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💡 MCHM Lawyers - Lawyers - Bankruptcy Law 📎 How to Successfully Claim in a Bankruptcy Procedure: Strategic Guide to Protect Your Rights 🏠 https://www.mchmabogados.es 🔗 https://www.mchmabogados.es/idiomas/en/abogados-derecho-concursal-almeria ⚖️ lawyers in Almería 📞 950 106 453 / 674 21 65 59 📧 info@mchmabogados.es 👉 Checklist for Creditors: How to Efficiently Claim in a Bankruptcy Procedure ✨ 💬When a company enters a bankruptcy procedure, suppliers, service providers, and other creditors face the challenge of recovering their credits in a complex legal environment. To maximize the chances of collection, it is essential to understand the bankruptcy procedure, the rights granted to the creditor, and the most effective strategies to act. Below is a detailed and practical guide to efficiently claim in a bankruptcy procedure in Spain. ✍️ ________________________________________ 1. Understanding the Bankruptcy Procedure The bankruptcy procedure is a judicial process regulated by the Bankruptcy Law, triggered when an individual or legal entity cannot regularly meet their payment obligations. Its objective is to organize the payment of debts, protect creditors, and, whenever possible, allow the continuity of the debtor’s business activity. There are two types of bankruptcy: • Voluntary: requested by the debtor. • Necessary: requested by a creditor proving the debtor’s insolvency. ________________________________________ 2. Classification of Credits Credit classification is key to determining the order of payment: • Claims against the estate: expenses generated after the declaration of bankruptcy (salaries, bankruptcy administrator fees, etc.). • Privileged claims: • Special: secured with mortgage, pledge, etc. • General: salaries, Social Security, Tax Agency. • Ordinary claims: most commercial debts. • Subordinated claims: submitted late, interests, fines, etc. ________________________________________ 3. Notification of the Credit Once the bankruptcy declaration order is published in the BOE, the creditor has one month to notify their claim to the bankruptcy administrator. This notification must include: • Identification of the creditor. • Amount, due date, and nature of the credit. • Proposed classification of the credit. • Supporting documentation (invoices, contracts, delivery notes, etc.). • Registry data if claiming a special privilege. If submitted late, the claim will be considered subordinated unless lack of knowledge of the bankruptcy is justified. ________________________________________ 4. Active Participation of the Creditor The reform of the Bankruptcy Law (Law 16/2022) has strengthened the creditor’s role in the procedure: • Bankruptcy without estate: if there are insufficient assets, creditors representing at least 5% of the liabilities may request the appointment of a bankruptcy administrator to investigate possible irregularities. • Bankruptcy classification: creditors can file claims for the bankruptcy to be classified as culpable, which may result in personal liability of the debtor’s administrators. ________________________________________ 5. Phases of the Bankruptcy Procedure The bankruptcy develops in several phases: 1. Common phase: declaration of bankruptcy, notification of claims, preparation of the administrator’s report. 2. Agreement phase: proposal of debt reductions and deferrals to avoid liquidation. 3. Liquidation phase: if no agreement, assets are sold to pay creditors. 4. Classification phase: determination of whether the bankruptcy was fortuitous or culpable. ________________________________________ 6. Strategies for Successful Claims • Act quickly: monitor the BOE and notify the claim within the deadline. • Document thoroughly: provide clear and complete proof of the debt. • Classify the credit correctly: know the law and justify the proposed classification. • Participate in the procedure: allows receiving notifications and active involvement. • Push for culpable classification: if there are signs of mismanagement, this can open the way to claim from administrators. • Request necessary bankruptcy: if the debtor does not act, the creditor can initiate the procedure. ________________________________________ 7. Final Considerations Claiming in a bankruptcy procedure requires diligence, technical knowledge, and strategy. The Bankruptcy Law provides tools to protect the creditor’s rights, but its effectiveness depends on timely and well-founded action. Specialized legal advice can make the difference between recovering part of the credit or losing it entirely. ✨ ⚖️ Welcome to the Civil Online process offered by MCHM Lawyers. Through our online platform, we provide 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 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 an account. From your personal account, you will have access to all the tools needed 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 files for your case. Receipt of Notifications and Requests: Once documents are uploaded, you will receive notifications and requests through your personal account. These notifications will include case status, any required actions, and any 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, court decisions, and other relevant updates. Communication with Your Lawyer: Through our online platform, you can communicate directly with your assigned lawyer. You can make inquiries, ask questions, and receive personalized legal advice at any time during the process. Receipt of Judgment: Once the process is complete, you will receive the final judgment through your personal account. This judgment will include any decisions made by the court regarding your Civil case. In summary, our Civil Online process offers the convenience and flexibility of completing the procedure from home, without visiting our office or the courts (except for mandatory procedures). With access to your personal account, 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. ✍️ ⚓️ Voluntary bankruptcy, Necessary bankruptcy, Credit notification, Ordinary creditor, Privileged creditor, Subordinated creditor, Legal deadline, Supporting documentation, Credit classification, Active participation, Culpable classification, Debt recovery, Bankruptcy Law, Bankruptcy administrator, Liquidation phase, Agreement phase, Bankruptcy without estate, Legal strategy, Efficient claim, Credit protection

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