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Petition for concurso de acreedores (insolvency proceedings) of a non-trader individual (TRLC arts. 2-3 + 486-502 EPI)

Petition for concurso de acreedores (insolvency proceedings) of a non-trader individual (TRLC arts. 2-3 + 486-502 EPI) is filed with Juzgado de lo Mercantil / Primera Instancia. With Managora you do it 100% online: you answer a few questions, sign a digital mandato (power of representation) and we draft, sign and file your demanda (claim) for you. Estimated total cost: €899. Official tasa (government fee): Individuals: EXEMPT from the tasa judicial (court fee) (art. 4.2.a of Ley 10/2012). Legal entities: tasa judicial according to the type of proceedings and the amount claimed. We provide the procurador (court agent) and the barrister ourselves: the procurador's fee scale (RD 1373/2003) is advanced on your behalf as a suplido (disbursement) and passed on to you free of VAT, according to the amount of the claim. It does not include expert witnesses or the other party's costs if the court orders you to pay them.

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Petition to the Juzgado de lo Mercantil/Primera Instancia (Commercial Court/Juzgado de 1ª instancia (Court of First Instance)) for a declaration of concurso de acreedores of an individual who is NOT a trader or a professional. Direct voluntary concurso, consecutive concurso following a failed out-of-court payment agreement (acuerdo extrajudicial de pagos, TRLC 695), or compulsory concurso at a creditor's request. Optional: a request for exoneración del pasivo insatisfecho (discharge of unpaid debt, EPI, TRLC 486-502) to release debts after liquidation. The Ley 16/2022 reform simplifies the procedure.

What we charge you
€899
Managora's fee
€898.99 (21% VAT incl.)
Tasa (official government fee)
Individuals: EXEMPT from the tasa judicial (court fee) (art. 4.2.a of Ley 10/2012). Legal entities: tasa judicial according to the type of proceedings and the amount claimed. We provide the procurador (court agent) and the barrister ourselves: the procurador's fee scale (RD 1373/2003) is advanced on your behalf as a suplido (disbursement) and passed on to you free of VAT, according to the amount of the claim. It does not include expert witnesses or the other party's costs if the court orders you to pay them. (suplido: paid to the authority on your behalf, no VAT)
Processing time
2 months from insolvency (TRLC 14)
Where it is filed
Juzgado de lo Mercantil / Primera Instancia ↗
What you receive
Demanda (court claim)

Cost breakdown: Our fee 899 € (21% VAT incl., legal representation (dirección letrada) and procurador included). Individuals are exempt from the tasa judicial; legal entities add the tasa according to the amount claimed. Expert witnesses and the other party's costs, if any, are separate..

Petition for concurso de acreedores (insolvency proceedings) of a non-trader individual (TRLC arts. 2-3 + 486-502 EPI): how is it filed?

  1. 1Answer the questions (around 14 minutes).
  2. 2Payment of 899 € (legal representation and procurador included).
  3. 3We hand you the petition ready for the Juzgado de lo Mercantil/Primera Instancia.

Which documents do you need?

  • •Detailed list of creditors and claims.
  • •Inventory of assets and rights.
  • •Financial and legal report (memoria).
  • •Evidence of the insolvency.
  • •If there was a prior AEP (out-of-court payment agreement): the closing certificate of the insolvency mediator.

Legal basis and things to bear in mind

  • Legal framework: TRLC (RDLeg 1/2020) + Ley 16/2022.
  • A route to the EPI (discharge of unpaid debt) for individuals acting in good faith.
  • Related procedures: demanda_responsabilidad_concursal, demanda_reintegracion_concursal.

Petition for concurso de acreedores (insolvency proceedings) of a non-trader individual (TRLC arts. 2-3 + 486-502 EPI): frequently asked questions

Petition for concurso de acreedores (insolvency proceedings) of a non-trader individual (TRLC arts. 2-3 + 486-502 EPI): how much does it cost?

We charge you €899: our fee plus, where applicable, the fixed official tasa we advance. Our fee 899 € (21% VAT incl., legal representation (dirección letrada) and procurador included). Individuals are exempt from the tasa judicial; legal entities add the tasa according to the amount claimed. Expert witnesses and the other party's costs, if any, are separate.. Managora's fee is €898.99, 21% VAT included (€742.97 net + €156.02 VAT). The official tasa charged by the authority (a suplido paid on your behalf, no VAT) is: Individuals: EXEMPT from the tasa judicial (court fee) (art. 4.2.a of Ley 10/2012). Legal entities: tasa judicial according to the type of proceedings and the amount claimed. We provide the procurador (court agent) and the barrister ourselves: the procurador's fee scale (RD 1373/2003) is advanced on your behalf as a suplido (disbursement) and passed on to you free of VAT, according to the amount of the claim. It does not include expert witnesses or the other party's costs if the court orders you to pay them..

Petition for concurso de acreedores (insolvency proceedings) of a non-trader individual (TRLC arts. 2-3 + 486-502 EPI): how long does it take?

2 months from insolvency (TRLC 14)

Petition for concurso de acreedores (insolvency proceedings) of a non-trader individual (TRLC arts. 2-3 + 486-502 EPI): which documents do I need?

You need to have to hand: Detailed list of creditors and claims., Inventory of assets and rights., Financial and legal report (memoria)., Evidence of the insolvency., If there was a prior AEP (out-of-court payment agreement): the closing certificate of the insolvency mediator.. You do not upload them here: we collect the details through the guided chat.

Who files the procedure?

Managora files it in your name with Juzgado de lo Mercantil / Primera Instancia. You only provide the details through the chat and sign a mandato (power of representation); we prepare, sign and register it.

Can it be done online?

Yes. The whole process is online: you answer a few questions in the guided chat, sign a simple mandato on screen and receive the receipt and the official documents by email, with full legal validity.

Related procedures

Based on the legislation in force and on the official site of the competent authority: Juzgado de lo Mercantil / Primera Instancia ↗.

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