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Petition for exoneración del pasivo insatisfecho (discharge of unpaid debt), second chance (TRLC 486-502 + Ley 16/2022)

Petition for exoneración del pasivo insatisfecho (discharge of unpaid debt), second chance (TRLC 486-502 + Ley 16/2022) is filed with Juzgado de lo Mercantil del concurso - LexNET. 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 application 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 Mercantil handling the concurso, for individuals (consumers, self-employed or micro-businesses), for the exoneración del pasivo insatisfecho (second chance). Options: immediate discharge after liquidation, or with a 3-year payment plan. We quantify the debt that can and cannot be discharged (public-law debt to the AEAT/TGSS up to 10.000 €/authority, and maintenance/alimony debts, which cannot be discharged) and check the good-faith requirements under TRLC 487.

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
During the concurso, after liquidation or payment of claims against the insolvency estate (TRLC 488)
Where it is filed
Juzgado de lo Mercantil del concurso - LexNET ↗
What you receive
Application

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 exoneración del pasivo insatisfecho (discharge of unpaid debt), second chance (TRLC 486-502 + Ley 16/2022): how is it filed?

  1. 1Answer the questions (around 15 minutes).
  2. 2Payment of 899 € (legal representation and procurador included).
  3. 3We file the petition via LexNET through our procurador in the concurso and send you proof of filing.

Which documents do you need?

  • •Order declaring the concurso.
  • •Report of the insolvency administrator.
  • •Criminal record certificates.
  • •Evidence of income and assets.
  • •Payment plan, if that option is chosen.

Prerequisites we also handle for you

This procedure needs documents that we also obtain. If you are missing any, ask us for it here and come back once you have it:

Legal basis and things to bear in mind

  • Legal framework: TRLC 486-502 + Ley 16/2022.
  • Deadline: during the concurso.
  • Related procedures: procedimiento_concursal_voluntario, concurso_necesario_acreedor, acuerdo_extrajudicial_pagos_pn.

Petition for exoneración del pasivo insatisfecho (discharge of unpaid debt), second chance (TRLC 486-502 + Ley 16/2022): frequently asked questions

Petition for exoneración del pasivo insatisfecho (discharge of unpaid debt), second chance (TRLC 486-502 + Ley 16/2022): 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 exoneración del pasivo insatisfecho (discharge of unpaid debt), second chance (TRLC 486-502 + Ley 16/2022): how long does it take?

During the concurso, after liquidation or payment of claims against the insolvency estate (TRLC 488)

Petition for exoneración del pasivo insatisfecho (discharge of unpaid debt), second chance (TRLC 486-502 + Ley 16/2022): which documents do I need?

You need to have to hand: Order declaring the concurso., Report of the insolvency administrator., Criminal record certificates., Evidence of income and assets., Payment plan, if that option is chosen.. 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 del concurso - LexNET. 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 del concurso - LexNET ↗.

Shall we get started with «Petition for exoneración del pasivo insatisfecho (discharge of unpaid debt), second chance (TRLC 486-502 + Ley 16/2022)»?

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