At RELAW, we review your situation and help you find out whether you can use the Second Chance Law to have your debts written off and make a fresh start
What types of debt do we review?
If debt has become a constant problem, we can review your situation and assess whether there is a legal solution that could help you.
Revolving credit cards
Your debt keeps growing even though you make payments every month. If you feel you can never get out of debt, we can review your situation.
Personal loans
Repayments are piling up, your income is not what it used to be, and keeping up with payments gets harder every month.
Quick loans
You borrowed money to get through a difficult time, and now you have several loans that have become a burden you struggle to manage.
Car finance
You can no longer keep up with your car payments, or you are being pursued for a debt linked to finance you can no longer afford.
Mortgages or mortgage debt
Your home, a foreclosure or an outstanding mortgage debt continues to affect your peace of mind and finances.
Wage garnishment
You are worried about your wages being garnished, or money is already being deducted from your pay and you do not know what your options are.
ASNEF or debtor registers
Being listed on a debtor register can close many doors and make your situation seem even more difficult.
Debt for the self-employed
Your business did not go as planned, and you are now carrying debts that affect both your work and your personal life.
Borrowing to repay other loans
When one debt forces you to take on another to keep going, it is easy to fall into a cycle that seems impossible to escape on your own.
Not sure whether your case qualifies?
How can we help you?
The Second Chance Law allows people who cannot repay their debts to apply to the courts to have them written off, provided they meet certain requirements.
We review your situation
We review your debts, income, creditors, potential garnishments or asset seizures, and available documents.
We assess whether you qualify
We assess whether your case may qualify under the Second Chance Law and what steps would be needed.
We support you through the process
If you decide to proceed, we guide you through the process of applying for your debts to be discharged.
This is not about promising a magic solution, but about finding out whether there is a real way to help you move beyond debt you can no longer manage.
Request a no-obligation assessment
Before you make any decisions, we review your situation and explain whether the Second Chance Law could be an option for you.
Why choose RELAW
Many law firms offer this service. We focus on a combination we believe is essential: legal expertise, a personal approach and compassionate support.
Specialist expertise
We work on insolvency proceedings and cases under the Second Chance Law.
Clarity
We explain every step in clear, straightforward language.
A personal approach
We know that behind every debt is a person who needs help.
Support throughout Spain
We can assess and handle your case online.
At RELAW, you are more than just another case file. We want to help you regain peace of mind and make a fresh start.
Your questions answered
It is a legal procedure that allows people who cannot repay their debts to apply to the courts to have them written off, provided they meet certain requirements.
It depends on your situation, the type of debt and whether you meet the legal requirements. That is why it is important to assess each case before promising any outcome.
Having your wages garnished or your assets seized does not mean there is no way forward. At RELAW, we review your situation to assess whether the Second Chance Law could help you address the problem.
Yes, these types of debt can be included in the assessment. What matters is looking at your situation as a whole: debts, income, creditors, garnishments or asset seizures, and available documents.
The cost depends on the complexity of the case, the number of creditors, the available documents and other factors. Before we begin, we review your situation and give you a quote tailored to your case.
Each case is assessed individually. During the initial review, we can explain the quote and the possible payment arrangements.
qualify, but the viability of the case must be assessed individually.
Yes. We help people throughout Spain, and much of the process can be handled remotely. At RELAW, we can assess your case wherever you are, explain the steps and support you through the process without location being a barrier.
If you are carrying debt you can no longer manage, consider a legal solution before putting the problem off any longer.
