{"id":1063,"date":"2023-07-15T11:35:06","date_gmt":"2023-07-15T09:35:06","guid":{"rendered":"https:\/\/regbu.com\/?p=1063"},"modified":"2025-09-05T07:41:17","modified_gmt":"2025-09-05T05:41:17","slug":"osobni-bankrot-jako-cesta-z-dluhu","status":"publish","type":"post","link":"https:\/\/regbu.com\/es\/banca-personal-para-salir-de-deudas\/","title":{"rendered":"La quiebra personal como salida a las deudas"},"content":{"rendered":"<p>La quiebra personal es una de las formas legales de salir de deudas. Si se excede con algunas de las <strong><a href=\"https:\/\/regbu.com\/es\/tipos-de-prestamos-informese-sobre-ellos\/\">tipos de pr\u00e9stamos<\/a><\/strong> y se endeuda m\u00e1s de lo que puede pagar, ah\u00ed es donde entra en juego el alivio de la deuda. A veces tambi\u00e9n se habla de quiebra personal.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Procedimiento de insolvencia<\/li>\n\n\n\n<li>Reembolso de parte del pasivo<\/li>\n\n\n\n<li>Detener el endeudamiento<\/li>\n<\/ul>\n\n\n\n<p>Este tipo de quiebra s\u00f3lo puede declararla un deudor que <em>es incapaz de pagar sus obligaciones a los acreedores<\/em>. Por supuesto, si quiere beneficiarse de esta opci\u00f3n, no debe tener activos importantes. Esto se debe a que pueden venderse para pagar pasivos. Por lo tanto, la quiebra personal no puede utilizarse con ninguna ventaja.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Quiebra personal y sus condiciones<\/h2>\n\n\n\n<p>La base de todo es, por tanto, la insolvencia financiera del deudor. Adem\u00e1s, hay otra serie de condiciones. \u00c9stas deben cumplirse, de lo contrario cualquier <strong>solicitud de condonaci\u00f3n de deuda<\/strong> ...lo negar\u00e1. Si quieres saber cu\u00e1les son los requisitos, lee la tabla que aparece a continuaci\u00f3n.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Asunto<\/strong><\/td><td><strong>Informaci\u00f3n<\/strong><\/td><\/tr><tr><td>N\u00famero de acreedores<\/td><td>Mayor cantidad<\/td><\/tr><tr><td>Deudas<\/td><td>Al menos 30 d\u00edas de retraso<\/td><\/tr><tr><td>Alivio de la deuda<\/td><td>Pago de 30 obligaciones % en 5 a\u00f1os<\/td><\/tr><tr><td>Alternativa a la reducci\u00f3n de la deuda<\/td><td>Amortizaci\u00f3n de 60 % en 3 a\u00f1os<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Informaci\u00f3n b\u00e1sica relacionada con la quiebra personal.<\/figcaption><\/figure>\n\n\n\n<p>Como las obligaciones legislativas cambian de vez en cuando, estas cifras pueden variar en cierta medida. Lo que est\u00e1 claro, sin embargo, es que con la ayuda de la quiebra personal puede sanear su situaci\u00f3n pagando solo una parte de sus deudas.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">M\u00e1s informaci\u00f3n<\/h3>\n\n\n\n<p>Cabe se\u00f1alar que este tipo de liquidaci\u00f3n de deudas se dirige principalmente a las personas f\u00edsicas, ya sean personas corrientes, consumidores o empresarios. No hay ninguna excepci\u00f3n <strong>condonaci\u00f3n de deudas matrimoniales<\/strong>que se realiza habitualmente. Para declarar la quiebra, todo debe ir precedido de la presentaci\u00f3n de una solicitud de auto de quiebra. Se encomienda a las personas encargadas de su tramitaci\u00f3n, ya que debe contener los elementos adecuados.<\/p>\n\n\n\n<p>La quiebra personal puede, por supuesto, ser desestimada. Siempre que no se cumplan todas las condiciones legales. O se demuestre intenci\u00f3n deshonesta. En la quiebra personal, el deudor se prepara para mantener s\u00f3lo el nivel m\u00ednimo de subsistencia y el resto se destina a pagar las deudas. Una parte de las deudas tambi\u00e9n se saldar\u00e1 con la venta de activos.<\/p>","protected":false},"excerpt":{"rendered":"<p>La quiebra personal es una de las formas legales de salir de deudas. Si se excede con ciertos tipos de pr\u00e9stamos y acaba teniendo m\u00e1s deudas de las que puede devolver, entra en juego la quiebra personal. A veces tambi\u00e9n se habla de quiebra personal. Este tipo de quiebra s\u00f3lo puede declararla un deudor que no pueda pagar a sus acreedores. ... <\/p>","protected":false},"author":2,"featured_media":1064,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[1138,665,1143,326,1140,1141,1139,1137,331,1142],"class_list":["post-1063","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-bankrot","tag-dluhy","tag-dluznik","tag-finance","tag-insolvence","tag-insolvencni-rizeni","tag-oddluzeni","tag-osobni-bankrot","tag-penize","tag-veritele"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Osobn\u00ed bankrot jako cesta z\u00a0dluh\u016f - REGBU.COM<\/title>\n<meta name=\"description\" content=\"Osobn\u00ed bankrot je jednou z mo\u017enost\u00ed, jak se oddlu\u017eit. 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