{"id":45735,"date":"2025-07-23T13:04:59","date_gmt":"2025-07-23T11:04:59","guid":{"rendered":"https:\/\/consumidors.org\/derecho-a-la-segunda-oportunidad\/"},"modified":"2025-10-30T12:35:46","modified_gmt":"2025-10-30T11:35:46","slug":"derecho-a-la-segunda-oportunidad","status":"publish","type":"page","link":"https:\/\/consumidors.org\/es\/derecho-a-la-segunda-oportunidad\/","title":{"rendered":"Derecho a la segunda oportunidad"},"content":{"rendered":"

[et_pb_section fb_built=\u00bb1″ custom_padding_last_edited=\u00bbon|phone\u00bb _builder_version=\u00bb4.27.4″ _module_preset=\u00bbdefault\u00bb background_image=\u00bbhttps:\/\/consumidors.org\/wp-content\/uploads\/2025\/07\/segona-oportunitat-banner.jpg\u00bb custom_padding=\u00bb195px||228px|||\u00bb custom_padding_tablet=\u00bb195px||228px|||\u00bb custom_padding_phone=\u00bb100px||100px||true|false\u00bb global_colors_info=\u00bb{}\u00bb theme_builder_area=\u00bbpost_content\u00bb][et_pb_row _builder_version=\u00bb4.27.4″ _module_preset=\u00bbdefault\u00bb max_width=\u00bb1150px\u00bb global_colors_info=\u00bb{}\u00bb theme_builder_area=\u00bbpost_content\u00bb][et_pb_column type=\u00bb4_4″ _builder_version=\u00bb4.27.4″ _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb theme_builder_area=\u00bbpost_content\u00bb][et_pb_heading title=\u00bbDERECHO A LA SEGUNDA OPORTUNIDAD\u00bb _builder_version=\u00bb4.27.4″ _module_preset=\u00bbbb6e9e79-9080-491e-a81d-3536638c1743″ title_text_align=\u00bbleft\u00bb title_text_color=\u00bb#FFFFFF\u00bb custom_margin=\u00bb||10px||false|false\u00bb global_colors_info=\u00bb{}\u00bb theme_builder_area=\u00bbpost_content\u00bb][\/et_pb_heading][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\u00bb1″ _builder_version=\u00bb4.27.4″ _module_preset=\u00bbdefault\u00bb custom_margin=\u00bb||||false|false\u00bb global_colors_info=\u00bb{}\u00bb theme_builder_area=\u00bbpost_content\u00bb][et_pb_row column_structure=\u00bb1_2,1_2″ make_equal=\u00bbon\u00bb _builder_version=\u00bb4.27.4″ _module_preset=\u00bbdefault\u00bb custom_padding=\u00bb0px||0px||false|false\u00bb custom_css_main_element=\u00bbalign-items:center;\u00bb global_colors_info=\u00bb{}\u00bb theme_builder_area=\u00bbpost_content\u00bb][et_pb_column type=\u00bb1_2″ _builder_version=\u00bb4.27.4″ _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb theme_builder_area=\u00bbpost_content\u00bb][et_pb_heading title=\u00bbC\u00f3mo cancelar tus deudas\u00bb _builder_version=\u00bb4.27.4″ _module_preset=\u00bbb022ef19-0c93-434e-a875-82bf3b971e8f\u00bb title_text_color=\u00bbgcid-9fdfe294-7457-43ae-a094-acb99671e34b\u00bb custom_margin=\u00bb||13px|||\u00bb global_colors_info=\u00bb{%22gcid-9fdfe294-7457-43ae-a094-acb99671e34b%22:%91%22title_text_color%22%93}\u00bb theme_builder_area=\u00bbpost_content\u00bb][\/et_pb_heading][et_pb_text _builder_version=\u00bb4.27.4″ _module_preset=\u00bb39e95440-0429-49e8-9448-774467e13366″ text_text_color=\u00bb#000000″ global_colors_info=\u00bb{%22gcid-1f1b4e15-7cc6-4e13-8154-74d77a956460%22:%91%22link_text_color%22,%22quote_text_color%22,%22quote_border_color%22,%22link_text_color%22,%22quote_text_color%22,%22quote_border_color%22,%22link_text_color%22,%22quote_text_color%22,%22quote_border_color%22%93}\u00bb theme_builder_area=\u00bbpost_content\u00bb]<\/p>\n

