SEGUNDA OPORTUNIDAD PARA LOS PARTICULARES Y AUTÓNOMOS DEUDORES EN LOS PROCESOS CONCURSALES
Desde el pasado día 1 de marzo de 2015, el Real Decreto-ley 1/2015, de mecanismo de segunda oportunidad instaura un régimen de exoneración de deudas para los deudores personas físicas en los procesos concursales, siempre que el deudor sea buena de fe y que se liquide previamente su patrimonio (o que se declare la conclusión del concurso por insuficiencia de masa). Cumplidas las anteriores condiciones, el deudor podrá ver exoneradas de forma automática sus deudas pendientes cuando haya satisfecho en su integridad los créditos contra la masa, los créditos concursales privilegiados y, si no ha intentado un acuerdo extrajudicial de pagos, el 25 % de los créditos concursales ordinarios.
El Real Decreto-ley 1/2015, de 27 de febrero, de mecanismo de segunda oportunidad, reducción de carga financiera y otras medidas de orden social, con efectos desde el pasado 1 de marzo de 2015, incluye un serie de medidas para permitir que las familias y empresas reduzcan su carga financiera, destinadas a quienes se encuentran en una situación más cercana a la insolvencia por sus circunstancias económicas y sociales de vulnerabilidad, sean PYMES y autónomos, o personas físicas en general.
Centrándonos en el ámbito concursal, las reformas se centran en el acuerdo extrajudicial de pagos y en la llamada “segunda oportunidad”.
Acuerdos extrajudiciales de pagos
En primer lugar, se propone flexibilizar los acuerdos extrajudiciales de pagos, y prever un verdadero mecanismo de segunda oportunidad.
Como elementos principales del nuevo régimen están la ampliación de su ámbito de aplicación a las personas físicas no empresarios destinado a modular el rigor de la aplicación del artículo 1911 del Código civil (principio de responsabilidad patrimonial universal), regulándose además un procedimiento simplificado para éstas (en este caso, las actuaciones de negociación las realiza el notario, salvo que estimase conveniente la designación de mediador concursal); la posibilidad de extender los efectos del acuerdo a los acreedores garantizados disidentes, lo que supone un avance frente al régimen de sometimiento voluntario vigente con anterioridad; y la potenciación de la figura del mediador concursal, introduciendo la posibilidad de que actúen como tal las Cámaras de Comercio, Industria, Navegación y Servicios, si el deudor es empresario, o los notarios, si se trata de personas naturales no empresarios.
Además, se pueden destacar las siguientes novedades:
· Paralización de ejecuciones de garantías reales sobre bienes necesarios: se introduce la diferenciación entre ejecución de bienes necesarios o no para la actividad profesional o empresarial o vivienda habitual. Así, si la garantía no recae sobre estos, el acreedor podrá ejecutar. Por el contrario, si se trata de un bien o derecho necesario o la vivienda habitual, el acreedor podrá iniciar la ejecución pero la misma quedará paralizada.
· Ampliación del contenido de las propuestas conforme a los límites introducidos por el RD Ley 11/2014 en el convenio: se amplía el contenido de la propuesta de acuerdo extrajudicial pudiendo contener esperas no superiores a diez años, quitas (sin señalar límite) y cesiones de bienes o derechos a los acreedores en pago o para pago de la totalidad de sus créditos. Para el caso de PYMES o empresarios se prevé también la conversión de deuda en acciones o participaciones de la sociedad deudora o en préstamos participativos por un plazo máximo de 10 años, obligaciones convertibles o préstamos subordinados, con intereses capitalizables o cualquier otro instrumento financiero.
· Posibilidad de convenio o liquidación en el concurso consecutivo: se elimina la obligación de liquidación del deudor en caso de concurso consecutivo por incumplimiento del acuerdo extrajudicial.
Segunda oportunidad
Como novedad fundamental, se instaura un régimen de exoneración de deudas para los deudores persona física en caso de liquidación o insuficiencia de masa activa en concurso en el marco del procedimiento concursal.
El sistema de exoneración tiene dos pilares fundamentales: que el deudor sea buena de fe y que se liquide previamente su patrimonio (o que se declare la conclusión del concurso por insuficiencia de masa).
