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What can a creditor do in insolvency proceedings? When a company or individual with whom you have an economic relationship enters insolvency proceedings, it is normal to feel uncertain: Will I lose my money? What steps should I take? Can I claim anything?The good news is that the law grants very specific rights to the creditor, … Read more
What is a living will? A living will, also called an advance directive, is a legal document in which a person records their preferences regarding medical treatments and health care for the event that, in the future, they are unable to express their wishes due to illness or incapacity. It is an essential tool to ensure that your wishes … Read more
Is it possible to disinherit a child in Catalonia? Yes, but only in very specific cases.In Catalonia, children and descendants are forced heirs: they have the right to receive the legítima (forced share), a minimum portion of the inheritance that cannot be withdrawn without a legal cause. Disinheritance is an exceptional measure and must meet strict requirements. What is … Read more
What is a digital will? A digital will is a document, created and stored in electronic format, in which a person records their last wishes, instructions, and succession decisions.It can include: Although it is still an evolving concept, its relevance grows as our lives — and our assets — become increasingly digitalized. Does a digital will have legal … Read more
What are claims against the insolvency estate? Within insolvency proceedings, there are different categories of claims, and one of the most important is claims against the insolvency estate. These are claims that: They have priority even over secured claims.They do not need to be included in the list of creditors and are paid at maturity, i.e., as they … Read more
What is a no-asset bankruptcy? A no-asset bankruptcy (concurso sin masa) is a type of insolvency proceeding intended for individuals or companies that do not have sufficient assets to cover even the basic costs of the bankruptcy proceeding.That is: there is no estate to pay fees, court costs, or creditors. The reform of the revised text of the … Read more
What is the Second Chance Law? The Second Chance Law allows individuals and self-employed workers to cancel all or part of their debts when they are unable to pay them.It is a legal mechanism included in the Consolidated Text of the Insolvency Law which, after the 2022 reform, has become more accessible, faster and more flexible. Its … Read more
When a person dies without having made a valid will, the law determines who their heirs are.This procedure is called intestate succession or inheritance without a will. It does not mean that the assets are lost or immediately pass to the State:the law provides a clear order of heirs and establishes the necessary procedures to distribute the estate. Who inherits … Read more
Where do I start after the death of a family member? The death of a loved one is an emotionally difficult time.Added to this is the need to carry out a series of legal and administrative procedures that many families are unaware of. This guide explains, clearly and in an orderly manner, what you need to do step … Read more