance, you will have a professional team that will accompany you at all times and guide you through the entire process:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-358be3e elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-button\" data-id=\"358be3e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/dsmconcursal.es\/en\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Ask for advice<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bc929ec e-con-full e-flex e-con e-child\" data-id=\"bc929ec\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f29d42f elementor-view-framed elementor-shape-rounded elementor-widget__width-initial elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"f29d42f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"Capa_1\" x=\"0px\" y=\"0px\" viewBox=\"0 0 25 25\" style=\"enable-background:new 0 0 25 25;\" xml:space=\"preserve\"><g>\t<path d=\"M21.4,1.1H3.6c-1.4,0-2.5,1.1-2.5,2.5v12.9c0,1.4,1.1,2.5,2.5,2.5H12v4H7.5v1h9.9v-1H13v-4h8.4c1.4,0,2.5-1.1,2.5-2.5V3.6  C23.9,2.2,22.8,1.1,21.4,1.1z M22.9,16.5c0,0.8-0.7,1.5-1.5,1.5H3.6c-0.8,0-1.5-0.7-1.5-1.5V3.6c0-0.8,0.7-1.5,1.5-1.5h17.9  c0.8,0,1.5,0.7,1.5,1.5V16.5z\"><\/path>\t<polygon points=\"13.5,9.8 11.5,7.8 7.8,11.5 8.5,12.2 11.5,9.2 13.5,11.2 17.2,7.5 16.5,6.8  \"><\/polygon><\/g><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tAttempt at out-of-court settlements\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tIt is initiated by submitting the application to a notary or a commercial registrar.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e6e2e55 elementor-view-framed elementor-shape-rounded elementor-widget__width-initial elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"e6e2e55\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"Capa_1\" x=\"0px\" y=\"0px\" viewBox=\"0 0 25 24\" style=\"enable-background:new 0 0 25 24;\" xml:space=\"preserve\"><path d=\"M16.7,0.6C13,0.6,9,1.4,9,3.2v0.5c-3.1,0-8.5,0.6-8.5,2.6v5.2c0,1.1,1.7,1.7,3.8,2.1c-1.6,0.4-2.8,1.1-2.8,2v5.1 c0,1.7,3.9,2.6,7.8,2.6s7.8-0.9,7.8-2.6v-4.6c3.7-0.1,7.3-1,7.3-2.6V3.2C24.5,1.4,20.5,0.6,16.7,0.6z M9,4.7v3.2 c-4.9,0-7.5-1.1-7.5-1.6S4.1,4.8,9,4.7z M1.5,11.5V7.6C3.2,8.5,6.7,8.8,9,8.9c0,0,0,0,0,0.1v4.2C4.3,13,1.7,12,1.5,11.5z M16.2,20.8 c0,0.6-2.4,1.6-6.8,1.6s-6.8-1.1-6.8-1.6V17c1.4,0.8,4.2,1.2,6.8,1.2s5.4-0.4,6.8-1.2V20.8z M9.4,17.2c-4.5,0-6.8-1.1-6.8-1.6 s2.3-1.6,6.8-1.6c4.5,0,6.8,1.1,6.8,1.6S13.9,17.2,9.4,17.2z M23.5,13.6c0,0.4-2.3,1.5-6.4,1.6c-0.6-1.3-3.8-2-7-2.1V9.8 c1.6,0.8,4.5,1.2,6.7,1.2c2.6,0,5.3-0.5,6.7-1.3V13.6z M23.5,8.4c0,0.4-2.3,1.6-6.7,1.6c-3.6,0-6.1-0.8-6.7-1.4V4.5 c1.4,0.8,4.1,1.2,6.7,1.2c2.6,0,5.3-0.4,6.7-1.2V8.4z M16.7,4.8c-4.2,0-6.7-1-6.7-1.6s2.5-1.6,6.7-1.6c4.2,0,6.7,1,6.7,1.6 S20.9,4.8,16.7,4.8z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tAn insolvency mediator is appointed\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tAn insolvency mediator is appointed who negotiates a payment plan with the creditors, which may include: Quitas and Esperas..\nIf the agreement is not possible or fails, it moves to the next stage.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-107fbc0 elementor-view-framed elementor-shape-rounded elementor-widget__width-initial elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"107fbc0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"Capa_1\" x=\"0px\" y=\"0px\" viewBox=\"0 0 25 25\" style=\"enable-background:new 0 0 25 25;\" xml:space=\"preserve\"><g>\t<path d=\"M23,22.9V9h-5v13.9h-3V13h-5v10H7v-6H2v6H0.5v1H2h5h3h5h3h5h1.5v-1H23V22.9z M6,22.9H3v-5h3V22.9z M14,22.9h-3v-9h3V22.9z   M22,22.9h-3V10h3V22.9z\"><\/path>\t<path d=\"M9.6,7.3c0.6,0.4,1.3,0.7,2,0.7c0.4,0,0.9-0.1,1.3-0.2c0.4-0.2,0.8-0.4,1.1-0.7l-0.6-0.5c-0.2,0.2-0.5,0.4-0.8,0.5  s-0.6,0.2-1,0.2c-0.6,0-1-0.1-1.5-0.4c-0.4-0.3-0.8-0.7-1-1.1h2.5V4.9H9c0-0.1,0-0.2,0-0.3s0-0.3,0-0.5h2.7V3.3H9.2  c0.2-0.5,0.5-0.8,1-1.1c0.4-0.3,0.9-0.4,1.5-0.4c0.3,0,0.7,0.1,1,0.2s0.6,0.3,0.8,0.5L14,1.9c-0.3-0.3-0.7-0.5-1.1-0.7  C12.5,1.1,12.1,1,11.7,1c-0.8,0-1.4,0.2-2,0.7s-1,1-1.3,1.7H7v0.8h1.2c0,0.1,0,0.2,0,0.3s0,0.3,0,0.4H7v0.8h1.4  C8.6,6.4,9,6.9,9.6,7.3z\"><\/path><\/g><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tArrangement with Creditors and Debt Exoneration\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tAn arrangement with creditors is declared in order to liquidate the debtor's assets. Once the assets have been sold, the debtor can apply for a discharge of unsatisfied liabilities (BEPI).\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a9949eb elementor-view-framed elementor-shape-rounded elementor-widget__width-initial elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"a9949eb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"Capa_1\" x=\"0px\" y=\"0px\" viewBox=\"0 0 25 25\" style=\"enable-background:new 0 0 25 25;\" xml:space=\"preserve\"><g>\t<path d=\"M12.2,13.2c0.4-0.3,0.9-0.4,1.5-0.4c0.3,0,0.7,0.1,1,0.2c0.3,0.1,0.6,0.3,0.8,0.5l0.6-0.5c-0.3-0.3-0.7-0.5-1.1-0.7  c-0.4-0.2-0.8-0.2-1.3-0.2c-0.8,0-1.4,0.2-2,0.7c-0.6,0.4-1,1-1.3,1.7H9v0.8h1.2c0,0.1,0,0.2,0,0.3c0,0.1,0,0.3,0,0.4H9v0.8h1.4  c0.2,0.7,0.7,1.2,1.3,1.7c0.6,0.4,1.3,0.7,2,0.7c0.4,0,0.9-0.1,1.3-0.2c0.4-0.2,0.8-0.4,1.1-0.7l-0.6-0.5c-0.2,0.2-0.5,0.4-0.8,0.5  c-0.3,0.1-0.6,0.2-1,0.2c-0.6,0-1-0.1-1.5-0.4c-0.4-0.3-0.8-0.7-1-1.1h2.5v-0.8H11c0-0.1,0-0.2,0-0.3c0-0.1,0-0.3,0-0.5h2.7v-0.8  h-2.5C11.4,13.9,11.8,13.5,12.2,13.2z\"><\/path>\t<path d=\"M12.5,0.9L1.9,11.4h3.8v12.5h13.5V11.4h3.8L12.5,0.9z M18.2,10.4v12.5H6.8V10.4H4.3l8.2-8.2l8.2,8.2H18.2z\"><\/path><\/g><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tApplication for exemption\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tDepending on the case, the exemption can be total and partial. If the debtor has no assets at his disposal, the proceedings can be terminated directly through an express insolvency proceeding.