Si se está produciendo un embargo en tu nómina, es porque un acreedor tiene una sentencia firme a su favor y ha solicitado la ejecución de la sentencia.
El primer paso es saber quien es el acreedor que nos ha embargado la nómina.
Si se trata de uno de los denominados “acreedores de derecho público” (Hacienda, Seguridad Social, etc.) para realizar cualquier actuación deberemos seguir la normativa propia, por ejemplo cuando hablamos de deudas con la Hacienda Pública tendremos que seguir los procedimientos arbitrados en la LGT (Ley General Tributaria)
Si el acreedor que nos ha embargado, es un acreedor de los denominados de derecho privado, tenemos muchas más posibilidades:
- Primero, analizar la deuda, con especial atención a los intereses y gastos que estás pagando, los plazos, y las distintas cláusulas de los contratos.
Pues podemos encontrarnos con intereses (1) y otras cláusulas (2) abusivas cuyo efecto será, en el primer caso, la nulidad de la operación y por supuesto del embargo.
En el segundo caso, el efecto será la nulidad de la cláusula que los establece, subsistiendo el resto del contrato.
- Asesorado por un experto, crea “Un Plan” en el que se contemple de una forma realista las cantidades que puedes destinar mensualmente al pago de la deuda, las posibilidades de reunificación de deudas, etc.
- Negocia con los acreedores:
Primero, de forma individual con cada acreedor, pero siguiendo el plan establecido por los expertos.
Si la negociación individual no da resultados, plantea un AEP (Acuerdo Extrajudicial de Pagos) a nivel colectivo, con la ventaja de que mientras dure el mismo estas protegido por la Ley concursal y no se podrán realizar nuevas ejecuciones o continuar las ya existentes, pudiendo pedir la paralización de las mismas.
- Por último, si en el AEP no se llega a ningún acuerdo con los acreedores solicitar el concurso persona física, y en base a la Ley de Segunda Oportunidad solicitar el denominado BEPI (Beneficio Exoneración Pasivos Insatisfechos) y empezar de cero sin deudas.
Si las deudas son tan altas que te asfixian y no puedes hacer frente a las mismas, en vez de seguir endeudandote y hacer “la pelota cada vez más grande” hasta que ya no puedas controlarla, por tu caso en manos de expertos como los de No Más Endeudamiento, que te ayudarán a salir de ese pozo sin fondo en el que has caído y poder empezar tu vida de nuevo sin la carga de unas deudas que no vas ha poder hacer frente nunca.
Para más información: info@nomasendeudamiento.com
#EmbargoNomina
#MediacionConcursal
#LeySegundaOportunidad
(1) Cuando hablamos de intereses abusivos nos referimos a los intereses de demora o moratorios, y se consideran abusivos cuando interés es manifiestamente desproporcionado y excesivo, según la ley, como ocurre por ejemplo con las tarjetas revolving.
Una sentencia del Tribunal Supremo considera usurario un tipo de interés de un 27,24% de una tarjeta de crédito ‘revolving’. El efecto inmediato será la nulidad del préstamo en general.
(2) Artículo 85.6 de la Ley General de Consumidores y Usuarios
Serán abusivas aquellas cláusulas que supongan la imposición de una indemnización desproporcionadamente alta, al consumidor y usuario que no cumpla sus obligaciones. El efecto será la nulidad de la cláusula que los establece, subsistiendo el resto del contrato
I would like to thank you for the efforts you have put in writing this website. Im hoping to view the same high-grade blog posts by you later on as well. In fact, your creative writing abilities has encouraged me to get my own, personal site now 😉
An interesting discussion is definitely worth comment. I do believe that you should publish more about this subject, it may not be a taboo matter but typically people dont discuss these subjects. To the next! Many thanks!!
Each service supplir oil has its own exclusive qualities and tends for
use for various epidermis tones and circumstances.
Should you just like the believed of a rub, you ave to
so as to add the important epidermis oils tto a service provider or platform oil.
