{"id":476,"date":"2026-10-14T00:10:09","date_gmt":"2026-10-13T22:10:09","guid":{"rendered":"https:\/\/ruizsogueroabogadas.com\/?page_id=476"},"modified":"2026-10-14T00:10:09","modified_gmt":"2026-10-13T22:10:09","slug":"derecho-bancario","status":"publish","type":"page","link":"https:\/\/ruizsogueroabogadas.com\/en\/areas-de-practica\/derecho-bancario\/","title":{"rendered":"Banking law and mortgage enforcement proceedings"},"content":{"rendered":"<a class=\"rs rs-saltar\" href=\"#contenido\">Skip to content<\/a>\n<header class=\"rs rs-cab\">\n<div class=\"rs-cab__in\">\n<a class=\"rs-cab__logo\" href=\"https:\/\/ruizsogueroabogadas.com\/en\/\" aria-label=\"Ruiz &amp; Soguero Abogadas, home\"><img fetchpriority=\"high\" decoding=\"async\" src=\"https:\/\/ruizsogueroabogadas.com\/wp-content\/uploads\/2026\/10\/rs-logo-horizontal.png\" alt=\"Ruiz &amp; Soguero Abogadas\" width=\"656\" height=\"132\"><\/a>\n<nav class=\"rs-cab__nav\" aria-label=\"Main\">\n<a href=\"https:\/\/ruizsogueroabogadas.com\/en\/areas-de-practica\/\">Practice areas<\/a>\n<a href=\"https:\/\/ruizsogueroabogadas.com\/en\/equipo\/\">Lawyers<\/a>\n<a href=\"https:\/\/ruizsogueroabogadas.com\/en\/despacho\/\">The firm<\/a>\n<a href=\"https:\/\/ruizsogueroabogadas.com\/en\/contacto\/\">Contact<\/a>\n<\/nav>\n<div class=\"rs-cab__acc\">\n<nav class=\"rs-cab__idioma\" aria-label=\"Idioma \/ Language\" data-no-translation>\n<a href=\"https:\/\/ruizsogueroabogadas.com\/en\/wp-json\/wp\/v2\/pages\/476\" lang=\"es\" hreflang=\"es\">ES<\/a>\n<a href=\"https:\/\/ruizsogueroabogadas.com\/en\/wp-json\/wp\/v2\/pages\/476\" lang=\"en\" hreflang=\"en\" aria-current=\"true\">EN<\/a>\n<\/nav>\n<a class=\"rs-cab__cta\" href=\"https:\/\/ruizsogueroabogadas.com\/en\/contacto\/\">Book a consultation<\/a>\n<button type=\"button\" class=\"rs-cab__menu\" aria-expanded=\"false\" aria-controls=\"rs-menu\" data-rs-abrir>\n<svg width=\"28\" height=\"18\" viewbox=\"0 0 28 18\" fill=\"none\" stroke=\"#5B4580\" stroke-width=\"2\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M1 2h26M1 9h26M1 16h26\"><\/path><\/svg>\n<span>Menu<\/span>\n<\/button>\n<\/div>\n<\/div>\n<\/header>\n<div class=\"rs rs-menu\" id=\"rs-menu\" role=\"dialog\" aria-modal=\"true\" aria-label=\"Menu\" hidden>\n<div class=\"rs-menu__cab\">\n<a href=\"https:\/\/ruizsogueroabogadas.com\/en\/\" aria-label=\"Ruiz &amp; Soguero Abogadas, home\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/ruizsogueroabogadas.com\/wp-content\/uploads\/2026\/10\/rs-logo-horizontal.png\" alt=\"Ruiz &amp; Soguero Abogadas\" width=\"656\" height=\"132\"><\/a>\n<button type=\"button\" class=\"rs-menu__cerrar\" data-rs-cerrar>\n<svg width=\"24\" height=\"24\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"#5B4580\" stroke-width=\"2\" stroke-linecap=\"round\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M4 4l16 16M20 4L4 20\"><\/path><\/svg>\n<span>Close<\/span>\n<\/button>\n<\/div>\n<div class=\"rs-menu__cuerpo\">\n<nav class=\"rs-menu__nav\" aria-label=\"Main\">\n<a href=\"https:\/\/ruizsogueroabogadas.com\/en\/areas-de-practica\/\"><span aria-hidden=\"true\">01<\/span><span>Practice areas<\/span><\/a>\n<a href=\"https:\/\/ruizsogueroabogadas.com\/en\/equipo\/\"><span aria-hidden=\"true\">02<\/span><span>Lawyers<\/span><\/a>\n<a