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dd3a5ac elementor-hidden-desktop elementor-widget elementor-widget-button\" data-id=\"dd3a5ac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/dsmconcursal.es\/en\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Request for advice<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-af9106f e-flex e-con-boxed e-con e-parent\" data-id=\"af9106f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-24cc191 e-con-full e-flex e-con e-child\" data-id=\"24cc191\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-5e7679a e-con-full e-flex e-con e-child\" data-id=\"5e7679a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-333aac9 elementor-widget elementor-widget-heading\" data-id=\"333aac9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Our Methodology<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5721407 elementor-widget elementor-widget-text-editor\" data-id=\"5721407\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>DSM will accompany you throughout the entire process, from the initial study of your case, to the preparation of the necessary documentation and throughout the process, resolving any doubts and concerns that may arise. <\/p><p>At DSM insolvency &amp; finance, you will have a professional team that will accompany you at all times and guide you through the entire process:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a431db8 e-con-full e-flex e-con e-child\" data-id=\"a431db8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-93e3aac e-con-full e-flex e-con e-child\" data-id=\"93e3aac\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a7cbf12 elementor-widget elementor-widget-heading\" data-id=\"a7cbf12\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Requirements and feasibility <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d4f25bc elementor-widget elementor-widget-text-editor\" data-id=\"d4f25bc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>First of all, we will study your case to see if you meet the legal requirements to benefit from this law.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bda20b9 e-con-full e-flex e-con e-child\" data-id=\"bda20b9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a229d19 elementor-widget elementor-widget-heading\" data-id=\"a229d19\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Processing of the necessary documentation<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ed1afbe elementor-widget elementor-widget-text-editor\" data-id=\"ed1afbe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>We take care of accompanying you and processing the necessary documentation to be able to present the claim to the court requesting the application of the 2nd Chance Law.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9c93bda e-con-full e-flex e-con e-child\" data-id=\"9c93bda\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fefa3f1 elementor-widget elementor-widget-heading\" data-id=\"fefa3f1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Waiver of all debts<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f656292 elementor-widget elementor-widget-text-editor\" data-id=\"f656292\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The entire procedure is followed up until all debts are exonerated and eliminated from the list of defaulters: we manage the removal of your name from the list of defaulters, ensuring that you will be able to access credit again in the future.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-91bb2a8 e-flex e-con-boxed e-con e-parent\" data-id=\"91bb2a8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-7dc0d1c e-con-full e-flex e-con e-child\" data-id=\"7dc0d1c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-7a40f32 e-con-full e-flex e-con e-child\" data-id=\"7a40f32\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-227bac4 e-con-full e-flex e-con e-child\" data-id=\"227bac4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-eb11e96 elementor-widget elementor-widget-heading\" data-id=\"eb11e96\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Debts that can be waived<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fa86595 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"fa86595\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-play\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M424.4 214.7L72.4 6.6C43.8-10.3 0 6.1 0 47.9V464c0 37.5 40.7 60.1 72.4 41.3l352-208c31.4-18.5 31.5-64.1 0-82.6z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Personal debts, loans, credit cards, microcredits, etc.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-play\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M424.4 214.7L72.4 6.6C43.8-10.3 0 6.1 0 47.9V464c0 37.5 40.7 60.1 72.4 41.3l352-208c31.4-18.5 31.5-64.1 0-82.6z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Business debts of the self-employed.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-play\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M424.4 214.7L72.4 6.6C43.8-10.3 0 6.1 0 47.9V464c0 37.5 40.7 60.1 72.4 41.3l352-208c31.4-18.5 31.5-64.1 0-82.6z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Debts to suppliers and financial institutions.