{"id":92961,"date":"2025-09-10T11:15:24","date_gmt":"2025-09-10T09:15:24","guid":{"rendered":"https:\/\/lladogrup.com\/?p=92961"},"modified":"2025-09-10T11:15:25","modified_gmt":"2025-09-10T09:15:25","slug":"cancelar-legalmente-deudas","status":"publish","type":"post","link":"https:\/\/lladogrup.com\/es\/cancelar-legalmente-deudas\/","title":{"rendered":"\u00bfPuedo cancelar legalmente mis deudas?"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row css=\u00bb.vc_custom_1631109896967{padding-bottom: 20px !important;}\u00bb][vc_column][vc_column_text css=\u00bb\u00bb]<\/p>\n<p style=\"text-align: justify;\"><b>En Espa\u00f1a desde 2015 es posible cancelar las deudas legalmente, y el principal mecanismo para conseguirlo es a trav\u00e9s de la Ley de la Segunda Oportunidad. Una ley que permite a las personas f\u00edsicas sean particulares y aut\u00f3nomos, que se encuentren en una situaci\u00f3n de insolvencia econ\u00f3mica, poder cancelar un aparte o la totalidad de sus deudas.\u00a0<\/b><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">La<\/span> <a href=\"https:\/\/lladogrup.com\/es\/microsites\/segunda-oportunidad\/\" target=\"_blank\" rel=\"noopener\"><b>Ley de la Segunda Oportunidad<\/b><\/a><span style=\"font-weight: 400;\"> es un proceso legal complejo que incluye un procedimiento t\u00e9cnico denominado<\/span><b> Exoneraci\u00f3n del Pasivo Insatisfecho (EPI)<\/b><span style=\"font-weight: 400;\">, permitiendo a la persona insolvente poder empezar de cero financieramente y proteger los derechos de sus acreedores.<\/span><\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row css=\u00bb.vc_custom_1631109896967{padding-bottom: 20px !important;}\u00bb][vc_column][vc_btn title=\u00bbAsesoramiento Segunda Oportunidad\u00bb color=\u00bbdanger\u00bb size=\u00bblg\u00bb align=\u00bbcenter\u00bb i_icon_fontawesome=\u00bbfa fa-solid fa-computer-mouse\u00bb css=\u00bb.vc_custom_1757495388406{margin-bottom: 40px !important;}\u00bb add_icon=\u00bbtrue\u00bb link=\u00bburl:https%3A%2F%2Flladogrup.com%2Fes%2Fmicrosites%2Fsegunda-oportunidad%2F|target:_blank\u00bb][\/vc_column][\/vc_row][vc_row css=\u00bb.vc_custom_1631109361052{padding-bottom: 20px !important;}\u00bb][vc_column]<div id=\"ultimate-heading-884069d04ed49555d\" class=\"uvc-heading ult-adjust-bottom-margin ultimate-heading-884069d04ed49555d uvc-2908 \" data-hspacer=\"no_spacer\"  data-halign=\"left\" style=\"text-align:left\"><div class=\"uvc-heading-spacer no_spacer\" style=\"top\"><\/div><div class=\"uvc-main-heading ult-responsive\"  data-ultimate-target='.uvc-heading.ultimate-heading-884069d04ed49555d h2'  data-responsive-json-new='{\"font-size\":\"desktop:24px;\",\"line-height\":\"\"}' ><h2 style=\"font-weight:bold;color:#fe5d3a;margin-bottom:20px;\">\u00bfQu\u00e9 significa Exoneraci\u00f3n del Pasivo Insatisfecho (EPI)?<\/h2><\/div><\/div>[vc_column_text css=\u00bb\u00bb]<\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">La <\/span><b>Exoneraci\u00f3n del Pasivo Insatisfecho (EPI)<\/b><span style=\"font-weight: 400;\"> es un mecanismo legal, contemplado en la Ley de la Segunda Oportunidad, que permite a una persona f\u00edsica (ya sea particular, aut\u00f3nomo o empresario) cancelar la mayor parte de sus deudas cuando se encuentra en una situaci\u00f3n de insolvencia y no puede hacer frente a ellas.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">El objetivo principal de este beneficio es ofrecer a los deudores una nueva oportunidad para empezar de cero financieramente, liber\u00e1ndolos de la <\/span><b>carga de las deudas que no pueden pagar.