This group of lawyers has a presence in all the Canary Islands, with the name 'Cancelamos tu deuda en Canarias', which was created after deciding to specialize in services to people with difficulties to pay their debts. As a result of this activity, they have carried out the procedures for many clients in a very short time, achieving for the moment the cancellation of debts for an amount exceeding half a million euros.
The founder of this network is Margarita Ramos Topham (Gran Canaria) who has a group formed by the lawyers Santiago Sáenz (Tenerife), Raquel Socas (Lanzarote) Jacobo Álvarez, (Fuerteventura) José Jaubert (La Palma) and Yáremi Padrón. (El Hierro) From the first network of lawyers specializing in canceling debts created in the Canary Islands, different tools are offered with which to alleviate the drowning situation that the client is experiencing or even cancel debts. All the lawyers of the Network are connected through a virtual office developed with cutting-edge technology in the legal sector. Likewise, this network makes monthly donations to different entities to contribute to social initiatives.
Raquel Socas Vega, lawyer in Lanzarote
First free consultation without obligation.
To manage the cases, it is important to know that the client must be in a situation of insolvency or imminent insolvency and be able to provide the service offered in Cancelamos tu deuda en Canarias. Hence, this network of lawyers distinguishes different client profiles. Firstly, individuals without business activity who show over-indebtedness are working for others or are unemployed or inactive. These are people who, with the income they have, cannot cover their basic needs. For these clients, a personalized study of each circumstance is carried out and the viability of the application of the Second Chance Law is analyzed.
Likewise, company directors who normally have the obligation to guarantee loans and who bear the burden of complying with payments can benefit from this Law, after complying with a series of requirements and certain specific circumstances occur. On the other hand, there are individuals with business activity, generally self-employed professionals who, in the exercise of their functions, have found themselves with a financial burden that overwhelms them and does not allow them to continue with their activity.
The application of the second chance law will allow them to get out of the financial stagnation that has been generated, as well as continue with their activity without the obligation to liquidate the essential assets for it. It is common for this client profile to have debts with the Treasury or Social Security, so the regulatory change that comes into force on September 1, 2020 may affect them. Currently, the treatment that the Commercial Judges will give to this type of debt is unknown, a question that will be verified with the judgments that arise, but from Cancelamos tu deuda en Canarias they are preparing legal arguments that the judges should take into account so that this type of debt is included in the exoneration of unsatisfied liabilities.
Finally, there are the companies, whose legal entities can regularize their economic and financial situation or liquidate legally and definitively through bankruptcy proceedings. Sometimes making the decision is not an easy process but it is necessary to be able to continue with the activity or act with the diligence of an administrator. Within the process there are different alternatives that can be very useful and beneficial such as requesting pre-bankruptcy, or an express bankruptcy, or the transfer of the business. All of them protected under the supervision of the judge and, in some cases, by the bankruptcy administrator.
Cancelamos tu deuda en Canarias has a free telephone number that you can call and get advice and find your Second Chance. 900 730 212