A veces las deudas pueden tenernos ahogadas y ser un impedimento para el desarrollo de nuestra vida. Si crees que tienes demasiadas deudas y que nunca podr\u00e1s deshacerte de ellas debes tener en cuenta que existe el derecho a la segunda oportunidad. La segunda oportunidad permite cancelar todas tus deudas y confirmarlo judicialmente despu\u00e9s de realizar una negociaci\u00f3n extrajudicial con todas las entidades con las que tengas deudas.
Este m\u00e9todo consiste en utilizar todo el patrimonio disponible para cancelar las deudas pendientes y quedar a 0 aunque el balance sea negativo. Desde la Uni\u00f3n de Consumidores de Catalu\u00f1a podemos asesorarte para que realices el tr\u00e1mite y acompa\u00f1arte durante todo el procedimiento ayudando tambi\u00e9n con la negociaci\u00f3n extrajudicial. Piensa que adem\u00e1s todos los procedimientos de embargo se paralizar\u00e1n al iniciar el tr\u00e1mite <\/p>\n

[\/et_pb_text][\/et_pb_column][et_pb_column type=\u00bb1_2″ _builder_version=\u00bb4.27.4″ _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb theme_builder_area=\u00bbpost_content\u00bb][et_pb_image src=\u00bbhttps:\/\/consumidors.org\/wp-content\/uploads\/2025\/07\/deudes-2.png\u00bb title_text=\u00bbdeudas 2″ align=\u00bbcenter\u00bb _builder_version=\u00bb4.27.4″ _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb theme_builder_area=\u00bbpost_content\u00bb][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=\u00bb1_2,1_2″ _builder_version=\u00bb4.27.4″ _module_preset=\u00bbdefault\u00bb locked=\u00bboff\u00bb global_colors_info=\u00bb{}\u00bb theme_builder_area=\u00bbpost_content\u00bb][et_pb_column type=\u00bb1_2″ _builder_version=\u00bb4.27.4″ _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb theme_builder_area=\u00bbpost_content\u00bb][et_pb_image src=\u00bbhttps:\/\/consumidors.org\/wp-content\/uploads\/2025\/07\/deudes.jpg\u00bb title_text=\u00bbdeudas\u00bb _builder_version=\u00bb4.27.4″ _module_preset=\u00bbdefault\u00bb border_radii=\u00bbon|15px|15px|15px|15px\u00bb global_colors_info=\u00bb{}\u00bb theme_builder_area=\u00bbpost_content\u00bb][\/et_pb_image][\/et_pb_column][et_pb_column type=\u00bb1_2″ _builder_version=\u00bb4.27.4″ _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb theme_builder_area=\u00bbpost_content\u00bb][et_pb_heading title=\u00bbRequisitos\u00bb _builder_version=\u00bb4.27.4″ _module_preset=\u00bbb022ef19-0c93-434e-a875-82bf3b971e8f\u00bb title_text_color=\u00bbgcid-9fdfe294-7457-43ae-a094-acb99671e34b\u00bb custom_margin=\u00bb||13px|||\u00bb global_colors_info=\u00bb{%22gcid-9fdfe294-7457-43ae-a094-acb99671e34b%22:%91%22title_text_color%22%93}\u00bb theme_builder_area=\u00bbpost_content\u00bb][\/et_pb_heading][et_pb_text _builder_version=\u00bb4.27.4″ _module_preset=\u00bb39e95440-0429-49e8-9448-774467e13366″ text_text_color=\u00bb#000000″ global_colors_info=\u00bb{%22gcid-1f1b4e15-7cc6-4e13-8154-74d77a956460%22:%91%22link_text_color%22,%22quote_text_color%22,%22quote_border_color%22,%22link_text_color%22,%22quote_text_color%22,%22quote_border_color%22,%22link_text_color%22,%22quote_text_color%22,%22quote_border_color%22%93}\u00bb theme_builder_area=\u00bbpost_content\u00bb]<\/p>\n