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3721df0 elementor-widget elementor-widget-text-editor\" data-id=\"3721df0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>*the Second Chance Law allows in certain cases special agreements to make payment more flexible.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d148d50 e-con-full e-flex e-con e-child\" data-id=\"d148d50\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ecd0443 elementor-widget elementor-widget-image\" data-id=\"ecd0443\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1064\" height=\"1268\" src=\"https:\/\/dsmconcursal.es\/wp-content\/uploads\/2025\/01\/deuda.jpg\" class=\"attachment-full size-full wp-image-1556\" alt=\"\" srcset=\"https:\/\/dsmconcursal.es\/wp-content\/uploads\/2025\/01\/deuda.jpg 1064w, https:\/\/dsmconcursal.es\/wp-content\/uploads\/2025\/01\/deuda-252x300.jpg 252w, https:\/\/dsmconcursal.es\/wp-content\/uploads\/2025\/01\/deuda-859x1024.jpg 859w, https:\/\/dsmconcursal.es\/wp-content\/uploads\/2025\/01\/deuda-768x915.jpg 768w\" sizes=\"(max-width: 1064px) 100vw, 1064px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3aaec2b e-con-full e-flex e-con e-child\" data-id=\"3aaec2b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-18a56f4 e-con-full e-flex e-con e-child\" data-id=\"18a56f4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-12d6bbe elementor-widget elementor-widget-heading\" data-id=\"12d6bbe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Debts that cannot be waived <\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-af2c1d6 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"af2c1d6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-play\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M424.4 214.7L72.4 6.6C43.8-10.3 0 6.1 0 47.9V464c0 37.5 40.7 60.1 72.4 41.3l352-208c31.4-18.5 31.5-64.1 0-82.6z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Tax and social security debts.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-play\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M424.4 214.7L72.4 6.6C43.8-10.3 0 6.1 0 47.9V464c0 37.5 40.7 60.1 72.4 41.3l352-208c31.4-18.5 31.5-64.1 0-82.6z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Maintenance debts (child or spousal maintenance).<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-play\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M424.4 214.7L72.4 6.6C43.8-10.3 0 6.1 0 47.9V464c0 37.5 40.7 60.1 72.4 41.3l352-208c31.4-18.5 31.5-64.1 0-82.6z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Debts due to serious criminal or administrative sanctions.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9737744 elementor-widget elementor-widget-text-editor\" data-id=\"9737744\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>*the Second Chance Law allows in certain cases special agreements to make payment more flexible.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-36f40f3 e-flex e-con-boxed e-con e-parent\" data-id=\"36f40f3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-446ddca elementor-widget elementor-widget-heading\" data-id=\"446ddca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What do our customers think?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6e02c63 elementor-widget elementor-widget-shortcode\" data-id=\"6e02c63\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><div class=\"wp-gr rpi wpac\" data-id=\"1726\" data-layout=\"slider\" data-exec=\"false\" data-options='{&quot;text_size&quot;:&quot;&quot;,&quot;trans&quot;:{&quot;read more&quot;:&quot;read more&quot;}}'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" style=\"display:none!important\"><symbol id=\"grw-tripadvisor\" viewBox=\"0 0 713.496 713.496\"><g><circle fill=\"#34E0A1\" cx=\"356.749\" cy=\"356.748\" r=\"356.748\"\/><path d=\"M577.095,287.152l43.049-46.836h-95.465c-47.792-32.646-105.51-51.659-167.931-51.659   c-62.342,0-119.899,19.054-167.612,51.659H93.432l43.049,46.836c-26.387,24.075-42.929,58.754-42.929,97.259   c0,72.665,58.914,131.578,131.579,131.578c34.519,0,65.968-13.313,89.446-35.077l42.172,45.919l42.172-45.879   c23.478,21.764,54.887,35.037,89.406,35.037c72.665,0,131.658-58.913,131.658-131.578   C620.024,345.866,603.483,311.188,577.095,287.152z M225.17,473.458c-49.188,0-89.047-39.859-89.047-89.047   s39.86-89.048,89.047-89.048c49.187,0,89.047,39.86,89.047,89.048S274.357,473.458,225.17,473.458z M356.788,381.82   c0-58.595-42.61-108.898-98.853-130.383c30.413-12.716,63.776-19.771,98.813-19.771s68.439,7.055,98.853,19.771   C399.399,272.962,356.788,323.226,356.788,381.82z M488.367,473.458c-49.188,0-89.048-39.859-89.048-89.047   s39.86-89.048,89.048-89.048s89.047,39.86,89.047,89.048S537.554,473.458,488.367,473.458z M488.367,337.694   c-25.79,0-46.677,20.887-46.677,46.677c0,25.789,20.887,46.676,46.677,46.676c25.789,0,46.676-20.887,46.676-46.676   C535.042,358.621,514.156,337.694,488.367,337.694z M271.846,384.411c0,25.789-20.887,46.676-46.676,46.676   s-46.676-20.887-46.676-46.676c0-25.79,20.887-46.677,46.676-46.677C250.959,337.694,271.846,358.621,271.846,384.411z\"\/><\/g><\/symbol><symbol id=\"grw-google\" viewBox=\"0 0 512 512\"><g fill=\"none\" fill-rule=\"evenodd\"><path d=\"M482.56 261.36c0-16.73-1.5-32.83-4.29-48.27H256v91.29h127.01c-5.47 29.5-22.1 54.49-47.09 71.23v59.21h76.27c44.63-41.09 70.37-101.59 70.37-173.46z\" fill=\"#4285f4\"\/><path d=\"M256 492c63.72 0 117.14-21.13 156.19-57.18l-76.27-59.21c-21.13 14.16-48.17 22.53-79.92 22.53-61.47 0-113.49-41.51-132.05-97.3H45.1v61.15c38.83 77.13 118.64 130.01 210.9 130.01z\" fill=\"#34a853\"\/><path d=\"M123.95 300.84c-4.72-14.16-7.4-29.29-7.4-44.84s2.68-30.68 7.4-44.84V150.01H45.1C29.12 