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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 BOE of 6 November, and with effect from 7 November 2024, Royal Decree Law 6/2024 has been approved, introducing a package of urgent measures to mitigate the effects of the DANA which, between 28 October and 4 November 2024, caused significant damage in several regions of Spain, including the Valencian Community, Castilla-La Mancha, Andalusia, Catalonia, the Balearic Islands and Aragon.

Preparing a good job interview is key to making the right decisions in a recruitment process and offering a good experience.

The Social Security contribution rebate for R&D&I activities is one of the most immediate and least known measures to support innovation among companies.

In recent years, an undeniable reality has come to light: the sustained increase in the cost of living and inflation have a direct impact on workers' daily lives. Housing, energy, food and transport are just some of the areas where price increases are most noticeable, directly influencing our teams' perception of their remuneration.

In recent years, the Anoia region has been experiencing a phenomenon that is worrying both businesses and institutions: many people who live there choose to work outside the region, especially in Barcelona and Baix Llobregat.

Traditionally, we have justified this by convincing ourselves that local companies can hardly compete in terms of salaries with those in the metropolitan centre. But reducing everything to a question of money is wrong.

Retaining talent is much more complex, and the key lies in how companies manage people, what work experience we offer and how we project the future within our organisations.

Insolvency law is the branch of law that regulates situations of insolvency, both for legal entities (companies) and individuals. Its objective is to manage debts in an orderly manner and offer solutions so that companies and individuals can overcome a critical economic situation.

We are talking about the international project in Ecuador. Grup Carles Enginyeria i Sostenibilitat.