Los requisitos necesarios para poder optar a este derecho son:<\/strong><\/p>\n

    \n
      \n
    1. Mis deudas no superan los 5 millones de euros.<\/li>\n
    2. No he presentado una solicitud de concurso ni he sido declarado en concurso en los \u00faltimos 5 a\u00f1os.<\/li>\n
    3. No he logrado un acuerdo extrajudicial de pagos con mis acreedores en los \u00faltimos 5 a\u00f1os.<\/li>\n
    4. No me encuentro negociando un acuerdo de refinanciaci\u00f3n con mis acreedores, ni he conseguido uno en los \u00faltimos 5 a\u00f1os.<\/li>\n
    5. No he sido condenado en sentencia firme, dentro de los 10 a\u00f1os anteriores a la solicitud, por los siguientes delitos:<\/li>\n<\/ol>\n<\/ol>\n

      a) Contra el patrimonio.
      b) Contra el orden socioecon\u00f3mico.
      c) De falsedad documental.
      d) Contra la Hacienda P\u00fablica.
      e) Contra la Seguridad Social.
      f) Contra los derechos de los trabajadores.<\/p>\n

      [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\u00bb1″ _builder_version=\u00bb4.27.4″ _module_preset=\u00bbdefault\u00bb background_color=\u00bb#2e296b\u00bb global_colors_info=\u00bb{}\u00bb theme_builder_area=\u00bbpost_content\u00bb][et_pb_row _builder_version=\u00bb4.27.4″ _module_preset=\u00bbdefault\u00bb background_color=\u00bb#FFFFFF\u00bb border_radii=\u00bbon|15px|15px|15px|15px\u00bb global_colors_info=\u00bb{}\u00bb theme_builder_area=\u00bbpost_content\u00bb][et_pb_column type=\u00bb4_4″ _builder_version=\u00bb4.27.4″ _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb theme_builder_area=\u00bbpost_content\u00bb][et_pb_text _builder_version=\u00bb4.27.4″ _module_preset=\u00bbdefault\u00bb text_font=\u00bbInter||||||||\u00bb text_text_color=\u00bb#000000″ text_font_size=\u00bb16px\u00bb link_text_color=\u00bb#df9804″ custom_margin=\u00bb|50px||50px|false|true\u00bb global_colors_info=\u00bb{}\u00bb theme_builder_area=\u00bbpost_content\u00bb]<\/p>\n

      Si crees que tus derechos como consumidor pueden estar en peligro, has sufrido alguna de estas pr\u00e1cticas o cualquier otro trato abusivo, desde la Uni\u00f3n de Consumidores de Catalu\u00f1a \u2013 UCC podemos ayudarte. \u00a1No dudes en contactar con nosotros para resolver cualquier consulta!<\/strong><\/a><\/p>\n

      [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\u00bb1″ _builder_version=\u00bb4.27.4″ _module_preset=\u00bbdefault\u00bb custom_margin=\u00bb0px||0px||false|false\u00bb custom_padding=\u00bb0px||0px||false|false\u00bb locked=\u00bboff\u00bb global_colors_info=\u00bb{}\u00bb theme_builder_area=\u00bbpost_content\u00bb][et_pb_row _builder_version=\u00bb4.27.4″ _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb theme_builder_area=\u00bbpost_content\u00bb][et_pb_column type=\u00bb4_4″ _builder_version=\u00bb4.27.4″ _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb theme_builder_area=\u00bbpost_content\u00bb][et_pb_heading title=\u00bbNuestros servicios\u00bb _builder_version=\u00bb4.27.4″ _module_preset=\u00bb59f23acf-871d-49c6-956d-73d4e6c25233″ title_text_align=\u00bbcenter\u00bb title_text_color=\u00bbgcid-9fdfe294-7457-43ae-a094-acb99671e34b\u00bb custom_margin=\u00bb||13px|||\u00bb global_colors_info=\u00bb{%22gcid-9fdfe294-7457-43ae-a094-acb99671e34b%22:%91%22title_text_color%22%93}\u00bb theme_builder_area=\u00bbpost_content\u00bb][\/et_pb_heading][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=\u00bb1_4,1_4,1_4,1_4″ make_equal=\u00bbon\u00bb _builder_version=\u00bb4.27.4″ _module_preset=\u00bbdefault\u00bb custom_css_main_element=\u00bbalign-items:center;\u00bb global_colors_info=\u00bb{}\u00bb theme_builder_area=\u00bbpost_content\u00bb][et_pb_column type=\u00bb1_4″ _builder_version=\u00bb4.27.4″ _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb theme_builder_area=\u00bbpost_content\u00bb][et_pb_blurb title=\u00bbAlimentaci\u00f3n\u00bb url=\u00bbhttps:\/\/consumidors.org\/es\/alimentacion\/\u00bb image=\u00bbhttps:\/\/consumidors.org\/wp-content\/uploads\/2025\/07\/food.png\u00bb image_icon_width=\u00bb50%\u00bb image_icon_width_tablet=\u00bb40%\u00bb image_icon_width_phone=\u00bb35%\u00bb image_icon_width_last_edited=\u00bbon|phone\u00bb _builder_version=\u00bb4.27.4″ _module_preset=\u00bbdefault\u00bb header_font=\u00bbUrbanist||||||||\u00bb header_text_align=\u00bbcenter\u00bb header_text_color=\u00bb#2d2a6a\u00bb header_font_size=\u00bb25px\u00bb body_font=\u00bbInter||||||||\u00bb body_text_color=\u00bb#000000″ body_font_size=\u00bb16px\u00bb global_colors_info=\u00bb{}\u00bb theme_builder_area=\u00bbpost_content\u00bb]<\/p>\n