181.87 20 217.92 20 256c0 38.08 9.12 74.13 25.1 105.99l78.85-61.15z\" fill=\"#fbbc05\"\/><path d=\"M256 113.86c34.65 0 65.76 11.91 90.22 35.29l67.69-67.69C373.03 43.39 319.61 20 256 20c-92.25 0-172.07 52.89-210.9 130.01l78.85 61.15c18.56-55.78 70.59-97.3 132.05-97.3z\" fill=\"#ea4335\"\/><path d=\"M20 20h472v472H20V20z\"\/><\/g><\/symbol><\/svg><div class=\"grw-row grw-row-m\" data-options='{\"speed\":3,\"autoplay\":true,\"mousestop\":true,\"breakpoints\":\"\"}'><div class=\"grw-header\"><div class=\"grw-header-inner rpi-flx rpi-row12\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/lh3.googleusercontent.com\/places\/ANXAkqE8h1JKa9IPxM0yGkrT_zY6NGILFMaCkUpT4wO5BQMkAMYNqYflliUcJGDQL4MQjZiGmheVtvCyiXAqstBJjhcwJE8qR32Ct0o=s1600-w300-h300\" loading=\"lazy\" alt=\"DSM Concursal &amp; Finance place picture\" width=\"50\" height=\"50\" onerror=\"if(this.src!='data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7')this.src='data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7';\" ><\/div><div class=\"rpi-flx rpi-col8\"><div class=\"wp-google-name\"><a href=\"https:\/\/maps.google.com\/?cid=4315842328379670480\" target=\"_blank\" rel=\"nofollow noopener\">DSM Concursal &amp; Finance<\/a><\/div><span class=\"rpi-stars\" style=\"--rating:5.0\">5.0<\/span><div class=\"wp-google-based\">Based on 8 reviews<\/div><div class=\"wp-google-powered\">powered by <span><span style=\"color:#3c6df0!important\">G<\/span><span style=\"color:#d93025!important\">o<\/span><span style=\"color:#fb8e28!important\">o<\/span><span style=\"color:#3c6df0!important\">g<\/span><span style=\"color:#188038!important\">l<\/span><span style=\"color:#d93025!important\">e<\/span><\/span><\/div><div class=\"wp-google-wr\"><a href=\"https:\/\/search.google.com\/local\/writereview?placeid=ChIJSTr0BfejpBIR0D-qObvz5Ds\" target=\"_blank\" rel=\"nofollow noopener\" onclick=\"return rplg_leave_review_window.call(this)\">review us on<svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"><\/use><\/svg><\/a><\/div><\/div><\/div><\/div><div class=\"rpi-slides-root grw-content\"><div class=\"grw-content-inner\"><button class=\"rpi-ltgt rpi-lt grw-prev\" tabindex=\"0\"><\/button><div class=\"rpi-slides grw-reviews rpi-slides-bite\" data-count=\"8\" data-offset=\"8\"><div class=\"rpi-slide grw-review\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/lh3.googleusercontent.com\/a\/ACg8ocItgLIodFlPR0ftSZjQIS00upsZ7wx5o4WKGqfYlP5PY1K5JA=s128-c0x00000000-cc-rp-mo\" loading=\"lazy\" alt=\"Pedro Dur\u00e1n P\u00e9rez profile picture\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/dsmconcursal.es\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/dsmconcursal.es\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/100301550940049433643\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">Pedro Dur\u00e1n P\u00e9rez<\/a><div class=\"wp-google-time\" data-time=\"1744211769\">15:16 09 Apr 25<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\" ><span class=\"wp-google-text\">Me exoneraron todas mis deudas y consiguieron salvar mi piso sin tener que venderlo, gracias a la ley de la segunda oportunidad.<br \/>El trato con David y<br \/>Arnau fue excelente, cercanos y atentos en todo momento.<br \/>Lo recomiendo y estoy agradecido al 100 x100!<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><div class=\"rpi-slide grw-review\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/lh3.googleusercontent.com\/a\/ACg8ocK34ASVD7Y_OwQdLgyNA0yOu3bzRxwV2Z4mScG7R5-Wem87yA=s128-c0x00000000-cc-rp-mo\" loading=\"lazy\" alt=\"Juan Alberto Almirall profile picture\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/dsmconcursal.es\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/dsmconcursal.es\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/108442113389645433104\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">Juan Alberto Almirall<\/a><div class=\"wp-google-time\" data-time=\"1744022486\">10:41 07 Apr 25<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\" ><span class=\"wp-google-text\">Un despacho muy profesional, con personal altamente cualificado,  han sabido resolver mis dudas legales, e iniciar el procedimiento de la Ley de la segunda oportunidad con un resultado plenamente satisfactorio.  No dudar\u00eda en volver a contratarlos si fuera necesario .<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><div class=\"rpi-slide grw-review\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/lh3.googleusercontent.com\/a\/ACg8ocLs6vnSkxN-jeXV2pNgJAwfefLs_HPUfEn84p8shu6GglDlWQ=s128-c0x00000000-cc-rp-mo\" loading=\"lazy\" alt=\"Mart\u00edn Monserrat Monserrat profile picture\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/dsmconcursal.es\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/dsmconcursal.es\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/115622926352709187965\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">Mart\u00edn Monserrat Monserrat<\/a><div class=\"wp-google-time\" data-time=\"1744020344\">10:05 07 Apr 25<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\" ><span class=\"wp-google-text\">Profesionales y dedicados al cliente. Atenci\u00f3n personal top. Me solventaron la preocupaci\u00f3n que me genero el concurso de acreedores, al sentirme en buenas manos.