href=\"https:\/\/ruizsogueroabogadas.com\/en\/despacho\/\"><span aria-hidden=\"true\">03<\/span><span>The firm<\/span><\/a>\n<a href=\"https:\/\/ruizsogueroabogadas.com\/en\/contacto\/\"><span aria-hidden=\"true\">04<\/span><span>Contact<\/span><\/a>\n<\/nav>\n<div class=\"rs-menu__lado\">\n<div>\n<p class=\"rs-etq\">Immigration<\/p>\n<div style=\"display: flex; flex-direction: column; gap: 10px; font-size: 16px\">\n<a href=\"https:\/\/ruizsogueroabogadas.com\/en\/areas-de-practica\/visado-no-lucrativo\/\">Non-lucrative residence visa<\/a>\n<a href=\"https:\/\/ruizsogueroabogadas.com\/en\/areas-de-practica\/renovaciones-de-residencia\/\">Residence permit renewals<\/a>\n<a href=\"https:\/\/ruizsogueroabogadas.com\/en\/areas-de-practica\/arraigo\/\">Residence through settlement (arraigo)<\/a>\n<a href=\"https:\/\/ruizsogueroabogadas.com\/en\/areas-de-practica\/nacionalidad-espanola\/\">Spanish nationality<\/a>\n<a href=\"https:\/\/ruizsogueroabogadas.com\/en\/areas-de-practica\/familiares-de-ciudadanos-de-la-ue\/\">Family members of EU citizens<\/a>\n<\/div>\n<\/div>\n<div style=\"border-top: 1px solid #E4DFD7; padding-top: 24px; font-size: 15px; line-height: 1.6; color: #4A4552\">\n<p class=\"rs-etq\" style=\"margin-bottom: 10px\">Barcelona office<\/p>\n<p style=\"margin: 0\">C\/ Rosell\u00f3n 372, 2\u00ba 4\u00aa \u00b7 08025 Barcelona<\/p>\n<p style=\"margin: 0\"><a href=\"tel:+34652369159\">+34 652 369 159<\/a> \u00b7 <a href=\"tel:+34623046195\">+34 623 046 195<\/a><\/p>\n<p style=\"margin: 0\"><a href=\"mailto:info@ruizsogueroabogadas.com\">info@ruizsogueroabogadas.com<\/a><\/p>\n<\/div>\n<a class=\"rs-boton\" href=\"https:\/\/ruizsogueroabogadas.com\/en\/contacto\/\" style=\"align-self: flex-start; display: inline-flex; align-items: center; min-height: 50px; padding: 0 24px; background: #2A2433; color: #FFFFFF; font-size: 15px; font-weight: 700\">Book your first consultation<\/a>\n<nav class=\"rs-menu__idioma\" aria-label=\"Idioma \/ Language\" data-no-translation style=\"display: flex; gap: 18px; font-size: 13px; letter-spacing: 0.08em\">\n<a href=\"https:\/\/ruizsogueroabogadas.com\/en\/wp-json\/wp\/v2\/pages\/476\" lang=\"es\" hreflang=\"es\" style=\"font-weight: 700\">ESPA\u00d1OL<\/a>\n<a href=\"https:\/\/ruizsogueroabogadas.com\/en\/wp-json\/wp\/v2\/pages\/476\" lang=\"en\" hreflang=\"en\" aria-current=\"true\" style=\"font-weight: 700\">ENGLISH<\/a>\n<\/nav>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<section class=\"rs\" id=\"contenido\" aria-labelledby=\"titulo\" style=\"background: #F3F0EB; border-bottom: 1px solid #E4DFD7\">\n<div style=\"max-width: 1200px; margin: 0 auto; padding: 48px clamp(20px, 4vw, 40px) 60px\">\n<nav aria-label=\"Breadcrumb\" style=\"font-size: 13px; color: #5F5A66\"><a href=\"https:\/\/ruizsogueroabogadas.com\/en\/\">Home<\/a> <span aria-hidden=\"true\">\/<\/span> <a href=\"https:\/\/ruizsogueroabogadas.com\/en\/areas-de-practica\/\">Practice areas<\/a> <span aria-hidden=\"true\">\/<\/span> <a href=\"https:\/\/ruizsogueroabogadas.com\/en\/areas-de-practica\/#civil\">Civil<\/a><\/nav>\n<p style=\"margin: 26px 0 12px; font-size: 12px; font-weight: 700; letter-spacing: 0.16em; text-transform: uppercase; color: #5B4580\">Civil<\/p>\n<div style=\"display: flex; flex-wrap: wrap; align-items: center; gap: 16px 32px\">\n<h1 id=\"titulo\" style=\"margin: 0; max-width: 860px; font-family: 'Cormorant Garamond', Georgia, serif; font-weight: 600; font-size: clamp(40px, 4.6vw, 64px); line-height: 1.04; color: #2A2433\">Banking law and mortgage enforcement proceedings<\/h1>\n<span aria-hidden=\"true\" style=\"flex: 1 1 100px; height: 2px; background: #C9B8E8\"><\/span>\n<\/div>\n<p style=\"max-width: 780px; margin: 24px 0 18px; font-size: 19px; line-height: 1.6; color: #3E3946\">We review mortgage loans, revolving credit cards and other banking products to identify unfair terms or usurious interest and to claim back what you have overpaid. We also defend people facing mortgage enforcement proceedings or struggling to pay for their home. We support you from the complaint to the bank through to court, explaining the realistic options in your case at every step.<\/p>\n<p style=\"margin: 0; font-size: 14px; color: #5F5A66\">By <a href=\"https:\/\/ruizsogueroabogadas.com\/en\/equipo\/aida-elias-soguero\/\" style=\"font-weight: 600; color: #5B4580\">Aida Elias Soguero<\/a>, ICAB member no. 44021 \u00b7 Updated on 14 October 2026<\/p>\n<\/div>\n<\/section>\n\n\n\n<section class=\"rs\" style=\"background: #FFFFFF\">\n<div style=\"max-width: 1200px; margin: 0 auto; padding: 56px clamp(20px, 4vw, 40px) 88px; display: flex; flex-wrap: wrap; gap: 48px 64px; align-items: flex-start\">\n<article style=\"flex: 2 1 620px; min-width: 0; display: flex; flex-direction: column; gap: 52px\">\n\n<div>\n<h2 style=\"margin: 0 0 18px; font-family: 'Cormorant Garamond', Georgia, serif; font-weight: 600; font-size: 34px; line-height: 1.1; color: #2A2433\">In brief<\/h2>\n<dl style=\"margin: 0; display: flex; flex-wrap: wrap; border-top: 1px solid #E4DFD7\">\n<div style=\"flex: 1 1 280px; padding: 18px 20px 18px 0; border-bottom: 1px solid #E4DFD7\">\n<dt style=\"font-size: 12px; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; color: #5B4580\">Who it is for<\/dt>\n<dd style=\"margin: 6px 0 0; font-size: 16px; line-height: 1.5\">Consumers with mortgages, loans or credit cards, and borrowers or guarantors facing mortgage enforcement.<\/dd>\n<\/div>\n<div style=\"flex: 1 1 280px; padding: 18px 20px 18px 0; border-bottom: 1px solid #E4DFD7\">\n<dt style=\"font-size: 12px; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; color: #5B4580\">Where to claim<\/dt>\n<dd style=\"margin: 6px 0 0; font-size: 16px; line-height: 1.5\">First, with the bank's customer service department; then with the Bank of Spain (Banco de Espa\u00f1a) or the courts.<\/dd>\n<\/div>\n<div style=\"flex: 1 1 280px; padding: 18px 20px 18px 0; border-bottom: 1px solid #E4DFD7\">\n<dt style=\"font-size: 12px; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; color: #5B4580\">Bank's response deadline<\/dt>\n<dd style=\"margin: 6px 0 0; font-size: 16px; line-height: 1.5\">One month from your complaint; 15 working days if it concerns payment services.<\/dd>\n<\/div>\n<div style=\"flex: 1 1 280px; padding: 18px 20px 18px 0; border-bottom: 1px solid #E4DFD7\">\n<dt style=\"font-size: 12px; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; color: #5B4580\">Fees<\/dt>\n<dd style=\"margin: 6px 0 0; font-size: 16px; line-height: 1.5\">We quote them in the first consultation (\u20ac40), with the option to pay in instalments.