We keep it simple:

1. Initial consultation:

You tell us about your situation – we honestly assess how we can help you.

2. Setup:

We take care of all the formal steps. No Spanish required, no officialese.

3. 12-month process:

The official process is underway, you continue living your life – anywhere in the world.

4. Clean slate:

After one year, your debts are cleared. A fresh start, without any baggage.



Do I have to live in Spain?

No. It is not necessary to reside permanently in Spain if you can prove that you are working abroad. We will set up the necessary legal structure for you.

Can I work in Spain?

Of course. We will show you how. 

You can find more information on this under 

extended service.

How much does it cost?

We will clarify the total costs transparently during the initial consultation.

How discreet is the process?

Maximum discretion. No one will find out – unless you want them to.

Am I qualified?

We can clarify this in 15 minutes – free of charge and without obligation.

Financial problems are not a moral failure – they are stumbling blocks that need to be cleared away.

With DEBTS-X, you can do just that: clear them away, move on, and get started.

Find out more about debt relief through Spanish personal insolvency

Ready for a fresh start? Let's talk – directly, honestly, without pressure.

DEBTS-X – Because your next chapter

begins debt-free.