I WANT TO FIND OUT MY DEBTS
Find out your debts and put an end to them with THE SECOND CHANCE
TO END DEBTS BEFORE YOU MUST KNOW THEM
REQUEST THE SERVICE THROUGH A SIMPLE FORM AND A SINGLE PAYMENT
FINISH THE REQUEST FOR THE DIGITAL CERTIFICATE FROM YOUR MOBILE/COMPUTER
WE CARRY OUT THE STUDY AND INFORM YOU IF IT IS POSSIBLE TO END YOUR DEBTS
Our study is the most thorough on the market, and we end with the result if it is possible to put an end to your debts, how many debts, or if it is not possible for some serious reason, and even so, we can advise to try to solve that problem.
THE PRICE YOU PAY, IF YOU HIRE THE LSO, IS DISCOUNTED FROM OUR FEES.
How does finding out your debts work?
When a natural or legal person becomes overly indebted, there comes a time when they lose control over their payment obligations, delaying their fulfillment or even leaving them unattended.
Many times they do not do it because they voluntarily do not want to pay it, but because they are victims of the economic crisis or guarantors of one of them. People so indebted that they are not even able to know the debts they have in their name.
When this happens, the way to find out the debts you have in Spain is by consulting Social Security, the Public Treasury, the different lists of defaulters that operate in our country, as well as other key sites where you can consult the debts we have, such as banking entities and financial entities with which we work.
Service offered by STOP DEUDA
If you do not have the time or knowledge to do so, at Stop Debt we offer you the possibility of investigating your debts.
We will access the following data sources with your authorization:
Access certificates of tax status before any Public Administration
Consultation of traffic fines
Obtain the criminal record certificate
Obtain the certificate of debts with Social Security
Obtain the CIRBE certificate – BANCO DE ESPAÑA
Access judicial files and review ongoing processes (in some communities)
Access the solvency files (delinquency) (ASNEF- BADEXCUG) Access to contact the collection companies on your behalf.
We access the information of the COLLECTION COMPANIES
THE AMOUNT WE CHARGE FOR THE STUDY IS DISCOUNTED WHEN CONTRACTING THE SECOND OPPORTUNITY (LSO)
1 What is needed to investigate your debts?
2 How do I obtain the certificate?
3 How is debt investigation carried out?
4 What type of information sources exist?
There are Public sources (HACIENDA- SOCIAL SECURITY- DGT ETC
There are private sources (DEFAULT FILES, BANKS, COLLECTION COMPANIES)
5 HOW DO I KNOW IF I HAVE DEBTS WITH THE TREASURY?
Tax debts can lead to different sanctions including seizures.
To find out your status you can enter the Tax Agency Website and after completing the identification you obtain the desired information.
Using a digital certificate, details are obtained instantly. In addition, this allows you to pay off the debt.
In Spain, apart from the STATE TREASURE, there are other administrations with tax functions, and all of them must be reviewed.
Do you want to find out your debts?
Request the service and in a very short time you will be able to know them to put an end to them.
6 HOW DO I KNOW MY SOCIAL SECURITY DEBTS?
Debts with social security can be known by requesting an appointment and attending in person, during the morning hours from Monday to Friday, or much easier through a digital certificate.
Our service includes analyzing the report obtained to evaluate the origin and severity of the existence or not of sanctions.
7 HOW DO I KNOW IF I HAVE DEBTS WITH BANKING ENTITIES?
To find out the existence of debts with banking entities, the simplest option is through the CIRBE report of the Bank of Spain.
We also carry out this search and we explain the result of it, detailing if they are expired, if they are due to a guarantee and other issues.
Also, contacting the entity or entities you know. For this we make the request on your behalf.
8 HOW TO KNOW DEBTS IN DEFAULT FILES? ASNEF- EXPERIAN
9 HOW DO I KNOW IF I HAVE DGT SANCTIONS AND FINES?
10 HOW DO I KNOW IF I HAVE JUDICIAL PROCEEDINGS?
11 HOW DO I KNOW IF MY DEBT HAS PRESCRIBED?
12 HOW TO KNOW DEBTS AS A VALORIST?
The debts can be our own, as the owner, and also as a guarantor if at some point we have signed something to help a close family member or friend.
Our report will also analyze if you have debts as a guarantor.
13 HOW DO YOU KNOW IF YOU CAN INHERIT A DEBT?
Unfortunately, after the death of a close family member, it may happen that if they had debts, they can pass them on to us as heirs.
We advise you to be able to find out a family member’s debts and avoid very compromising situations.
14 HOW DO I KNOW IF I HAVE A FORECLOSED PROPERTY?
To find out if you have a seized property, you must go to the Property Registry where it is located.
Once we have the registration information, we advise you on the nature of the seizure if it exists, or other situations, including information on whether it is statute-barred or not.
15 HOW DO I KNOW IF I HAVE AN EMPOSIED VEHICLE?
It is very likely, if you have debts with Social Security, that you also have your vehicle repossessed.
To know this, you need a debt report that can be obtained on the DGT website.
16 HOW DO I KNOW IF I HAVE DEBTS WITH COLLECTION COMPANIES?
It is very common that if, for example, you had a debt with your financial institution, due years ago, it has “sold” it to a vulture fund or collection companies.
We advise that although it is a nuisance to suffer harassment, that you at least save the contact information of the company that calls you and, in addition, know who the debt they claim came from.
Our service includes authorization to contact us and obtain the details of your file, since many that offer you fabulous debt relief, ACTUALLY COULD NO LONGER CHARGE YOU.
IT IS VITAL TO KNOW BEFORE PAYING.
17 IS IT NECESSARY TO FIND OUT TO GO TO THE LOS?
YEAH. IT IS ESSENTIAL.
Yes or yes, you need to know the debts you have, in order to put an end to them forever with the legal mechanism of the second chance.