<\/b><\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row gap=\u00bb20&#8243;][vc_column width=\u00bb2\/3&#8243;][vc_single_image image=\u00bb92955&#8243; img_size=\u00bbfull\u00bb css=\u00bb\u00bb][\/vc_column][vc_column width=\u00bb1\/3&#8243;]<div id=\"ultimate-heading-809969d04ed49562f\" class=\"uvc-heading ult-adjust-bottom-margin ultimate-heading-809969d04ed49562f uvc-5599  uvc-heading-default-font-sizes\" data-hspacer=\"no_spacer\"  data-halign=\"center\" style=\"text-align:center\"><div class=\"uvc-heading-spacer no_spacer\" style=\"top\"><\/div><div class=\"uvc-main-heading ult-responsive\"  data-ultimate-target='.uvc-heading.ultimate-heading-809969d04ed49562f h3'  data-responsive-json-new='{\"font-size\":\"\",\"line-height\":\"\"}' ><h3 style=\"font-weight:bold;color:#fe5d3a;\">Subscr\u00edbete a nuestra newsletter<\/h3><\/div><\/div>\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f87567-o1\" lang=\"ca\" dir=\"ltr\" data-wpcf7-id=\"87567\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/es\/wp-json\/wp\/v2\/posts\/92961#wpcf7-f87567-o1\" method=\"post\" class=\"wpcf7-form init 98099fcddabd cmatic-conn cmatic-aud-0 cmatic-mapd0-0 cmatic-v0976 cmatic-sent-0 cmatic-total-529\" aria-label=\"Formulari de contacte\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"87567\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.5\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"ca\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f87567-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/><input type=\"hidden\" name=\"_wpcf7_recaptcha_response\" value=\"\" \/>\n<\/fieldset>\n<p><label> El nombre*<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" value=\"Escribe tu nombre\" type=\"text\" name=\"your-name\" \/><\/span> <\/label>\n<\/p>\n<p><label> El correo electr\u00f3nico*<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email\" aria-required=\"true\" aria-invalid=\"false\" value=\"Tu correo\" type=\"email\" name=\"your-email\" \/><\/span> <\/label>\n<\/p>\n<p><span class=\"wpcf7-form-control-wrap\" data-name=\"acceptance-133\"><span class=\"wpcf7-form-control wpcf7-acceptance\"><span class=\"wpcf7-list-item\"><input type=\"checkbox\" name=\"acceptance-133\" value=\"1\" aria-invalid=\"false\" \/><\/span><\/span><\/span> Acepto la <a href=\"https:\/\/lladogrup.com\/es\/politica-de-privacidad\/\">Pol\u00edtica de Privacidad<\/a>\n<\/p>\n<p><span class=\"wpcf7-form-control-wrap\" data-name=\"acceptance-476\"><span class=\"wpcf7-form-control wpcf7-acceptance optional\"><span class=\"wpcf7-list-item\"><input type=\"checkbox\" name=\"acceptance-476\" value=\"1\" aria-invalid=\"false\" \/><\/span><\/span><\/span> Acepto recibir comunicaciones informativas y promocionales de Llad\u00f3 Grup Consultor.\n<\/p>\n<p><span style=\"margin-top: 10px;\"><\/span>\n<\/p>\n<p><span style=\"margin-bottom: 10px;\"><\/span>\n<\/p>\n<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"Enviar\" \/>\n<\/p><p style=\"display: none !important;\" class=\"akismet-fields-container\" data-prefix=\"_wpcf7_ak_\"><label>&#916;<textarea name=\"_wpcf7_ak_hp_textarea\" cols=\"45\" rows=\"8\" maxlength=\"100\"><\/textarea><\/label><input type=\"hidden\" id=\"ak_js_1\" name=\"_wpcf7_ak_js\" value=\"219\"\/><script>document.getElementById( \"ak_js_1\" ).setAttribute( \"value\", ( new Date() ).getTime() );<\/script><\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n[\/vc_column][\/vc_row][vc_row css=\u00bb.vc_custom_1631109361052{padding-bottom: 20px !important;}\u00bb][vc_column]<div id=\"ultimate-heading-570369d04ed49ea1d\" class=\"uvc-heading ult-adjust-bottom-margin ultimate-heading-570369d04ed49ea1d uvc-4507 \" data-hspacer=\"no_spacer\"  data-halign=\"left\" style=\"text-align:left\"><div class=\"uvc-heading-spacer no_spacer\" style=\"top\"><\/div><div class=\"uvc-main-heading ult-responsive\"  data-ultimate-target='.uvc-heading.ultimate-heading-570369d04ed49ea1d h2'  data-responsive-json-new='{\"font-size\":\"desktop:24px;\",\"line-height\":\"\"}' ><h2 style=\"font-weight:bold;color:#fe5d3a;margin-bottom:20px;\">Requisitos para acogerse a la Exoneraci\u00f3n del Pasivo Insatisfecho<\/h2><\/div><\/div>[vc_column_text css=\u00bb\u00bb]<\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Para poder solicitar la exoneraci\u00f3n, el deudor debe cumplir con una serie de condiciones:<\/span><\/p>\n<ul>\n<li style=\"text-align: justify;\"><b>Ser persona f\u00edsica: <\/b><span style=\"font-weight: 400;\">Se pueden acoger a la <\/span><b>\u00a0Exoneraci\u00f3n del Pasivo Insatisfecho, <\/b><span style=\"font-weight: 400;\">personas f\u00edsicas, ya sean particulares o aut\u00f3nomos. Las personas jur\u00eddicas (empresas) cuentan con otros mecanismos como el concurso de acreedores.<\/span><\/li>\n<li style=\"text-align: justify;\"><b>Estar en situaci\u00f3n de insolvencia:<\/b><span style=\"font-weight: 400;\"> Es decir, no poder cumplir regularmente con sus obligaciones de pago.\u00a0<\/span><\/li>\n<li style=\"text-align: justify;\"><b>Actuar de buena fe:<\/b><span style=\"font-weight: 400;\"> Requisito fundamental que implica que el deudor no haya actuado de forma fraudulenta y por lo tanto, no haya proporcionado informaci\u00f3n falsa o enga\u00f1osa.<\/span><\/li>\n<li style=\"text-align: justify;\"><b>No haberse acogido a la\u00a0 Exoneraci\u00f3n del Pasivo Insatisfecho (EPI)\u00a0 recientemente: <\/b><span style=\"font-weight: 400;\">El deudor no puede haber obtenido este beneficio en los 2 o 5 a\u00f1os anteriores, dependiendo de la modalidad de exoneraci\u00f3n.<\/span><\/li>\n<li style=\"list-style-type: none;\"><\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row full_width=\u00bbstretch_row\u00bb bg_type=\u00bbimage\u00bb bg_override=\u00bbfull\u00bb css=\u00bb.vc_custom_1752158905311{margin-bottom: 30px !important;background-color: #FFF2ED !important;}\u00bb][vc_column][vc_row_inner css=\u00bb.vc_custom_1752158924313{margin-bottom: 30px !important;}\u00bb][vc_column_inner][vc_column_text css=\u00bb\u00bb]<\/p>\n<h3 class=\"form-control second-textarea\" style=\"text-align: center;\"><strong>\u00bfTienes dudas sobre acogerse a la Segunda Oportunidad?<\/strong><\/h3>\n<p>[\/vc_column_text]\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f4-o2\" lang=\"es-ES\" dir=\"ltr\" data-wpcf7-id=\"4\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/es\/wp-json\/wp\/v2\/posts\/92961#wpcf7-f4-o2\" method=\"post\" class=\"wpcf7-form init 98099fcddabd cmatic-conn cmatic-aud-0 cmatic-mapd0-0 cmatic-v0976 cmatic-sent-0 cmatic-total-529\" aria-label=\"Formulario de contacto\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"4\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.5\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"es_ES\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f4-o2\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/><input type=\"hidden\" name=\"_wpcf7_recaptcha_response\" value=\"\" \/>\n<\/fieldset>\n<p><label>Nombre*<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Escribe tu nombre y