At Prosperi Ordinas Abogados we handle these cases with great care because we know what lies behind them: sleepless nights, calls that never stop, anxiety and the constant feeling of not making ends meet. Our job as debt relief lawyers in Mallorca is to give you a safe space to understand your situation, study your case rigorously and guide you through a procedure that, handled well, can free you from your debts completely.
The Second Chance Law is, in essence, a mechanism for obtaining a discharge of debts, in full or in part, when a person is trapped in a financial situation they can no longer recover from.
It is not an automatic process, nor is it granted lightly. It requires showing good faith, providing documentation and following specific steps. But when it applies, it marks a turning point for the applicant: the end of a difficult chapter and the start of a new one, lighter and more humane. That is why it is so important to have by your side a debt cancellation lawyer who knows how to present the case and which details can make the difference in the Mallorca courts.
Our firm takes a very human approach to this procedure. Most of the people who come to us do not only bring bills: they bring stress, tiredness, fear, constant calls from creditors and the feeling that there is no way out.
That is why our work as debt relief lawyers in Mallorca goes beyond the formalities.
We study your situation calmly (debts, income and context) to give you a clear, realistic picture before starting any procedure.
We draw up a plan adapted to your case, prepare the documentation and take care of all the formalities so that the process moves forward smoothly.
We guide you through the whole procedure, answer your questions and keep you updated on every development so you feel supported at every step.
Not all law firms work with this law in the same way. The procedure requires sensitivity, technical knowledge and precision. Choosing a debt relief lawyer makes a difference because:
It significantly reduces errors in the case file.
It speeds up procedures.
It improves clarity in negotiations.
It provides legal certainty at all stages.
It avoids situations that could jeopardise the final discharge.
Furthermore, as we work from Mallorca, we know the local courts, their timings and the documentation that works best in each procedure.
Active Listening
Before we talk law, we listen to your story calmly. It is impossible for us to help you well without understanding what is troubling you, how you got here and what you hope to achieve.
Clarity
We explain the process in simple, straightforward words, so that you have a true picture of your options without any technicalities or false expectations.
Genuine Specialisation
Every day we handle cases involving Second Chance Law in Mallorca. We know which documents are key, which mistakes to avoid and how to present your case file to maximise your chances of success.
Guidance
We never leave you on your own. We keep you informed at every step, answer your questions straight away and handle the paperwork to spare you stress and unnecessary calls.
Legal Certainty
We review everything in detail so that the procedure moves forward without errors: documents, deadlines, supporting evidence and anything else that could affect your discharge.
Human Approach
We know that behind every debt there is an emotional toll. Our commitment is to guide you with respect, empathy and the peace of mind of knowing that you have a team by your side.
In this section you will find clear answers to the questions that often come up before starting a debt cancellation procedure. The idea is to give you a simple, realistic and easy-to-understand overview of how the Second Chance Law works and what you can expect from the process.
The Second Chance Law makes it possible to cancel many common debts in Mallorca:
Personal loans, credit and revolving cards, microcredits and quick loans, debts with financial institutions, debts from self-employment, guarantees given for family members, debts with suppliers and personal debts built up through unforeseen circumstances.
In some cases, the possibility of reducing or eliminating tax and social security debts may also be considered, provided that the requirements set out in the regulations are met.
As a debt cancellation lawyer , our job is to assess each of these debts and work out what percentage could be discharged.
One of the most common beliefs is that only people in extreme situations or with very high debts are eligible. The reality is different. The Second Chance Law is designed for individuals and the self-employed in Mallorca who meet these conditions:
They cannot realistically meet their debts, have acted in good faith and have not concealed assets, have not committed economic crimes, do not have sufficient assets to repay what they owe, and can prove actual income and expenses.
Each case has its own nuances and it is important to analyse them calmly. That is why, before starting the procedure, we carry out a detailed study to assess the feasibility and explain clearly what you could achieve.
Once the discharge is granted, the debts legally cease to exist and you can focus on rebuilding your finances. If you need further guidance (new procedures, questions or any additional steps), we are still here to help you.
Yes. Most people who start the process have different kinds of debt: loans, cards, microcredits or outstanding amounts from self-employment. The important thing is to analyse your whole situation and check that you really cannot afford those payments. That is the first step, and we take it with you from the start.
