In Spanish ‘La Ley de Segunda Oportunidad’ enabling those that couldn’t make their business work and ended up being in debt, to have a large percentage of their debts (up to 70%) annulled when they want to try running their own
The Law of “Civil Procedure” does not permit that funds are taken in the form of embargoes from your bank if you are on the minimum pension or wage. The information for minimum wages (SMI) HERE
For those receiving 14 payments annuall
Once you´ve paid off your mortgage, in order to get the debt lifted from the property records, you need to go through some administrative procedures.
You need to take the mortgage escritura plus a certificate from the bank that confirms the mor
Use the tax agency calculator below. Add the amount of the embargo and then the monthly salary pension or income. If the amount earned or pension is below the SMI (950/month, 14 payments as per 2020) your account cannot be embargoed. This can
In the autonomous region of Aragón, the amount of citizens that are at risk of social exclusion because of insufficient income or no income at all, because of longterm unemployment for example, has grown significantly quicker in the past 5 year
You can be added to one of the list containing names of debtors if you have accrued a debt of as little as five euros as there is no minimum limit. Before being added to a list, you should have been sent a bill which resulted in nonpayment. Only
This will depend from which administration you need a certificate of no debt (certificado de deuda pendiente/o the no deuda) certificates are provided by the tax office (Agancia Tributaria) and the Social Security administration (INSS).
For a g
With or without a digital certificate installed on your computer, you can consult the official TESTRA noticeboard for any fines against your name, your NIE or your vehicle licence plate.
LINK TO TESTRA
Info from DGT Trafico about n
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