apellidos\" value=\"\" type=\"text\" name=\"your-name\" \/><\/span><\/label>\n<\/p>\n<p><label>Email*<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Tu correo electr\u00f3nico\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span><\/label>\n<\/p>\n<p><label>Tel\u00e9fono*<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"llado-tel\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-tel wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-tel\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Tu Tel\u00e9fono\" value=\"\" type=\"tel\" name=\"llado-tel\" \/><\/span><\/label>\n<\/p>\n<p><label>Mensaje<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"llado-mensaje\"><textarea cols=\"40\" rows=\"5\" maxlength=\"2000\" class=\"wpcf7-form-control wpcf7-textarea wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Motivo de la consulta\" name=\"llado-mensaje\"><\/textarea><\/span><\/label>\n<\/p>\n<p><span class=\"wpcf7-form-control-wrap\" data-name=\"acceptance-272\"><span class=\"wpcf7-form-control wpcf7-acceptance\"><span class=\"wpcf7-list-item\"><input type=\"checkbox\" name=\"acceptance-272\" value=\"1\" aria-invalid=\"false\" \/><\/span><\/span><\/span> He le\u00eddo y acepto la <a href=\"https:\/\/lladogrup.com\/es\/politica-de-privacidad\/\">Pol\u00edtica de Privacidad<\/a>\n<\/p>\n<p><span class=\"wpcf7-form-control-wrap\" data-name=\"acceptance-423\"><span class=\"wpcf7-form-control wpcf7-acceptance optional\"><span class=\"wpcf7-list-item\"><input type=\"checkbox\" name=\"acceptance-423\" value=\"1\" aria-invalid=\"false\" \/><\/span><\/span><\/span> Acepto recibir informaci\u00f3n sobre las actividades, servicios y productos de Llad\u00f3 Grup Consultor.\n<\/p>\n<p><span style=\"margin-top: 10px;\"><\/span>\n<\/p>\n\n<p><span style=\"margin-bottom: 10px;\"><\/span>\n<\/p>\n<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"Enviar\" \/>\n<\/p><p style=\"display: none !important;\" class=\"akismet-fields-container\" data-prefix=\"_wpcf7_ak_\"><label>&#916;<textarea name=\"_wpcf7_ak_hp_textarea\" cols=\"45\" rows=\"8\" maxlength=\"100\"><\/textarea><\/label><input type=\"hidden\" id=\"ak_js_2\" name=\"_wpcf7_ak_js\" value=\"130\"\/><script>document.getElementById( \"ak_js_2\" ).setAttribute( \"value\", ( new Date() ).getTime() );<\/script><\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n[\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css=\u00bb.vc_custom_1631109361052{padding-bottom: 20px !important;}\u00bb][vc_column]<div id=\"ultimate-heading-464569d04ed49fca4\" class=\"uvc-heading ult-adjust-bottom-margin ultimate-heading-464569d04ed49fca4 uvc-560 \" data-hspacer=\"no_spacer\"  data-halign=\"left\" style=\"text-align:left\"><div class=\"uvc-heading-spacer no_spacer\" style=\"top\"><\/div><div class=\"uvc-main-heading ult-responsive\"  data-ultimate-target='.uvc-heading.ultimate-heading-464569d04ed49fca4 h2'  data-responsive-json-new='{\"font-size\":\"desktop:24px;\",\"line-height\":\"\"}' ><h2 style=\"font-weight:bold;color:#fe5d3a;margin-bottom:20px;\">Modalidades de Exoneraci\u00f3n del Pasivo Insatisfecho<\/h2><\/div><\/div>[vc_column_text css=\u00bb\u00bb]<span style=\"font-weight: 400;\">Existen dos principales modalidades para obtener la Exoneraci\u00f3n del Pasivo Insatisfecho:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400; text-align: justify;\" aria-level=\"1\"><b>Exoneraci\u00f3n con liquidaci\u00f3n de la masa activa<\/b><span style=\"font-weight: 400;\">: Modalidad en la que el deudor liquida todo su patrimonio (sus bienes y derechos) para pagar a sus acreedores. Una vez vendidos los bienes, el resto de la deuda que queda sin pagar es exonerada de forma definitiva e inmediata.