<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><div class=\"rpi-slide grw-review\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/lh3.googleusercontent.com\/a-\/ALV-UjW6jwzIAS_dywGu_o8vFAJ_TrWCEOGOKHOC5zpqhZxnzRS0aCcUCA=s128-c0x00000000-cc-rp-mo-ba3\" loading=\"lazy\" alt=\"Marisa Monserrat profile picture\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/dsmconcursal.es\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/dsmconcursal.es\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/102396265146316964547\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">Marisa Monserrat<\/a><div class=\"wp-google-time\" data-time=\"1744018925\">09:42 07 Apr 25<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\" ><span class=\"wp-google-text\">Me han atendido de maravilla. Son un equipo genial. Gracias!!!!<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><div class=\"rpi-slide grw-review\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/lh3.googleusercontent.com\/a-\/ALV-UjVro5EZOIY4LwEJbOvM6kuFq6VvVZJAZxnBD8LP_tkt6nYfgJI=s128-c0x00000000-cc-rp-mo-ba3\" loading=\"lazy\" alt=\"Ana de la Orden P\u00e9rez profile picture\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/dsmconcursal.es\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/dsmconcursal.es\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/116019226920480948756\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">Ana de la Orden P\u00e9rez<\/a><div class=\"wp-google-time\" data-time=\"1743443177\">17:46 31 Mar 25<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\" ><span class=\"wp-google-text\">Fui por recomendaci\u00f3n y la verdad que encantada, han resuelto todas las dudas que ten\u00edan y las han tratado con una gran profesionalidad motivo por el cual seguir\u00e9 con su trabajo y asesoramiento cercano<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><div class=\"rpi-slide grw-review\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/lh3.googleusercontent.com\/a\/ACg8ocKp5ZotxVzg2u8etLMl0Ydd0VBpEQYcUgW1SxMVrPYWkC7yuA=s128-c0x00000000-cc-rp-mo\" loading=\"lazy\" alt=\"Camelia Voicu profile picture\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/dsmconcursal.es\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/dsmconcursal.es\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/117779770265219098921\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">Camelia Voicu<\/a><div class=\"wp-google-time\" data-time=\"1743264782\">16:13 29 Mar 25<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\" ><span class=\"wp-google-text\">Les doy 5 estrellas por que no puedo darles 10.<br \/>Les caracteriza la profesionalidad, el trato cercano, la claridad en sus respuestas a las preguntas y la implicaci\u00f3n en cada gesti\u00f3n que necesitas ,desde las m\u00e1s comunes hasta las m\u00e1s complicadas ,que en cuanto te dejas en sus manos ya no se ven tan complicadas. Con este equipo tan valioso he aprendido que todo tiene soluci\u00f3n y solo puedo darles las gracias por todos los consejos y todos los tr\u00e1mites que han llevado y llevar\u00e1n a cabo para  mi.<br \/>Desde el primer segundo he sentido que estoy en buenas manos y seguir\u00e9 estando en estas manos.<br \/>As\u00ed que si busc\u00e1is verdaderos profesionales aqu\u00ed los ten\u00e9is sin duda alguna.<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><div class=\"rpi-slide grw-review\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/lh3.googleusercontent.com\/a\/ACg8ocLyOFgOVH0zn5bHb3LD5FRzJ9Gbq23qvi0cxzccaCCEXzBfvg=s128-c0x00000000-cc-rp-mo\" loading=\"lazy\" alt=\"Stefan StAn profile picture\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/dsmconcursal.es\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/dsmconcursal.es\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/116211671002600438232\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">Stefan StAn<\/a><div class=\"wp-google-time\" data-time=\"1743177511\">15:58 28 Mar 25<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\" ><span class=\"wp-google-text\">Un amigo me recomend\u00f3 este despacho y desde la primera reuni\u00f3n me di cuenta que era lo que estaba buscando. Me encontr\u00e9 un equipo de abogados expertos con un trato muy cercano y con gran implicaci\u00f3n en resolver las gestiones planteadas.<br \/>Recomiendo 100%!!!<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><div class=\"rpi-slide grw-review\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/lh3.googleusercontent.com\/a-\/ALV-UjUaTdfajVjrwwBKoOVF-7BT0RU4dvkYI5XAIdQaf3ASbmM1aLEa=s128-c0x00000000-cc-rp-mo\" loading=\"lazy\" alt=\"Jose Luis profile picture\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/dsmconcursal.es\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/dsmconcursal.es\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/103820422576224436759\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">Jose Luis<\/a><div class=\"wp-google-time\" data-time=\"1743174657\">15:10 28 Mar 25<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\" ><span class=\"wp-google-text\">Encantado con la experiencia despu\u00e9s de lo complicado que parec\u00eda. Verdaderos profesionales, con empat\u00eda, conocimiento de su trabajo y un trato cercano para la consecuci\u00f3n de sus objetivos. Sin duda, si alguna anda en busca de un buen despacho de abogados, no mereis m\u00e1s este es perfecto.<br \/>Un abrazo para todo el equipo.