      Etiquetado correcto, condiciones \u00f3ptimas<\/span><\/p>\n

      [\/et_pb_blurb][\/et_pb_column][et_pb_column type=\u00bb1_4″ _builder_version=\u00bb4.27.4″ _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb theme_builder_area=\u00bbpost_content\u00bb][et_pb_blurb title=\u00bbSeguros\u00bb url=\u00bbhttps:\/\/consumidors.org\/es\/seguros\/\u00bb image=\u00bbhttps:\/\/consumidors.org\/wp-content\/uploads\/2025\/07\/note-book.png\u00bb image_icon_width=\u00bb50%\u00bb image_icon_width_tablet=\u00bb40%\u00bb image_icon_width_phone=\u00bb35%\u00bb image_icon_width_last_edited=\u00bbon|phone\u00bb _builder_version=\u00bb4.27.4″ _module_preset=\u00bbdefault\u00bb header_font=\u00bbUrbanist||||||||\u00bb header_text_align=\u00bbcenter\u00bb header_text_color=\u00bb#2d2a6a\u00bb header_font_size=\u00bb25px\u00bb body_font=\u00bbInter||||||||\u00bb body_text_color=\u00bb#000000″ body_font_size=\u00bb16px\u00bb global_colors_info=\u00bb{}\u00bb theme_builder_area=\u00bbpost_content\u00bb]<\/p>\n

      Incumplimientos, cuotas, denegaciones injustas\u2026<\/span><\/p>\n

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      Comercio online, Garant\u00edas, Empresas desconocidas\u2026<\/span><\/p>\n

      [\/et_pb_blurb][\/et_pb_column][et_pb_column type=\u00bb1_4″ _builder_version=\u00bb4.27.4″ _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb theme_builder_area=\u00bbpost_content\u00bb][et_pb_blurb title=\u00bbDerecho a la Segunda Oportunidad\u00bb url=\u00bbhttps:\/\/consumidors.org\/es\/derecho-a-la-segunda-oportunidad\/\u00bb image=\u00bbhttps:\/\/consumidors.org\/wp-content\/uploads\/2025\/07\/court-house.png\u00bb image_icon_width=\u00bb50%\u00bb image_icon_width_tablet=\u00bb40%\u00bb image_icon_width_phone=\u00bb35%\u00bb image_icon_width_last_edited=\u00bbon|phone\u00bb _builder_version=\u00bb4.27.4″ _module_preset=\u00bbdefault\u00bb header_font=\u00bbUrbanist||||||||\u00bb header_text_align=\u00bbcenter\u00bb header_text_color=\u00bb#2d2a6a\u00bb header_font_size=\u00bb25px\u00bb body_font=\u00bbInter||||||||\u00bb body_text_color=\u00bb#000000″ body_font_size=\u00bb16px\u00bb global_colors_info=\u00bb{}\u00bb theme_builder_area=\u00bbpost_content\u00bb]<\/p>\n

