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Debt

Coronavirus - Mortgage Moratorium

Information from the Royal Decree, published today. First of all, it’s not as simple as some publications have made it out to be. Yes, there is a measure in place that allows those in certain situations to apply for a moratorium of their m

Law For Second Chances - Debt Cancellation For Returning Autonomos

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

Cross Border Debt Recovery?

MUTUAL ASSISTANCE FOR RECOVERY OF DEBT EU Commission Regulation 1189/2011 of 19 November 2011. This note only cover EU Member States. There is however scope for use outside of the EU Debts covered All taxes and duties collected by the competent

On Minimum Wage Or Pension? How To Respond To Bank Embargoes

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

Mortgage Paid Off, What To Do Next

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

Calculate Amount From Salary Pension That Can Be Embargoed?

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

Aragon – Catalogue Of Social Services Amplified 2017

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

Must I Pay Utility/other Debt Left By Previous Owners?

For a full explanation including debts that the new owners are liable for. Which Debts Will Remain on the Property?

Added To A Debtors List, What Can I Do?

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

How Can I Obtain A Credit Check In Spain?

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
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