<\/span><\/li>\n<li style=\"font-weight: 400; text-align: justify;\" aria-level=\"1\"><b>Exoneraci\u00f3n con plan de pagos<\/b><span style=\"font-weight: 400;\">:Modalidad que permite al deudor conservar ciertos bienes (como su vivienda habitual o su veh\u00edculo) a cambio de un plan de pagos a los acreedores, que suele durar de 3 a 5 a\u00f1os. Una vez que el deudor cumple con el plan de pagos, la deuda restante es exonerada de forma definitiva.<\/span><\/li>\n<\/ol>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row css=\u00bb.vc_custom_1631109361052{padding-bottom: 20px !important;}\u00bb][vc_column]<div id=\"ultimate-heading-633869d04ed49fd3e\" class=\"uvc-heading ult-adjust-bottom-margin ultimate-heading-633869d04ed49fd3e uvc-4169 \" data-hspacer=\"no_spacer\"  data-halign=\"left\" style=\"text-align:left\"><div class=\"uvc-heading-spacer no_spacer\" style=\"top\"><\/div><div class=\"uvc-main-heading ult-responsive\"  data-ultimate-target='.uvc-heading.ultimate-heading-633869d04ed49fd3e h2'  data-responsive-json-new='{\"font-size\":\"desktop:24px;\",\"line-height\":\"\"}' ><h2 style=\"font-weight:bold;color:#fe5d3a;margin-bottom:20px;\">C\u00f3mo puede ayudarte el equipo de Llad\u00f3 Grup Consultor<\/h2><\/div><\/div>[vc_column_text css=\u00bb\u00bb]<\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">El objetivo principal de un <\/span><a href=\"https:\/\/lladogrup.com\/es\/microsites\/segunda-oportunidad\/\"><b>asesoramiento legal especializado en la ley de la Segunda Oportunidad<\/b><\/a><span style=\"font-weight: 400;\">, es poder <\/span><b>cancelar las deudas<\/b><span style=\"font-weight: 400;\"> de forma legal y te permite empezar financieramente de nuevo desde cero. Desde <\/span><b>Llad\u00f3 Grup Consultor <\/b><span style=\"font-weight: 400;\">te<\/span> <span style=\"font-weight: 400;\">ofrecemos el <\/span><b>asesoramiento<\/b> <b>de un abogado <\/b><span style=\"font-weight: 400;\">para gestionar y recuperar tu tranquilidad financiera.<\/span><\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row css=\u00bb.vc_custom_1631109896967{padding-bottom: 20px !important;}\u00bb][vc_column][vc_column_text css=\u00bb\u00bb] En Espa\u00f1a desde 2015 es posible cancelar las deudas legalmente, y el principal mecanismo para conseguirlo es a trav\u00e9s de la Ley de la Segunda Oportunidad. Una ley que permite a las personas f\u00edsicas sean particulares y aut\u00f3nomos, que se encuentren en una situaci\u00f3n de insolvencia econ\u00f3mica, poder cancelar un&hellip;<\/p>\n","protected":false},"author":2,"featured_media":92953,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_joinchat":[],"footnotes":""},"categories":[614,613,622,615,623,616,2195,617],"tags":[],"class_list":["post-92961","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-autonomos","category-clientes","category-fiscal-es","category-gran-empresa-es","category-juridico","category-particulares","category-patrimonial-es","category-pymes","category-614","category-613","category-622","category-615","category-623","category-616","category-2195","category-617","description-off"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u00bfPuedo cancelar legalmente mis deudas? -Llad\u00f3 Grup Consultor-<\/title>\n<meta name=\"description\" content=\"\u00bfTe preocupan tus deudas? \u00bfQuieres cancelar legalmente tus deudas? 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