{"id":6648,"date":"2023-11-27T12:06:08","date_gmt":"2023-11-27T12:06:08","guid":{"rendered":"https:\/\/quabbala.com\/?p=6648"},"modified":"2023-11-27T12:08:24","modified_gmt":"2023-11-27T12:08:24","slug":"incidente-concursal","status":"publish","type":"post","link":"https:\/\/quabbala.com\/en\/incidente-concursal\/","title":{"rendered":"Incidente concursal"},"content":{"rendered":"<p style=\"font-weight: 400;\"><strong>An\u00e1lisis de la \u201cSentencia 170\/2023 de 17 de noviembre\u00bb del Juzgado de lo Mercantil N\u00ba 1 de Zaragoza, que trata sobre un incidente concursal relacionado con la solicitud de exoneraci\u00f3n de pasivo y la liquidaci\u00f3n de masa activa.<\/strong><\/p>\n<p style=\"font-weight: 400;\"><strong>\u00a0<\/strong><\/p>\n<p style=\"font-weight: 400;\">La <strong>Ley Concursal<\/strong> en Espa\u00f1a est\u00e1 dise\u00f1ada para regular las situaciones de insolvencia de las personas f\u00edsicas y jur\u00eddicas. Uno de los aspectos clave de esta ley es la posibilidad de exonerar al deudor de ciertas deudas una vez concluido el proceso concursal, bajo ciertas condiciones. Este proceso se conoce como la Exoneraci\u00f3n del Pasivo Insatisfecho (EPI).<\/p>\n<p style=\"font-weight: 400;\">La interpretaci\u00f3n de la <strong>Ley Concursal<\/strong> en relaci\u00f3n con la exoneraci\u00f3n del pasivo insatisfecho es compleja, especialmente en casos donde existen cr\u00e9ditos con garant\u00eda real, como los cr\u00e9ditos hipotecarios. La ley, en principio, no permite la exoneraci\u00f3n de deudas que tienen garant\u00eda real. Sin embargo, hay un margen para interpretar que el remanente de deuda que sobrepase el valor de la garant\u00eda real podr\u00eda ser sujeto de exoneraci\u00f3n.<\/p>\n<p style=\"font-weight: 400;\">En el caso de la Sentencia 170\/2023, el juzgado tuvo que interpretar si el remanente de deuda resultante de un procedimiento de ejecuci\u00f3n hipotecaria podr\u00eda ser incluido en la EPI. La decisi\u00f3n de incluir este remanente en la exoneraci\u00f3n es significativa porque afecta directamente la capacidad del deudor de recuperarse financieramente despu\u00e9s de un proceso concursal. Al incluir el remanente en la exoneraci\u00f3n, se ofrece al deudor una oportunidad m\u00e1s realista de recomenzar sin la carga de deudas que ya no puede gestionar debido a circunstancias fuera de su control, como la depreciaci\u00f3n del valor del inmueble hipotecado.<\/p>\n<p style=\"font-weight: 400;\">Este enfoque interpretativo refleja un esfuerzo por equilibrar los derechos e intereses de los acreedores con la necesidad de ofrecer alivio a los deudores en situaciones de insolvencia. Al mismo tiempo, destaca la importancia de la interpretaci\u00f3n judicial en la aplicaci\u00f3n de la Ley Concursal, donde cada caso puede presentar circunstancias \u00fanicas que requieren un an\u00e1lisis detallado y considerado.<\/p>\n<p style=\"font-weight: 400;\"><strong>El fallo desestima la oposici\u00f3n formulada y establece que, en caso de concederse la EPI, no resultar\u00eda exonerado el cr\u00e9dito privilegiado, pero s\u00ed el cr\u00e9dito ordinario que quedar\u00eda como remanente en la ejecuci\u00f3n hipotecaria. No se hace una imposici\u00f3n expresa de costas debido al car\u00e1cter legal obligatorio de tramitar la oposici\u00f3n por incidente.<\/strong><\/p>\n<p style=\"font-weight: 400;\"><strong>\u00a0<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>An\u00e1lisis de la \u201cSentencia 170\/2023 de 17 de noviembre\u00bb del Juzgado de lo Mercantil N\u00ba 1 de Zaragoza, que trata [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[10],"tags":[],"class_list":["post-6648","post","type-post","status-publish","format-standard","hentry","category-noticias"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Incidente concursal -<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/quabbala.com\/en\/incidente-concursal\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Incidente concursal -\" \/>\n<meta property=\"og:description\" content=\"An\u00e1lisis de la \u201cSentencia 170\/2023 de 17 de noviembre\u00bb del Juzgado de lo Mercantil N\u00ba 1 de Zaragoza, que trata [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/quabbala.com\/en\/incidente-concursal\/\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/quabbala\/\" \/>\n<meta property=\"article:published_time\" content=\"2023-11-27T12:06:08+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-11-27T12:08:24+00:00\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@Quabbala\" \/>\n<meta name=\"twitter:site\" content=\"@Quabbala\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/quabbala.com\/en\/incidente-concursal\/\",\"url\":\"https:\/\/quabbala.com\/en\/incidente-concursal\/\",\"name\":\"Incidente concursal -\",\"isPartOf\":{\"@id\":\"https:\/\/quabbala.com\/en\/#website\"},\"datePublished\":\"2023-11-27T12:06:08+00:00\",\"dateModified\":\"2023-11-27T12:08:24+00:00\",\"author\":{\"@id\":\"https:\/\/quabbala.com\/en\/#\/schema\/person\/6614593e1ed826055ee6639d21f36de0\"},\"breadcrumb\":{\"@id\":\"https:\/\/quabbala.com\/en\/incidente-concursal\/#breadcrumb\"},\"inLanguage\":\"es\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/quabbala.com\/en\/incidente-concursal\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/quabbala.com\/en\/incidente-concursal\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Portada\",\"item\":\"https:\/\/quabbala.com\/en\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Incidente concursal\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/quabbala.com\/en\/#website\",\"url\":\"https:\/\/quabbala.com\/en\/\",\"name\":\"\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/quabbala.com\/en\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"es\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/quabbala.com\/en\/#\/schema\/person\/6614593e1ed826055ee6639d21f36de0\",\"name\":\"admin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\/\/quabbala.com\/en\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/7138ebb00c6b77dd3dc1a5d528f47f94?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/7138ebb00c6b77dd3dc1a5d528f47f94?s=96&d=mm&r=g\",\"caption\":\"admin\"},\"url\":\"https:\/\/quabbala.com\/en\/author\/admin\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Incidente concursal -","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/quabbala.com\/en\/incidente-concursal\/","og_locale":"es_ES","og_type":"article","og_title":"Incidente concursal -","og_description":"An\u00e1lisis de la \u201cSentencia 170\/2023 de 17 de noviembre\u00bb del Juzgado de lo Mercantil N\u00ba 1 de Zaragoza, que trata [&hellip;]","og_url":"https:\/\/quabbala.com\/en\/incidente-concursal\/","article_publisher":"https:\/\/www.facebook.com\/quabbala\/","article_published_time":"2023-11-27T12:06:08+00:00","article_modified_time":"2023-11-27T12:08:24+00:00","author":"admin","twitter_card":"summary_large_image","twitter_creator":"@Quabbala","twitter_site":"@Quabbala","twitter_misc":{"Escrito por":"admin","Tiempo de lectura":"2 minutos"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/quabbala.com\/en\/incidente-concursal\/","url":"https:\/\/quabbala.com\/en\/incidente-concursal\/","name":"Incidente concursal -","isPartOf":{"@id":"https:\/\/quabbala.com\/en\/#website"},"datePublished":"2023-11-27T12:06:08+00:00","dateModified":"2023-11-27T12:08:24+00:00","author":{"@id":"https:\/\/quabbala.com\/en\/#\/schema\/person\/6614593e1ed826055ee6639d21f36de0"},"breadcrumb":{"@id":"https:\/\/quabbala.com\/en\/incidente-concursal\/#breadcrumb"},"inLanguage":"es","potentialAction":[{"@type":"ReadAction","target":["https:\/\/quabbala.com\/en\/incidente-concursal\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/quabbala.com\/en\/incidente-concursal\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Portada","item":"https:\/\/quabbala.com\/en\/"},{"@type":"ListItem","position":2,"name":"Incidente concursal"}]},{"@type":"WebSite","@id":"https:\/\/quabbala.com\/en\/#website","url":"https:\/\/quabbala.com\/en\/","name":"","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/quabbala.com\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"es"},{"@type":"Person","@id":"https:\/\/quabbala.com\/en\/#\/schema\/person\/6614593e1ed826055ee6639d21f36de0","name":"admin","image":{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/quabbala.com\/en\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/7138ebb00c6b77dd3dc1a5d528f47f94?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/7138ebb00c6b77dd3dc1a5d528f47f94?s=96&d=mm&r=g","caption":"admin"},"url":"https:\/\/quabbala.com\/en\/author\/admin\/"}]}},"_links":{"self":[{"href":"https:\/\/quabbala.com\/en\/wp-json\/wp\/v2\/posts\/6648"}],"collection":[{"href":"https:\/\/quabbala.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/quabbala.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/quabbala.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/quabbala.com\/en\/wp-json\/wp\/v2\/comments?post=6648"}],"version-history":[{"count":2,"href":"https:\/\/quabbala.com\/en\/wp-json\/wp\/v2\/posts\/6648\/revisions"}],"predecessor-version":[{"id":6650,"href":"https:\/\/quabbala.com\/en\/wp-json\/wp\/v2\/posts\/6648\/revisions\/6650"}],"wp:attachment":[{"href":"https:\/\/quabbala.com\/en\/wp-json\/wp\/v2\/media?parent=6648"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/quabbala.com\/en\/wp-json\/wp\/v2\/categories?post=6648"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/quabbala.com\/en\/wp-json\/wp\/v2\/tags?post=6648"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}