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Yes, debts are not for life; debts can be canceled, and a fresh start can be made.

The second chance has been in force since 2013 for individual entrepreneurs and since 2015 for any non-entrepreneurial individual. It may not be, from a technical point of view, and in my opinion, the best possible second chance law, but it is a law that allows for the exoneration of debts, and that is what is important. The law must be useful and functional, and for this reason, it must be utilized so that thousands of over-indebted, insolvent individuals can achieve the exoneration of their debts and start again as active members of society.

In the Anoia region, various initiatives prioritize more equitable environmental and social practices and articulate alternatives to the current economic system. We are talking about initiatives that operate in the field of the so-called Social and Solidarity Economy (SSE). We find projects that aim to cover a very wide range of needs, from food, access to housing, energy consumption to the development of educational or cultural projects.

Inheriting a property can be a great opportunity... or a headache. From essential legal procedures to taxes and family decisions, managing an inheritance consisting of real estate requires clarity, strategy and, above all, professional advice.

When we have tax debts, a voluntary payment period begins, during which we can pay off the debt. If we fail to do so, an enforcement period begins, during which the tax authorities can apply surcharges and even seize assets to collect the amount owed.

The last few days of the year are a good time to review some tax issues related to vehicle management, especially if you plan to sell one. One of the points that causes the most confusion is the responsibility for paying the Tax on Motor Vehicles (IVTM), commonly known as road tax.

This week we had the opportunity to welcome a delegation from the Cheongju City Council (South Korea) to our facilities. Their stay in the region is part of an official trip to discover cutting-edge initiatives in sustainability, and they wanted to see first-hand the model we promote at Grup Carles for the treatment of livestock manure.

Nowadays, operating in financial markets is accessible to everyone. Whether through the bank or simply by registering with an online broker, one can have an account open in just a few minutes. As a result, more and more people are entering this world to earn extraordinary income. But, is everyone prepared to operate in the markets?