<br \/>GRACIAS<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><\/div><button class=\"rpi-ltgt rpi-gt grw-next\" tabindex=\"0\"><\/button><div class=\"rpi-dots-wrap\"><div class=\"rpi-dots\"><\/div><\/div><\/div><\/div><\/div><script>(function(p){if(!p)return;let w=p.offsetWidth,m=function(a,b){return Math.min(a,b)===a};p.querySelector('.grw-row').classList.replace('grw-row-m','grw-row-'+(m(w,510)?'xs':m(w,750)?'x':m(w,1100)?'s':m(w,1450)?'m':m(w,1800)?'l':'xl'))})(document.currentScript?.parentElement)<\/script><\/div><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-506a2d2 e-flex e-con-boxed e-con e-parent\" data-id=\"506a2d2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-dcfeb00 e-con-full e-flex e-con e-child\" data-id=\"dcfeb00\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1d0d832 elementor-widget elementor-widget-heading\" data-id=\"1d0d832\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Case studies<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-be2ae4f elementor-pagination-type-bullets elementor-arrows-position-inside elementor-pagination-position-outside elementor-widget elementor-widget-loop-carousel\" data-id=\"be2ae4f\" data-element_type=\"widget\" data-e-type=\"widget\" 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.elementor-button:focus{border-color:var( --e-global-color-primary );}.elementor-1804 .elementor-element.elementor-element-3b6208d > .elementor-widget-container{margin:0px 0px 0px 0px;padding:0px 0px 0px 0px;}@media(min-width:768px){.elementor-1804 .elementor-element.elementor-element-95108b9{--width:100%;}}\/* Start custom CSS for icon, class: .elementor-element-dd3be40 *\/.elementor-1804 .elementor-element.elementor-element-dd3be40{\n    aspect-ratio: 1;\n    line-height: 1;\n}\/* End custom CSS *\/<\/style>\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"1804\" class=\"elementor elementor-1804 swiper-slide e-loop-item e-loop-item-1843 post-1843 casos_de_exito type-casos_de_exito status-publish hentry\" data-elementor-post-type=\"elementor_library\" role=\"group\" aria-roledescription=\"slide\" data-custom-edit-handle=\"1\">\n\t\t\t<div class=\"elementor-element elementor-element-95108b9 e-con-full e-flex e-con e-child\" data-id=\"95108b9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dd3be40 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"dd3be40\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"Capa_1\" x=\"0px\" y=\"0px\" viewBox=\"0 0 25 25\" style=\"enable-background:new 0 0 25 25;\" xml:space=\"preserve\"><path d=\"M21.4,6h-3.7l-2-4H9.2l-2,4H3.6C2.2,6,1.1,7.1,1.1,8.5v11.9c0,1.4,1.1,2.5,2.5,2.5h17.9c1.4,0,2.5-1.1,2.5-2.5V8.5 C23.9,7.1,22.8,6,21.4,6z M9.8,3.1h5.3l1.5,3H8.3L9.8,3.1z M22.9,20.4c0,0.8-0.7,1.5-1.5,1.5H19V9.5h-1v12.4H7V9.5H6v12.4H3.6 c-0.8,0-1.5-0.7-1.5-1.5V8.5C2.1,7.7,2.7,7,3.6,7h3.2h11.6h3.2c0.8,0,1.5,0.7,1.5,1.5V20.4z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-41f5821 e-con-full e-flex e-con e-child\" data-id=\"41f5821\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-637b466 elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"637b466\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Avalista logra cancelar m\u00e1s de 71.000 \u20ac en deudas y detener el embargo de su n\u00f3mina<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e0504e2 elementor-widget elementor-widget-text-editor\" data-id=\"e0504e2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tUn deudor cuya n\u00f3mina estaba siendo embargada tras avalar el pr\u00e9stamo hipotecario de un familiar solicit\u00f3 acogerse a la Ley de Segunda Oportunidad. Con una deuda de 71.390,58 \u20ac, consigui\u00f3 frenar los embargos desde la declaraci\u00f3n del concurso de acreedores y, posteriormente, obtuvo la exoneraci\u00f3n definitiva de todas sus deudas, quedando completamente libre de cargas.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3b6208d elementor-widget elementor-widget-button\" data-id=\"3b6208d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/dsmconcursal.es\/wp-content\/uploads\/2025\/04\/Caso-5.pdf\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Ver m\u00e1s<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"1804\" class=\"elementor elementor-1804 swiper-slide e-loop-item e-loop-item-1842 post-1842 casos_de_exito type-casos_de_exito status-publish hentry\" data-elementor-post-type=\"elementor_library\" role=\"group\" aria-roledescription=\"slide\" data-custom-edit-handle=\"1\">\n\t\t\t<div class=\"elementor-element elementor-element-95108b9 e-con-full e-flex e-con e-child\" data-id=\"95108b9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dd3be40 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"dd3be40\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"Capa_1\" x=\"0px\" y=\"0px\" viewBox=\"0 0 25 25\" style=\"enable-background:new 0 0 25 25;\" xml:space=\"preserve\"><path d=\"M21.4,6h-3.7l-2-4H9.2l-2,4H3.6C2.2,6,1.1,7.1,1.1,8.5v11.9c0,1.4,1.1,2.5,2.5,2.5h17.9c1.4,0,2.5-1.1,2.5-2.5V8.5 C23.9,7.1,22.8,6,21.4,6z M9.8,3.1h5.3l1.5,3H8.3L9.8,3.1z M22.9,20.4c0,0.8-0.7,1.5-1.5,1.5H19V9.5h-1v12.4H7V9.5H6v12.4H3.6 c-0.8,0-1.5-0.7-1.5-1.5V8.5C2.1,7.7,2.7,7,3.6,7h3.2h11.6h3.2c0.8,0,1.5,0.7,1.5,1.5V20.4z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-41f5821 e-con-full e-flex e-con e-child\" data-id=\"41f5821\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-637b466 elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"637b466\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Matrimonio cancela casi 194.000 \u20ac en deudas y conserva su vivienda<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e0504e2 elementor-widget elementor-widget-text-editor\" data-id=\"e0504e2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tUn matrimonio con embargos en su n\u00f3mina y cuentas bancarias por deudas que ascend\u00edan a 193.868,31 \u20ac, derivadas de varios pr\u00e9stamos, se acogi\u00f3 a la Ley de Segunda Oportunidad. Tras declararse en concurso, se levantaron todos los embargos y se obtuvo la exoneraci\u00f3n total y definitiva de las deudas, permiti\u00e9ndoles conservar su vivienda hipotecada sin necesidad de venderla.