“Start over in 2025 with the Second Chance Law and leave your debts behind!”
Take back control of your financial life today!
At Zero Debt we give you the opportunity to free yourself from the debts that weigh you down and start a new life. We understand how difficult it can be to deal with crushing debts. The Second Chance Law is a regulation that allows you to renegotiate or cancel your debts and start over.
We advise you for FREE.
Welcome to
Zero Debt
At Zero Debt , we are committed to helping you achieve financial freedom and leave the stress of debt behind. Our team of experts is dedicated to providing you with personalized and effective solutions so you can take control of your finances and build a strong, worry-free future.
Second Chance Law: Your Guide to Getting Out of Debt and Starting Over
The Second Chance Law, created in 2015 in Spain, allows individuals and self-employed workers to restructure or cancel their debts when they are in a state of insolvency. This law benefits those who cannot meet their financial obligations, providing them with a way to start over. It allows for the cancellation of debts such as personal loans, credit cards, and debts with suppliers, as long as certain requirements are met. The law aims to promote economic reintegration and prevent over-indebtedness.. Learn more about the law in the BOE.
WHAT IS THE SECOND CHANCE LAW?
Why choose us?
We understand and solve your financial concerns
Why choose Zero Debt?
At Zero Debt we offer you effective solutions to free yourself from your debts with flexible payment plans and personalized financial advice . Start a new life without financial worries.
Your situation, our solution
If you are overwhelmed by debts with the Treasury , Social Security , banks or credit cards , we can help you. Are you looking for a quick and effective solution? We understand your urgency and create a plan that adapts to your needs.
We understand your concern
Debt can be overwhelming and stressful. Do you receive constant calls from creditors ? Are you worried about repossessions or lawsuits ? We are here to help you overcome these obstacles.
Our Solution How Can We Help You?
FREE Personalized Financial Advice
At Zero Debt we offer personalized financial advice to help you solve your debt problems effectively. Our expert guidance is tailored to your specific situation, ensuring you receive the best advice possible.
Customized payment plans
We create custom payment plans based on each client's urgency. We know the process can take 6-12 months, but we offer monthly installment payment options . We help you design a plan that works for you, ensuring you can manage your debts sustainably.
Financial education
Learn to manage your finances with confidence and wisdom through our financial education . At Zero Debt , we believe in empowering our clients with the knowledge and tools necessary to take control of their financial future.
Our four-step process
1
Free consultation
Make an appointment with us.
2
Assessment
We collect all the necessary documentation.
3
Customized plan
We design a payment plan tailored to your needs.
4
Debt Release
We work to free you from your debts in 6 to 12 months
Success stories
“The experience with Zero Debt has been incredible. They have advised me expertly and have managed to exonerate me from 40,000 euros of debt. The support throughout the entire process has been exceptional. I couldn’t be more grateful.”
40,000€ less headaches
Learn about Inma's case
We free you from the chains of Debt, here at ZERO DEBTS
More information
“Thousands of citizens already trust our services to improve their quality of life. Join them and discover how Zero Debt can transform your financial future.”
What you will receive
Exceptional service
Personalized advice
Accessible advice for everyone
Request a consultationFrequently asked questions answered
In this section you will find answers to the most frequently asked questions.
The Second Chance Law is designed for individuals and self-employed workers who are in a state of insolvency and cannot meet their payment obligations. This includes those who have debts with at least two different creditors, such as financial institutions, suppliers, the tax agency, and social security..
To qualify for the Second Chance Law, it is necessary to meet certain requirements, such as not having been definitively sentenced for crimes against Social Security or workers in the last 10 years. Additionally, it must be demonstrated that the insolvency is in good faith and that there has been no attempt to evade payment obligations..
The Second Chance Law allows for the full cancellation of outstanding debts, stops garnishments and debt collection processes, and allows applicants to start over without the burden of previous debts. In addition, once the process is completed, the applicant is removed from the delinquency files.
