{"id":12139,"date":"2026-02-17T10:15:48","date_gmt":"2026-02-17T10:15:48","guid":{"rendered":"https:\/\/www.keplerkarst.com\/los-concursos-de-acreedores-de-personas-fisicas-abusos-fraude-y-propuestas-de-mejora\/"},"modified":"2026-02-17T10:25:59","modified_gmt":"2026-02-17T10:25:59","slug":"personal-insolvency-proceedings-abuse-fraud-and-proposals-for-reform","status":"publish","type":"post","link":"https:\/\/www.keplerkarst.com\/en\/personal-insolvency-proceedings-abuse-fraud-and-proposals-for-reform\/","title":{"rendered":"Personal Insolvency Proceedings: Abuse, Fraud and Proposals for Reform"},"content":{"rendered":"\n<p>Personal insolvency proceedings have become a key pillar of the Spanish insolvency framework following the 2022 reform, particularly in connection with the second chance mechanism.<\/p>\n\n\n\n<p>Their proper application requires a rigorous technical analysis of their effects, limits and risks, both from the perspective of the good-faith debtor and the adequate protection of creditors. This debate is especially relevant in cases involving \u201cno-asset\u201d insolvency proceedings, where some of the main tensions of the current model are concentrated.<\/p>\n\n\n\n<p>In an article published in El Derecho, Alicia D\u00edaz, Associate in the Restructuring &amp; Insolvency team at Kepler-Karst, provides an in-depth analysis of the main areas of abuse and fraud identified in practice, as well as specific proposals aimed at strengthening control mechanisms and legal certainty within the system.<\/p>\n\n\n\n<p>Read the full article <a href=\"https:\/\/elderecho.com\/los-concursos-de-acreedores-de-personas-fisicas-abusos-fraude-y-propuestas-de-mejoras\" target=\"_blank\" rel=\"noreferrer noopener\">here<\/a>.<\/p>\n\n\n\n<p>Access the Spanish version <a href=\"https:\/\/www.keplerkarst.com\/los-concursos-de-acreedores-de-personas-fisicas-abusos-fraude-y-propuestas-de-mejora\/\">here<\/a>.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Personal insolvency proceedings have become a key pillar of the Spanish insolvency framework following the 2022 reform, particularly in connection with the second chance mechanism. Their proper application requires a rigorous technical analysis of their effects, limits and risks, both from the perspective of the good-faith debtor and the adequate protection of creditors. This debate [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":8347,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_eb_attr":""},"categories":[848,864,755],"tags":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Personal Insolvency Proceedings: Abuse, Fraud and Proposals for Reform | Kepler-Karst<\/title>\n<meta name=\"description\" content=\"Personal insolvency proceedings have become a key pillar of the Spanish insolvency framework following the 2022 reform.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.keplerkarst.com\/en\/personal-insolvency-proceedings-abuse-fraud-and-proposals-for-reform\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Personal Insolvency Proceedings: Abuse, Fraud and Proposals for Reform | Kepler-Karst\" \/>\n<meta property=\"og:description\" content=\"Personal insolvency proceedings have become a key pillar of the Spanish insolvency framework following the 2022 reform.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.keplerkarst.com\/en\/personal-insolvency-proceedings-abuse-fraud-and-proposals-for-reform\/\" \/>\n<meta property=\"og:site_name\" content=\"Kepler-Karst\" \/>\n<meta property=\"article:published_time\" content=\"2026-02-17T10:15:48+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-17T10:25:59+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.keplerkarst.com\/wp-content\/uploads\/2024\/06\/Kepler-Karst-despacho-de-abogados-lider-global-especializado-en-reestructuraciones-e-insolvencias-situaciones-especiales-deuda-soberana-y-penal-economico.jpg.jpg\" \/>\n\t<meta property=\"og:image:width\" 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