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💡 MCHM Lawyers - Lawyers - Bankruptcy Law 📎 Creditors’ Bankruptcy and Social Security: Keys to Complying with Business Obligations in Times of Insolvency 🏠 https://www.mchmabogados.es/idiomas/en/ 🔗 https://www.mchmabogados.es/idiomas/en/abogados-derecho-concursal-almeria ⚖️ Abogados en Almería 📞 950 106 453 / 674 21 65 59 📧 info@mchmabogados.es 👉 The Creditors’ Bankruptcy and Social Security: Company Obligations Regarding Debts and Contributions ✨ 💬In the current economic context, many companies face financial difficulties that can lead to insolvency. In this scenario, the creditors’ bankruptcy appears as a legal tool to restructure or orderly liquidate outstanding debts. One of the most sensitive aspects of this procedure is the treatment of debts with Social Security, given their privileged status and direct impact on workers’ rights. ✍️ What is the creditors’ bankruptcy? The creditors’ bankruptcy is a judicial procedure initiated when a company (legal entity) or a self-employed individual (natural person) cannot regularly meet its payment obligations. Its purpose is to ensure that creditors are paid as much as possible, either through a payment agreement or through the orderly liquidation of the debtor’s assets. Company obligations with Social Security Even in insolvency situations, the company maintains its legal obligations to contribute to Social Security. These include: • The payment of the contributions corresponding to the workers. • The submission of contribution documents. • The timely communication of registrations, deregistrations, and data changes. Failure to comply with these obligations may result in surcharges, late payment interest, and administrative penalties, which are added to the principal debt. What happens to Social Security debts in the bankruptcy? Debts with Social Security receive special treatment within the bankruptcy: 1. Claims against the estate: Contributions accrued after the bankruptcy declaration are considered claims against the estate. This means they must be paid with priority, even before other bankruptcy claims. The company must continue contributing for its workers as long as it remains active, and these contributions cannot be included in a payment plan nor be subject to reduction or delay. 2. Privileged claims: Debts prior to the bankruptcy declaration can be classified as privileged, ordinary, or subordinated claims depending on their nature and age. Social Security enjoys a general privilege over part of its claims, granting it priority in collection over other creditors. 3. Surcharges and interest: Although surcharges and late payment interest generated before the bankruptcy can be subordinated, those generated after the bankruptcy declaration are also considered claims against the estate and must be fully paid. Administrator’s responsibility If the management body does not request the bankruptcy within the legal two-month period after becoming aware of the insolvency situation, it may incur personal liability. If the bankruptcy is declared culpable, the administrator could be ordered to cover part or all of the bankruptcy deficit with their personal assets, especially if it is proven that they worsened the insolvency situation or failed to meet their Social Security obligations. Can the company request deferrals or installments? Yes, but with limitations. The company may request the deferral or installment payment of Social Security debts, provided they are not contributions accrued after the bankruptcy declaration (claims against the estate). These deferrals must be approved by the General Treasury of Social Security and do not suspend the obligation to continue contributing for subsequent periods. Conclusion The creditors’ bankruptcy does not exempt the company from its Social Security obligations. On the contrary, it reinforces the need to comply with them rigorously, as these debts have preferential treatment and non-payment can have serious consequences for both the company and its administrators. Proper and transparent management of the bankruptcy process, with specialized legal advice, is key to minimizing risks and protecting the rights of workers and creditors. ✨ ⚖️ Welcome to the Civil Online process offered by MCHM Lawyers. Through our online platform, we provide you the convenience of completing the entire procedure from the comfort of your home, without needing to visit our office or the courts (Except for mandatory procedures). Below, we will guide you through each step of the process: Access to your Personal Account: Once you access our website https://www.mchmabogados.es/idiomas/en/inicio-sesion-mchmabogados-almeria [Civil], you can create a personal account or log in if you already have one. From your personal account, you will have access to all the necessary tools to complete the Civil process. Document Upload: From your personal account, you can upload all documents necessary to start the Civil process. This includes text documents, images, and any other relevant documentation for your case. Notifications and Requests Reception: Once you have uploaded your documents, you will receive notifications and requests through your personal account on our online platform. These notifications will include information about your case status, any required actions on your part, and important communications related to your Civil process. Process Tracking: From your personal account, you can track the progress of your case in real time. This includes information on hearings, judicial rulings, and any other relevant updates. Communication with your Lawyer: Through our online platform, you will be able to communicate directly with your assigned lawyer. You can make inquiries, ask questions, and receive personalized legal advice at any time during the process. Judgment Reception: Once the process is completed, you will receive the final judgment through your personal account on our online platform. This judgment will include any decision made by the court regarding your Civil case. In summary, our Civil Online process offers you the convenience and flexibility to complete the entire procedure from the comfort of your home, without the need to visit our office or the courts (Except for mandatory procedures). With access to your personal account on our online platform, you can upload documents, receive notifications, communicate with your lawyer, and track your case progress in real time. At MCHM Lawyers, we are committed to providing you with the best possible service throughout the Civil process. ✨ 📖 lawyers in almeria 📍 For more information, do not hesitate to contact MCHM Lawyers. ✍️ ⚓️ creditors’ bankruptcy, Social Security, business debts, unpaid contributions, claims against the estate, legal obligations, administrator responsibility, insolvency, surcharges and interest, collection privilege, debt deferral, regulatory compliance, bankruptcy management, worker protection, judicial procedure

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