Soluciona Mi Deuda
Legal-financial advisory: second chance, renegotiation, insolvency and credit files
An advisory firm that resolves debts for individuals and freelancers. And the TRLC sets the pace of every file.
What debt discharge, insolvency volume and the GDPR require of this profile, and how it can serve more cases without standing up a new technical department.
Technical case study
The challenge
Case volume, the same questions on every lead.
What this profile costs today
- 01Documenting insolvency and good faith case by case (arts. 486–487)
- 02Automating the file without breaking legal judgement
- 03CRM and follow-up at the scale of thousands of active clients
- 04GDPR and LOPDGDD on bank and delinquency data
- 05Half-built links to creditors, credit files and court channels
- 06Choosing between growing sales or stabilising operations
From questionnaire to deliverable
Five questions every lead asks. One technical answer ready for each.
What each client asks, the rule behind it, and what Globodain prepares once so operations can reuse it on every case.
What the client asks
Rule or standard
What Globodain prepares
01Can I use the second-chance procedure?
TRLC arts. 486–487
What Globodain prepares ·A technical checklist of insolvency and good-faith evidence for legal to complete case by case.
02Which debts can be cancelled?
TRLC art. 489
What Globodain prepares ·Case-file fields and validations that separate dischargeable and non-dischargeable claims.
03Can I keep my home?
TRLC payment plan
What Globodain prepares ·Document flow for the payment plan and CRM statuses for court follow-up.
04Who sees my bank data?
GDPR · LOPDGDD
What Globodain prepares ·A processing map, roles and retention ready for the DPO and the contract.
05How long does it take and where am I?
Ops · internal SLA
What Globodain prepares ·Case statuses, alerts and one panel for intake and legal.
Its market
A sector scaling on volume with several models competing.
What public sources show about the sector and its competitors.
36,996
natural-person insolvencies in 2023 (consumers +114.2%)
CGPJ
26 Sep 2022
reformed debt discharge in force (payment plan without prior liquidation)
Law 16/2022
35,510
natural-person and freelancer insolvencies estimated in 2024
REFOR / CGE
Companies in the sector
Repara tu Deuda
Firm specialised in Spain’s second-chance law since 2015
Deudafix
Second-chance legaltech built for volume and online process
Debify
Second chance, debt reunification and insolvency for freelancers
Empezar de Nuevo
Online insolvency firm focused on debt discharge
reclamador.es
Legaltech; integrates Abogados para tus Deudas (second chance)
The profile that combines second chance, renegotiation and credit files carries more technical surface than one that only files insolvencies.
What we propose
One technology partner for its three lines at once.
A single interlocutor answers leadership, operations and the legal team.
Leadership
A single interlocutor
One technology conversation instead of several vendors coordinated by hand.
Operations
An ordered case file
Flows, CRM and evidence ready for volume, without rebuilding them at every peak.
Legal team
Capacity that adds
Reinforcement in data, automation and security, without replacing legal judgement.
Expected impact
More cases served with the same operating core.
What changes when CRM, documents and GDPR stop consuming the team.
×2.0
cases it can serve by the end of the period, versus staying without a partner
−27 pts
of technical time going back to product and cases
6 → 1
technical areas, a single interlocutor
Illustrative scenario, not a forecast. Index 100 = cases it can serve at the start of the period. Assumption: freed time goes back to operations and sales.
How we would solve it
A continuous rhythm, not a project with an end date.
Each turn leaves evidence and sets the priority of the next.
Phase 01
Diagnosis
CRM, case file, data, access, integrations and infrastructure.
Phase 02
Audit
A report leadership, operations and the DPO can read.
Phase 03
Implementation
We fix things alongside its team, without replacing it.
Phase 04
Vigilance
Early warning when volume or the rules require moving the roadmap.
Benefits and advantages
What this profile gains from the first quarter.
01
A repeatable case file
The same documentary quality at lead peaks and in the trough.
02
Ordered GDPR
Data map, retention and access ready for the DPO.
03
A CRM that holds
Statuses, SLAs and handoff between intake and legal.
04
Less daily firefighting
Stable integrations and queues toward creditors and credit files.
05
A single partner
One relationship covers second chance, renegotiation and credit files.
06
A team on cases
Technical time goes back to product and clients.
Why Globodain
Capabilities that apply to a debt advisory firm at scale.
Scope note: the mention of regulated environments describes applicable capabilities, not an accredited track record in debt cancellation.
- 01
Cybersecurity
Access and protection on case files holding sensitive financial data.
- 02
Technical audit
Data and privacy, CRM, integrations, infrastructure and code.
- 03
Compliance
A technical reading of operational TRLC, GDPR and LOPDGDD on its stack.
- 04
Cloud and DevOps
Infrastructure ready for intake peaks without tech debt.
- 05
Integrations
CRM, signature, storage and queues toward creditors or courts.
- 06
Vigilance
Early warning of regulatory changes that affect the case file.
Scope and limits
So it is clear from day one.
What we bring
- Technical audit, implementation and continuous vigilance
- A report with findings and priorities
- A stable interlocutor, not a one-off vendor
What we do not do
- We do not certify regulatory compliance
- We do not issue certificates or seals to third parties
- We do not replace legal advice: we complement it
Certifications and legal advice belong to authorised third parties. We provide technology support: audit, implementation and vigilance.
Does your case look like this profile? Let's analyse it.
This study was built from public sources on the sector. If yours looks similar, Rubén Ayuso will analyse it with you and prepare one for you.
Technical study prepared by Globodain Technology Corporation from public sources. The companies named are examples from the sector: this does not imply a commercial relationship or their participation. Not a contract: figures and scenarios are indicative.