<\/dd>\n<\/div>\n<\/dl>\n<\/div>\n\n<div>\n<h2 style=\"margin: 0 0 18px; font-family: 'Cormorant Garamond', Georgia, serif; font-weight: 600; font-size: 34px; line-height: 1.1; color: #2A2433\">What it covers<\/h2>\n<ul style=\"margin: 0; padding: 0; list-style: none; display: flex; flex-direction: column; gap: 14px\">\n<li style=\"display: flex; gap: 14px; font-size: 16px; line-height: 1.6\"><span aria-hidden=\"true\" style=\"flex: 0 0 auto; width: 8px; height: 8px; margin-top: 9px; background: #9F86C9\"><\/span>Floor clause: prohibited in variable-rate loans subject to Law 5\/2019; in earlier loans it may be annulled for lack of transparency, with repayment of everything charged from the outset.<\/li>\n<li style=\"display: flex; gap: 14px; font-size: 16px; line-height: 1.6\"><span aria-hidden=\"true\" style=\"flex: 0 0 auto; width: 8px; height: 8px; margin-top: 9px; background: #9F86C9\"><\/span>Costs: under Law 5\/2019 the bank pays the notary's fee for the deed, land registration and processing agency, and you pay the valuation; in earlier loans the clause imposing them can be challenged.<\/li>\n<li style=\"display: flex; gap: 14px; font-size: 16px; line-height: 1.6\"><span aria-hidden=\"true\" style=\"flex: 0 0 auto; width: 8px; height: 8px; margin-top: 9px; background: #9F86C9\"><\/span>Early termination of residential mortgages: arrears reaching 3% of the capital or 12 monthly instalments (7% or 15 in the second half of the term) and a demand giving one month to pay.<\/li>\n<li style=\"display: flex; gap: 14px; font-size: 16px; line-height: 1.6\"><span aria-hidden=\"true\" style=\"flex: 0 0 auto; width: 8px; height: 8px; margin-top: 9px; background: #9F86C9\"><\/span>Revolving credit cards: according to the Supreme Court, the interest is 'notably higher' than normal, for usury purposes, if it exceeds the average market rate by more than 6 percentage points.<\/li>\n<li style=\"display: flex; gap: 14px; font-size: 16px; line-height: 1.6\"><span aria-hidden=\"true\" style=\"flex: 0 0 auto; width: 8px; height: 8px; margin-top: 9px; background: #9F86C9\"><\/span>Mortgage enforcement: you can oppose it on the grounds of unfair terms underlying the enforcement or the amount claimed, within ten days of service of the order authorising enforcement.<\/li>\n<li style=\"display: flex; gap: 14px; font-size: 16px; line-height: 1.6\"><span aria-hidden=\"true\" style=\"flex: 0 0 auto; width: 8px; height: 8px; margin-top: 9px; background: #9F86C9\"><\/span>Vulnerable borrowers: if your bank has signed up to the Code of Good Practice and you meet the requirements, you can request restructuring, a debt write-down or surrender of your main home in payment (daci\u00f3n en pago).<\/li>\n<li style=\"display: flex; gap: 14px; font-size: 16px; line-height: 1.6\"><span aria-hidden=\"true\" style=\"flex: 0 0 auto; width: 8px; height: 8px; margin-top: 9px; background: #9F86C9\"><\/span>Until 15 May 2028, especially vulnerable families meeting the financial requirements of Law 1\/2013 cannot be evicted from a main home sold in mortgage enforcement.