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3b6208d elementor-widget elementor-widget-button\" data-id=\"3b6208d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/dsmconcursal.es\/wp-content\/uploads\/2025\/04\/Caso-4.pdf\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Ver m\u00e1s<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"1804\" class=\"elementor elementor-1804 swiper-slide e-loop-item e-loop-item-1841 post-1841 casos_de_exito type-casos_de_exito status-publish hentry\" data-elementor-post-type=\"elementor_library\" role=\"group\" aria-roledescription=\"slide\" data-custom-edit-handle=\"1\">\n\t\t\t<div class=\"elementor-element elementor-element-95108b9 e-con-full e-flex e-con e-child\" data-id=\"95108b9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dd3be40 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"dd3be40\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"Capa_1\" x=\"0px\" y=\"0px\" viewBox=\"0 0 25 25\" style=\"enable-background:new 0 0 25 25;\" xml:space=\"preserve\"><path d=\"M21.4,6h-3.7l-2-4H9.2l-2,4H3.6C2.2,6,1.1,7.1,1.1,8.5v11.9c0,1.4,1.1,2.5,2.5,2.5h17.9c1.4,0,2.5-1.1,2.5-2.5V8.5 C23.9,7.1,22.8,6,21.4,6z M9.8,3.1h5.3l1.5,3H8.3L9.8,3.1z M22.9,20.4c0,0.8-0.7,1.5-1.5,1.5H19V9.5h-1v12.4H7V9.5H6v12.4H3.6 c-0.8,0-1.5-0.7-1.5-1.5V8.5C2.1,7.7,2.7,7,3.6,7h3.2h11.6h3.2c0.8,0,1.5,0.7,1.5,1.5V20.4z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-41f5821 e-con-full e-flex e-con e-child\" data-id=\"41f5821\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-637b466 elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"637b466\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Administrador de una Sociedad Limitada cancela m\u00e1s de 932.000 \u20ac en deudas gracias a la Ley de Segunda Oportunidad<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e0504e2 elementor-widget elementor-widget-text-editor\" data-id=\"e0504e2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tUn deudor con embargos activos por parte de entidades bancarias, acumulando una deuda de 932.560,39 \u20ac, derivada principalmente de pr\u00e9stamos avalados como administrador de una sociedad limitada, se acogi\u00f3 a la Ley de Segunda Oportunidad. Durante el procedimiento se paralizaron los embargos y, finalmente, se obtuvo la exoneraci\u00f3n total y definitiva de todas las deudas, permiti\u00e9ndole empezar de nuevo sin cargas financieras.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3b6208d elementor-widget elementor-widget-button\" data-id=\"3b6208d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/dsmconcursal.es\/wp-content\/uploads\/2025\/04\/Caso-3.pdf\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Ver m\u00e1s<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"1804\" class=\"elementor elementor-1804 swiper-slide e-loop-item e-loop-item-1840 post-1840 casos_de_exito type-casos_de_exito status-publish hentry\" data-elementor-post-type=\"elementor_library\" role=\"group\" aria-roledescription=\"slide\" data-custom-edit-handle=\"1\">\n\t\t\t<div class=\"elementor-element elementor-element-95108b9 e-con-full e-flex e-con e-child\" data-id=\"95108b9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dd3be40 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"dd3be40\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"Capa_1\" x=\"0px\" y=\"0px\" viewBox=\"0 0 25 25\" style=\"enable-background:new 0 0 25 25;\" xml:space=\"preserve\"><path d=\"M21.4,6h-3.7l-2-4H9.2l-2,4H3.6C2.2,6,1.1,7.1,1.1,8.5v11.9c0,1.4,1.1,2.5,2.5,2.5h17.9c1.4,0,2.5-1.1,2.5-2.5V8.5 C23.9,7.1,22.8,6,21.4,6z M9.8,3.1h5.3l1.5,3H8.3L9.8,3.1z M22.9,20.4c0,0.8-0.7,1.5-1.5,1.5H19V9.5h-1v12.4H7V9.5H6v12.4H3.6 c-0.8,0-1.5-0.7-1.5-1.5V8.5C2.1,7.7,2.7,7,3.6,7h3.2h11.6h3.2c0.8,0,1.5,0.7,1.5,1.5V20.4z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-41f5821 e-con-full e-flex e-con e-child\" data-id=\"41f5821\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-637b466 elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"637b466\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Jubilado con hipoteca consigue cancelar 48.000 \u20ac en deudas y conservar su vivienda<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e0504e2 elementor-widget elementor-widget-text-editor\" data-id=\"e0504e2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tUn pensionista con ingresos mensuales de 2.062 \u20ac y propietario de una vivienda hipotecada, se acogi\u00f3 a la Ley de Segunda Oportunidad tras sufrir embargos por pr\u00e9stamos impagados que ascend\u00edan a 48.362,62 \u20ac. Gracias a un plan de pagos de solo 40 \u20ac al mes durante 5 a\u00f1os, obtuvo la exoneraci\u00f3n provisional de sus deudas y logr\u00f3 mantener su vivienda sin necesidad de venderla.