En la actualidad el beneficio legal radica en una exoneración condicionada de la deuda (quita).
El mecanismo de segunda oportunidad pretende establecer controles y garantías en aras a evitar insolvencias estratégicas o daciones en pago selectivas. El deudor persona natural podrá obtener el beneficio de la exoneración del pasivo insatisfecho una vez concluido el concurso por liquidación o por insuficiencia de la masa activa. Para ello, deberán concurrir una serie de requisitos:
· Que el deudor sea de buena fe, esto es, que no se declare el concurso culpable y que el deudor no haya sido condenado por sentencia firme por delitos contra el patrimonio, contra el orden socioeconómico, falsedad documental, contra la Hacienda Pública y la Seguridad Social en los diez años anteriores a la declaración del concurso.
· Que haya celebrado (o intentado celebrar) un acuerdo extrajudicial de pagos.
· Que haya satisfecho en su integridad los créditos contra la masa, los privilegiados y, si no hubiera intentado el acuerdo extrajudicial de pagos previo, abonado al menos, el 25% de los créditos ordinarios.
· Y, además, alternativamente acepte someterse a un plan de pagos; no haya incumplido con sus obligaciones de colaboración; no haya obtenido este beneficio en los últimos 10 años; no haya rechazado en los últimos 4 años anteriores a la declaración del concurso una oferta de empleo adecuada a su capacidad; y acepte de forma expresa que dicha resolución de exoneración se hará constar en el Registro Público Concursal.
Atención. Nunca se perdonarán los créditos privilegiados con Hacienda y la Seguridad Social, ni las deudas por alimentos derivadas de sentencia de divorcio.
Código de Buenas Prácticas para la reestructuración viable de las deudas con garantía hipotecaria sobre la vivienda habitual
En segundo término, se mejora también el «Código de Buenas Prácticas para la reestructuración viable de las deudas con garantía hipotecaria sobre la vivienda habitual», introducido por el Real Decreto-ley 6/2012, de 9 de marzo, de medidas urgentes de protección de deudores hipotecarios sin recursos, del que ya se han beneficiado cerca de 14.000 familias.
El Código de Buenas Prácticas para deudores hipotecarios, se modifica incrementando el conjunto de los ingresos de la unidad familiar el cual no podrá superar el límite de tres veces el IPREM anual de 14 pagas (anteriormente no debían disponer de ningún tipo de ingreso) e incluye al deudor mayor de 60 años aunque no reúna los requisitos para ser considerado unidad familiar. Se modifica también que la cuota hipotecaria resulte superior al 50% (antes debía ser superior al 60%) de los ingresos netos que perciba el conjunto de los miembros de la unidad familiar. Las entidades bancarias que se adhirieron al Código de Buenas Prácticas se entenderán que continúan adheridas si en el plazo de un mes desde la entrada en vigor del Real Decreto-ley no solicitan su exclusión de forma expresa.
También se introduce una nueva forma de cálculo del límite del precio de los bienes inmuebles adquiridos, según el precio medio por metro cuadrado para vivienda libre que arroje el Índice de Precios de la Vivienda elaborado por el Ministerio de Fomento para el año de adquisición del bien inmueble y la provincia en que esté radicada dicho bien, con un límite absoluto de 300.000 euros.
Adicionalmente, se introduce la inaplicación definitiva de las cláusulas suelo de aquellos deudores situados en el nuevo umbral de exclusión que las tuvieran incluidas en sus contratos.
Suspensión de los lanzamientos sobre viviendas habituales de colectivos especialmente vulnerables
Por último, se amplía por un plazo adicional de dos años (hasta 2017) la suspensión de los lanzamientos sobre viviendas habituales de colectivos especialmente vulnerables contenido en la Ley 1/2013, de 14 de mayo, de medidas para reforzar la protección a los deudores hipotecarios, reestructuración de deuda y alquiler social, así como el colectivo que puede beneficiarse de esta medida.
Pueden ponerse en contacto con este despacho profesional para cualquier duda o aclaración que puedan tener al respecto.
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