Ley de Segunda Oportunidad (Spain's second-chance debt relief law)
Self-employed client in Lleida with €61,000 of accumulated debt from loans and a bank guarantee.
Full discharge of unpaid liabilities
Resolved in 11 months
Legal Procedures · Lleida
Clear, effective solutions for your procedures and paperwork
Personalised support, document management and practical guidance for individuals and businesses. Immigration, nationality, inheritance and claims.
Clarity
Precision
Closeness
Arnao Team · Lleida
Close, expert attention
Highest-demand areas
Specialists in the procedures that matter most
Two areas where our team consistently delivers results: debt cancellation and immigration regularisation.
Ley de Segunda Oportunidad (Spain's second-chance debt relief law)
Cancel your debts legally
Eliminate unpaid liabilities, halt seizures and get removed from default registers. Free viability assessment.
- Full liability discharge
- We stop seizures and collection calls
- Removal from ASNEF
Immigration
Regularise your status in Spain
Permits, arraigo (residency by rootedness), nationality and family reunification. Personalised follow-up until resolution.
- Social, labour and family arraigo
- Residency and renewals
- Spanish nationality
0+
Nationalities obtained
0+
Residence permits
0%
Successful claims
0+
Estates handled
We assist you in your language
We explain every procedure in plain terms, in the language you feel most comfortable with.
EspañolCatalàالعربيةFrançaisEnglishPortuguês
Areas of practice
Specialists in six key areas for individuals and businesses. Every case is handled with professional judgement and direct communication.
Ley de Segunda Oportunidad (Spain's second-chance debt relief law) in Lleida
Cancel your debts under the Ley de Segunda Oportunidad.
- Free, confidential viability assessment
- Exoneración del pasivo insatisfecho (full debt discharge)
- Negotiation with banks and lenders
- Halting wage and bank account garnishments
Immigration law in Lleida
Arraigo social, residence permits, NIE and family reunification.
- Arraigo social, laboral, familiar and study-based settlement
- Residence and work permits
- Residence card and NIE renewal
- EU citizen family member card
Spanish nationality
Nationality by residence, origin and option.
- Nationality by residence (2, 5 or 10 years)
- Nationality by origin and by option
- CCSE and DELE exam preparation
- Birth and criminal record certificates
Inheritance and succession
Accepting an inheritance, wills and inheritance tax.
- Wills and last wishes registry
- Declaration of heirs ab intestato (without a will)
- Accepting and distributing the inheritance
- Inheritance and gift tax
Bank and financial claims
Tarjetas revolving (revolving credit cards), microloans and unfair clauses.
- Tarjetas revolving and usurious interest rates
- Microloans and fast loans
- Floor clauses and mortgage expenses
- Fees and unfair contract clauses
Employment law and payroll management
Dismissals, unpaid wages and workplace disputes.
- Unfair and null dismissal claims
- Claims for unpaid amounts and severance
- Conciliation claim and employment tribunal
- Sanctions and substantial changes to conditions
Foreign investment and company formation
Set up a company, get an investor NIE and register for tax.
- Company incorporation (SL, limited liability company)
- NIE and authorisations for investors
- Opening a business bank account
- Tax and self-employed registration
Why trust Arnao
At Trámites Jurídicos Arnao we work with clarity, confidentiality and personalised attention so every procedure is handled with security and peace of mind.
Personalised attention
Every client receives direct follow-up at each stage of the process.
Proven case-handling experience
We manage complex files with sound judgement and documentary rigour.
Complete transparency
Clear information on timelines, fees and the status of your procedure.
Tailored solutions
A strategy designed around your personal or business situation.
Informative blog
Practical guides on immigration, inheritance, claims and labour rights.
Nationality6 min read
Spanish nationality: updated requirements and timeframes
Learn the current requirements for obtaining Spanish nationality by residence, the necessary documentation and the real timeframes of the procedure.
Read article
Immigration5 min read
Arraigo social (social roots residence permit): a practical guide for 2026
Arraigo social (social roots residence permit) allows you to regularise your status after three years in Spain. We explain the requirements and how to prepare the file.
Read article
Claims4 min read
How to claim against a revolving credit card and get your money back
Revolving credit cards (tarjetas revolving) with disproportionate interest rates can be declared usurious. We explain how to start a claim.
Read articleHow we work
A clear four-step method so you always know where your case stands.
Step 1
First contact
Tell us about your situation by phone, WhatsApp or in person, with no obligation.
Step 2
Case analysis
We study your file and explain the real options, timelines and fees.
Step 3
Document handling
We prepare and file all the required documentation with legal rigour.
Step 4
Resolution
We support you until you obtain a favourable outcome for your procedure.
Cases resolved by the firm
Real, anonymised situations. Every case is different, but our method and standards remain the same.
Immigration law
Denial of arraigo social (social rootedness residency) due to an incomplete integration report and a poorly drafted contract.
Appeal upheld and permit granted
Resolved in 5 months
Financial claims
Revolving credit card with a 26% APR taken out in 2016 and refinanced twice.
Contract voided and €4,380 refunded
Resolved in 8 months
Past results do not guarantee an identical outcome: every case is studied individually.
What our clients say
“I had spent two years trying to regularise my status. With Arnao everything flowed smoothly: clarity from day one and a favourable outcome within months.”
María G.
Nationality obtained
“I recovered more than €4,000 from a revolving credit card. Professional and zero paperwork hassle for me. Highly recommended.”
Carlos R.
Bank claim
“I was able to bring my family over thanks to their support. Always available to answer questions, even on WhatsApp.”
Aisha B.
Family reunification
Ley de Segunda Oportunidad
Drowning in debt? You can start from zero
If you meet certain requirements, the law lets you cancel your debts and regain your peace of mind. Check if your case is viable:
- You have debts you cannot meet
- You acted in good faith (no fraud)
- Debts under €5 million
- You haven't been convicted of financial crimes
100%
Cancellation possible
6-12
Months on average
+120
Families freed from debt
Legal
Backed by case law
Our professional commitment
We work to the standards of a law firm: documentary rigour, discreet treatment and constant communication throughout the procedure.
Absolute confidentiality
Everything you share with us is protected by professional secrecy and data protection regulations.
Fixed quote
Before starting any procedure you know the exact cost. No surprise fees or hidden items.
Realistic timelines
We give you honest estimates based on the actual practice of the Administration, not wishful thinking.
One dedicated advisor
One professional at the firm handles your file from start to finish and always answers your questions.
Visit our office in Lleida
We meet you in person by appointment. A space designed for a calm conversation about your case.
Ronda Sant Martí, Lleida
Easy access and nearby parking
Hours
Mon-Fri · 9:00 – 18:00
+34 613 198 902
lleida@tramitesjuridicosarnao.com
Frequently asked questions
Can't find your question? Message us on WhatsApp and we'll answer right away.
Ask on WhatsAppYes. We work remotely with clients across Spain. Administrative procedures don't require you to visit our office in person.
The first step costs nothing
Most of our clients arrive with the same question: “does my case have a solution?”. Finding out is free and only takes a few minutes.
- 1
Message us on WhatsApp and describe your situation in a couple of lines.
- 2
A professional from the firm reviews your case and tells you whether it's viable.
- 3
If appropriate, we schedule an appointment at our Lleida office or a video call.
Need to sort out a procedure?
Tell us your situation and we'll show you the most effective path. In-person attention in Lleida by appointment.
Lleida office
Ronda Sant Martí, LleidaPhone
+34 613 198 902WhatsApp
Reply during office hours