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3b6208d elementor-widget elementor-widget-button\" data-id=\"3b6208d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/dsmconcursal.es\/wp-content\/uploads\/2025\/04\/Caso-2.pdf\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Ver m\u00e1s<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"1804\" class=\"elementor elementor-1804 swiper-slide e-loop-item e-loop-item-1814 post-1814 casos_de_exito type-casos_de_exito status-publish hentry\" data-elementor-post-type=\"elementor_library\" role=\"group\" aria-roledescription=\"slide\" data-custom-edit-handle=\"1\">\n\t\t\t<div class=\"elementor-element elementor-element-95108b9 e-con-full e-flex e-con e-child\" data-id=\"95108b9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dd3be40 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"dd3be40\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"Capa_1\" x=\"0px\" y=\"0px\" viewBox=\"0 0 25 25\" style=\"enable-background:new 0 0 25 25;\" xml:space=\"preserve\"><path d=\"M21.4,6h-3.7l-2-4H9.2l-2,4H3.6C2.2,6,1.1,7.1,1.1,8.5v11.9c0,1.4,1.1,2.5,2.5,2.5h17.9c1.4,0,2.5-1.1,2.5-2.5V8.5 C23.9,7.1,22.8,6,21.4,6z M9.8,3.1h5.3l1.5,3H8.3L9.8,3.1z M22.9,20.4c0,0.8-0.7,1.5-1.5,1.5H19V9.5h-1v12.4H7V9.5H6v12.4H3.6 c-0.8,0-1.5-0.7-1.5-1.5V8.5C2.1,7.7,2.7,7,3.6,7h3.2h11.6h3.2c0.8,0,1.5,0.7,1.5,1.5V20.4z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-41f5821 e-con-full e-flex e-con e-child\" data-id=\"41f5821\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-637b466 elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"637b466\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Empresario cancela m\u00e1s de 39.000 \u20ac en deudas avaladas por su empresa<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e0504e2 elementor-widget elementor-widget-text-editor\" data-id=\"e0504e2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tUn deudor afectado por embargos debido a pr\u00e9stamos que aval\u00f3 como administrador de su empresa se acogi\u00f3 a la Ley de Segunda Oportunidad. Con un pasivo total de 39.511,25 \u20ac, logr\u00f3 la exoneraci\u00f3n definitiva de todas sus deudas, eliminando completamente sus obligaciones econ\u00f3micas con las entidades bancarias.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3b6208d elementor-widget elementor-widget-button\" data-id=\"3b6208d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/dsmconcursal.es\/wp-content\/uploads\/2025\/04\/Caso-1.pdf\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Ver m\u00e1s<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-prev\" role=\"button\" tabindex=\"0\" aria-label=\"Previous\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-eicon-chevron-left\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M646 125C629 125 613 133 604 142L308 442C296 454 292 471 292 487 292 504 296 521 308 533L604 854C617 867 629 875 646 875 663 875 679 871 692 858 704 846 713 829 713 812 713 796 708 779 692 767L438 487 692 225C700 217 708 204 708 187 708 171 704 154 692 142 675 129 663 125 646 125Z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-next\" role=\"button\" tabindex=\"0\" aria-label=\"Next\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-eicon-chevron-right\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M696 533C708 521 713 504 713 487 713 471 708 454 696 446L400 146C388 133 375 125 354 125 338 125 325 129 313 142 300 154 292 171 292 187 292 204 296 221 308 233L563 492 304 771C292 783 288 800 288 817 288 833 296 850 308 863 321 871 338 875 354 875 371 875 388 867 400 854L696 533Z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t\t\t\t<div class=\"swiper-pagination\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-61c6dd8 elementor-widget elementor-widget-button\" data-id=\"61c6dd8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/dsmconcursal.es\/en\/case-studies\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">See all case studies<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7a74244 e-flex e-con-boxed e-con e-parent\" data-id=\"7a74244\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-fc722fb e-con-full e-flex e-con e-child\" data-id=\"fc722fb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-caa0369 e-con-full e-flex e-con e-child\" data-id=\"caa0369\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-e18235a e-con-full e-flex e-con e-child\" data-id=\"e18235a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-28273e0 elementor-widget elementor-widget-heading\" data-id=\"28273e0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Do you need specialized financial advice?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-30ab8bf elementor-widget elementor-widget-text-editor\" data-id=\"30ab8bf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Our team of experts is ready to help you overcome your financial challenges. Contact us today and discover the best solution for your situation.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b9eb6b4 elementor-widget elementor-widget-button\" data-id=\"b9eb6b4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/dsmconcursal.es\/en\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Ask for advice<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c217f09 e-con-full elementor-hidden-tablet elementor-hidden-mobile e-flex e-con e-child\" data-id=\"c217f09\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Second Chance Law How often do you receive garnishments on your bank account? If your salary or pension is garnished, if your bank account is garnished from time to time, if you are unable to cover all your loans, you should know that there is a solution to all of these problems through the application [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-1575","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Second Chance Law - DSM Concursal &amp; Finance<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/dsmconcursal.es\/en\/second-chance-law\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Second Chance Law - DSM Concursal &amp; Finance\" \/>\n<meta property=\"og:description\" content=\"Second Chance Law How often do you receive garnishments on your bank account? 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