Be sure to shop our full line of wwll being annd private
care necessities for every thing you could get yourself
prepared for the day! Black see oil is a syperb skin care product but when you employ
itt regularly it’s going to darken the skijn considerably.
Aromna therapy epidermis oils, does iit really issue which you utilize?
A large reduction in bodyweight may result in dropping epidermis.
Examine out the big variety of aromatherapy formulation and
mixes to discover which ones fit you,your nees and carry out finest for you.
Exercise is among the finest issues for a healhy physique.
Take pleasure inn pleasant issues like listening to music, standing
within the sun meditation and avoiding alcohol and sweets.
A number of factors like life-style, environmental pollution,
water, extreme climatic conditions, exposure to the solar’s
dangerous rays, worry, tension, improper diet, and
health issues have aan effect on the pores and skin to an awesome extent.
Oil massages are nice for the body & offer the body moisture and lubrication.
Feel free to visit my homepage: https://underanyascontrol.com
The University of Delaware Marching Band (UDMB) will be perforrming on the presidential
escort of fellow Blue Hen, Joe Biden, following
his swearing in because the 46th President of the United States
at Wednesday’s inauguratin ceremony. You will have to break via
two highway blocks, however tthey are severely easy to bypass.
Details are sketchy, however it’s presumed this dangerous individual was aided by another inmate.
The inmate had been taken to the prison infirmary after awakening,
and from there overpowered a prison doctor before making their approach outside.
Theere needs to be one near the world you drop down from.
In the event that they elevate their arms, keep yojr reticle on them till they drop some cash, then simply exit
effective intention and accumulate the money. I usually mug for up tto $3,000, that manner I have some good
begjnning cash. Optional: I would suggest that while you are on the docks
to mug people for some money. You’ll have helicopters and Police Boats coming at you,
however you’re equippedd with an AR200 Saw, which has one hundred rounds oof
ammo per clip, and it comes witfh limitless
ammo for this part.
Review my web-site; דירה דיסקרטית באשדוד
Whether you are on the receiving finish, or giving
your accomplice an at-residence therapeutic massage, the
appropriate surroundings and a high quality oil can take the experience from
ineffective and boring to supremely blissful and ache
relieving. Regular utility of sandalwood oil additionally
delays the aging course of. Exposure to harsh environmental circumstances and
pollution, use of chemicals in cosmetics and nutritional deficiencies speed up the aging process.
It is quickly misplaced due to several environmental factors like pollution, solar publicity and
harsh chemicals within the cosmetics. We all expertise pores and skin roughness,
dryness and useless pores and skin resulting from an unhealthy life-style.
In conclusion, the house treatments for premature graying
are certainly effective, however some modifications in way of life
shall be very helpful in treating the condition. Sandalwood and sandalwood oil are valuable
commodities with no dangerous unintended effects from
day by day use. For the most effective results, using
Rumatone Gold capsules along with the oil for at least three to four months brings the
results past expectations. In some situations the therapy can be delivered utilizing a spinal
block, just like an epidural used for ladies in labour,
relatively than a general anaesthetic. A study completed by the University of Washington demonstrated that using proper stimulation utilizing a Tens machine actually decreased
inflammation discovered deep inside muscle fibers.
Also visit my page – natascha-von-steinberg.com
Useful info. Fortunate me I found your site by chance,
and I am stunned why this accident didn’t came about earlier!
I bookmarked it.
Terrific article! That is the kind of info that
should be shared across the web. Shame on the seek
engines for now not positioning this publish higher!
Come on over and consult with my site . Thanks =)
Thanks for one’s marvelous posting! I certainly enjoyed reading it, you might be a great author.
I will make certain to bookmark your blog and will often come back sometime soon. I want to
encourage you to definitely continue your great work, have a nice morning!
עם זאת, תוכלו לשבור את השגרה
המוכרת והידועה מראש עם עיסוי בירושלים!
האם הייתם בעברכם עם נערות ליווי איכותיות בירושלים?
WzMQGlPREaCOUJB