A new case in Spain to cancel the debt attracted attention to the inclusion of large amounts of money that a woman from Madrid was in particular, the state administration, in particular, More than 30,000 eurosIncluding debt data for the Tax Agency and the City Council Madrid.
Resolution issued by the commercial court No. 19 Madrid exceed the maximum limit of a public credit excuse This marks Spanish legislation, so the main woman was justified from a debt of 30,373 euros.
The point is especially important because the court decided to directly apply the Doctrine of the Court of the European Union (TJUE). This jurisprudence forces the state -member states in good faith to offer debtors in good faith Effective and not just symbolic cancellation From your debts, that which is often not executed if the roof of 10,000 euros is maintained to forgive debts with a farm or with social security.
Thus, this court puts communities into the national text, guaranteeing that the mechanism corresponds to its true goal: Allow to start all over again.
The history of the debtor
The history of the debtor is a representative of many others: after the long stage of unemployment, his situation led to a nervous disorder What prevented him from adapting to a new working environment, closing the door to the possibilities of reintegration in the market.
In this context of the exclusion, he went to a loan as the only way to survive, having accumulated debts that do not solve their situation, plunged him into A spiral of excessive indection and vulnerability.
This profile is extremely common among people who today are asking to take advantage of the second law on opportunities: citizens There are no goods without stable and caught income on public or financial debts generated in situations of extreme unreliability.
However, the Spanish legislation has still imposed restrictions that left forgiveness Part of the taxation itself: the publicThis field transformed such proposals as it, which justify all debts, including administrative, in valuable examples for the rest of the country’s courts.
Forgiveness procedure
The procedure was processed as a mass without masswhich allowed flexible processing. The court checked the good faith of the applicant, its cooperation and the lack of fraud, ultimately issuing an order that gives it the benefits of exemption from unsatisfied obligations (BEPI) without exception.
This resolution is already the 28th case of success of the Association of Assistance in Debt in Madrid for 2025 and is part of a growing trend: Judges prefer to apply European legislation more and more Directly so that the mechanisms of the second chance are really effective and affordable.
“These are people who did nothing bad, they just have no luck.”
The lawyer responsible for this case, Pepe Dominges, claims: “We are faced with daily reality: people who have not done anything bad are not lucky. And thanks to ships such as commercial 19 Madrid, European rights. He gives them a real, not a symbolic output. This type of decisions should note the jurisprudence course. “
“The law is to give decisions, and not to condemn the debt of life”
From the Bade Reference Association, an insurmountable person who directed the defense, each person caught in a similar situation is encouraged To consult if you can benefit from this mechanismThe field because, according to his legal team, “the law must give decisions, and not condemn the life of eternal duty.”
