We
Zero Debt Your Ally in Financial Recovery
At CERO DEDUAS, our story began in 2015 with a clear mission: to help people free themselves from the financial debts that were weighing them down and offer them a new financial life. Since our beginnings, we have worked tirelessly to provide effective solutions to those facing insolvency and seeking debt cancellation.
Over the years, we have witnessed how the **Second Chance Law** has transformed lives. This law allows debtors in good faith to access a second chance process, where they can renegotiate their debts and, in many cases, achieve full cancellation of them. At CERO DEDUAS, we are proud to be part of this process, offering **free advice** and legal support to our clients.
Our experience in **financial recovery** has allowed us to develop a personalized approach for each case. We know that each situation is unique, so we work to create a **payment plan** that fits our clients' needs. In addition, we guarantee **debtor protection** throughout the process, ensuring that each person receives the fair treatment and attention they deserve.
Debt relief is one of our specialties. We strive to make debt relief easy so our clients can enjoy a financial reset. At CERO DEDUAS, we firmly believe that everyone deserves a second chance, and we are here to make that happen.
With the arrival of the changes to the Second Chance Law 2024, we are more committed than ever to helping those seeking debt cancellation and financial rehabilitation. Our team of experts is ready to offer free legal advice and guide our clients through the bankruptcy procedure with confidence and security.
At CERO DEDUAS, we don't just help you pay off debt; we help you build a brighter future. If you're ready to take the first step toward a debt-free life, contact us today. Together, we can help you achieve **financial recovery** and open the doors to a new beginning.
Exoneration of public law debts : It is now possible to exonerate debts with public entities such as the Tax Agency (AEAT) and Social Security (TGSS), although with certain limitations.
Good faith requirements : The law continues to emphasize the importance of the debtor's good faith in order to access debt relief
Simplification of the process : The mandatory extrajudicial phase has been eliminated, which speeds up the process and reduces the administrative burden for applicants.
"Reform of the Second Chance Law in 2024: Simplification and Security in the Bankruptcy Procedure for Individuals and Self-Employed Workers"
More information BOE-A-2024-24099 Royal Decree 1155/2024
Our Qualities and Benefits
Greater
impact
We stand out for our focus on financial recovery and we stay up to date with legislative changes, informing our clients in a clear and timely manner about their rights and options.
Personalized Attention
Each case is unique and we treat our clients with the care and attention they deserve.
Innovation
We incorporate the latest tools and knowledge to offer you the best solutions. We facilitate the process through PIN security keys and digital certificates, ensuring maximum security and efficiency.
Community Focus
We are proud to actively engage on social media and through radio, responding to and helping the community with their financial needs and concerns.
Discover new solutions
We offer a comprehensive service ranging from legal advice to assistance with administrative procedures. Our goal is for every citizen to feel supported and empowered throughout the Second Chance Law process. In addition, we have a wide range of additional services such as business creation and digital and radio marketing, designed to help you achieve success in all aspects of your financial and professional life.