Law 2ª Opportunity

At Pactum Legal, we offer a specialized service in the Second Chance Law, a legal tool that allows individuals who are in a situation of insolvency or over-indebtedness to obtain a second chance to start anew. This law is designed to help people who cannot meet their debts, providing a legal mechanism for restructuring or discharging them, so that they can restart their financial life without the burden of unsustainable debts.

Our mission is to guide you through this process efficiently, protecting your interests and helping you overcome this difficult situation, always with a personalized and close approach. Our specialized lawyers will explain all the legal aspects involved and support you in every phase of the process, ensuring that your rights are respected and that you can achieve a viable solution.

Our services in the area of the Second Chance Law include:

• Initial advice on the Second Chance Law: If you find yourself in a situation of over-indebtedness and do not know how to face your debts, we offer a detailed analysis of whether you can benefit from the Second Chance Law. We explain the requirements, advantages, and implications of this legal process.

• Debt restructuring: If possible, we help reach an agreement with your creditors to restructure your debts. This agreement may include the extension of deadlines, the reduction of interest, or the modification of the loan conditions, so that you can meet your obligations more reasonably.

• Debt discharge: If the debts are unsustainable and an agreement with the creditors cannot be reached, we can request the discharge of debts. This will allow you to free yourself from most of your debts, including the mortgage loan, as long as the requirements set by law are met. We examine your financial situation to assess if you are eligible to benefit from this discharge.

At Pactum Legal, we understand that facing a situation of over-indebtedness can be overwhelming and distressing. Our team of lawyers is committed to providing you with comprehensive support throughout the entire process of the Second Chance Law, so that you can obtain the financial relief you need and continue with your life without the weight of debts.