      Requisitos necesarios\u2026<\/span><\/p>\n

      [\/et_pb_blurb][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=\u00bb1_4,1_4,1_4,1_4″ _builder_version=\u00bb4.27.4″ _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb theme_builder_area=\u00bbpost_content\u00bb][et_pb_column type=\u00bb1_4″ _builder_version=\u00bb4.27.4″ _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb theme_builder_area=\u00bbpost_content\u00bb][et_pb_blurb title=\u00bbElectrodom\u00e9sticos\u00bb url=\u00bbhttps:\/\/consumidors.org\/electrodomestics\/\u00bb image=\u00bbhttps:\/\/consumidors.org\/wp-content\/uploads\/2025\/07\/outlet.png\u00bb image_icon_width=\u00bb50%\u00bb image_icon_width_tablet=\u00bb40%\u00bb image_icon_width_phone=\u00bb35%\u00bb image_icon_width_last_edited=\u00bbon|phone\u00bb _builder_version=\u00bb4.27.4″ _module_preset=\u00bbdefault\u00bb header_font=\u00bbUrbanist||||||||\u00bb header_text_align=\u00bbcenter\u00bb header_text_color=\u00bb#2d2a6a\u00bb header_font_size=\u00bb25px\u00bb body_font=\u00bbInter||||||||\u00bb body_text_color=\u00bb#000000″ body_font_size=\u00bb16px\u00bb global_colors_info=\u00bb{}\u00bb theme_builder_area=\u00bbpost_content\u00bb]<\/p>\n

      Productos defectuosos, Garant\u00edas\u2026<\/span><\/p>\n

      [\/et_pb_blurb][\/et_pb_column][et_pb_column type=\u00bb1_4″ _builder_version=\u00bb4.27.4″ _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb theme_builder_area=\u00bbpost_content\u00bb][et_pb_blurb title=\u00bbVivienda\u00bb url=\u00bbhttps:\/\/consumidors.org\/es\/vivienda\/\u00bb image=\u00bbhttps:\/\/consumidors.org\/wp-content\/uploads\/2025\/07\/home.png\u00bb image_icon_width=\u00bb50%\u00bb image_icon_width_tablet=\u00bb40%\u00bb image_icon_width_phone=\u00bb35%\u00bb image_icon_width_last_edited=\u00bbon|phone\u00bb _builder_version=\u00bb4.27.4″ _module_preset=\u00bbdefault\u00bb header_font=\u00bbUrbanist||||||||\u00bb header_text_align=\u00bbcenter\u00bb header_text_color=\u00bb#2d2a6a\u00bb header_font_size=\u00bb25px\u00bb body_font=\u00bbInter||||||||\u00bb body_text_color=\u00bb#000000″ body_font_size=\u00bb16px\u00bb global_colors_info=\u00bb{}\u00bb theme_builder_area=\u00bbpost_content\u00bb]<\/p>\n

      Venta, Alquiler, Seguros\u2026<\/p>\n

      [\/et_pb_blurb][\/et_pb_column][et_pb_column type=\u00bb1_4″ _builder_version=\u00bb4.27.4″ _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb theme_builder_area=\u00bbpost_content\u00bb][et_pb_blurb title=\u00bbServicios Bancarios y Financieros\u00bb url=\u00bbhttps:\/\/consumidors.org\/serveis-bancaris-i-financers\/\u00bb image=\u00bbhttps:\/\/consumidors.org\/wp-content\/uploads\/2025\/07\/money.png\u00bb image_icon_width=\u00bb50%\u00bb image_icon_width_tablet=\u00bb40%\u00bb image_icon_width_phone=\u00bb35%\u00bb image_icon_width_last_edited=\u00bbon|phone\u00bb _builder_version=\u00bb4.27.4″ _module_preset=\u00bbdefault\u00bb header_font=\u00bbUrbanist||||||||\u00bb header_text_align=\u00bbcenter\u00bb header_text_color=\u00bb#2d2a6a\u00bb header_font_size=\u00bb25px\u00bb body_font=\u00bbInter||||||||\u00bb body_text_color=\u00bb#000000″ body_font_size=\u00bb16px\u00bb global_colors_info=\u00bb{}\u00bb theme_builder_area=\u00bbpost_content\u00bb]<\/p>\n

      Clausulas, Tarjetas\u2026<\/span><\/p>\n

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      Luz, Gas, Agua, Facturaci\u00f3n, Contratos\u2026<\/span><\/p>\n

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      Accidentes, Reparaciones, Venta y Alquiler\u2026<\/p>\n<\/div>\n

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      A veces las deudas pueden tenernos ahogadas y ser un impedimento para el desarrollo de nuestra vida. Si crees que tienes demasiadas deudas y que nunca podr\u00e1s deshacerte de ellas debes tener en cuenta que existe el derecho a la segunda oportunidad. 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