<\/li>\n<li style=\"display: flex; gap: 14px; font-size: 16px; line-height: 1.6\"><span aria-hidden=\"true\" style=\"flex: 0 0 auto; width: 8px; height: 8px; margin-top: 9px; background: #9F86C9\"><\/span>In Catalonia, if the creditor is a large property holder (gran tenedor) and your household has no other home and is at risk of housing exclusion, it must offer you social rent before suing (Catalan Law 24\/2015).<\/li>\n<\/ul>\n<\/div>\n\n<div>\n<h2 style=\"margin: 0 0 22px; font-family: 'Cormorant Garamond', Georgia, serif; font-weight: 600; font-size: 34px; line-height: 1.1; color: #2A2433\">How we help you<\/h2>\n<ol style=\"margin: 0; padding: 0; list-style: none; display: flex; flex-direction: column\">\n<li style=\"display: flex; gap: 22px; padding: 18px 0; border-top: 1px solid #E4DFD7\">\n<span aria-hidden=\"true\" style=\"flex: 0 0 40px; font-family: 'Cormorant Garamond', Georgia, serif; font-weight: 600; font-size: 30px; line-height: 1; color: #9F86C9\">1<\/span>\n<div><h3 style=\"margin: 0 0 4px; font-size: 17px; font-weight: 600\">We study your case<\/h3><p style=\"margin: 0; font-size: 15px; line-height: 1.6; color: #5F5A66\">We review the deed, the card agreement, your statements and correspondence with the bank to identify questionable terms and estimate what you could claim.<\/p><\/div>\n<\/li>\n<li style=\"display: flex; gap: 22px; padding: 18px 0; border-top: 1px solid #E4DFD7\">\n<span aria-hidden=\"true\" style=\"flex: 0 0 40px; font-family: 'Cormorant Garamond', Georgia, serif; font-weight: 600; font-size: 30px; line-height: 1; color: #9F86C9\">2<\/span>\n<div><h3 style=\"margin: 0 0 4px; font-size: 17px; font-weight: 600\">We file a complaint with the bank<\/h3><p style=\"margin: 0; font-size: 15px; line-height: 1.6; color: #5F5A66\">We file a written complaint with its customer service department, which must decide within one month; if it does not reply or rejects it, we consider going to the Bank of Spain.<\/p><\/div>\n<\/li>\n<li style=\"display: flex; gap: 22px; padding: 18px 0; border-top: 1px solid #E4DFD7\">\n<span aria-hidden=\"true\" style=\"flex: 0 0 40px; font-family: 'Cormorant Garamond', Georgia, serif; font-weight: 600; font-size: 30px; line-height: 1; color: #9F86C9\">3<\/span>\n<div><h3 style=\"margin: 0 0 4px; font-size: 17px; font-weight: 600\">Claim or opposition<\/h3><p style=\"margin: 0; font-size: 15px; line-height: 1.6; color: #5F5A66\">If no agreement is reached, we file the claim with proof of the prior attempt at negotiation required by law. If the bank has already started enforcement, we prepare the opposition in time.<\/p><\/div>\n<\/li>\n<li style=\"display: flex; gap: 22px; padding: 18px 0; border-top: 1px solid #E4DFD7; border-bottom: 1px solid #E4DFD7\">\n<span aria-hidden=\"true\" style=\"flex: 0 0 40px; font-family: 'Cormorant Garamond', Georgia, serif; font-weight: 600; font-size: 30px; line-height: 1; color: #9F86C9\">4<\/span>\n<div><h3 style=\"margin: 0 0 4px; font-size: 17px; font-weight: 600\">Follow-up to the end<\/h3><p style=\"margin: 0; font-size: 15px; line-height: 1.6; color: #5F5A66\">We keep you informed at every stage, check that the bank repays whatever is found to be owed and, if your home is at risk, apply for the protective measures available.<\/p><\/div>\n<\/li>\n<\/ol>\n<\/div>\n\n<div>\n<h2 style=\"margin: 0 0 12px; font-family: 'Cormorant Garamond', Georgia, serif; font-weight: 600; font-size: 34px; line-height: 1.1; color: #2A2433\">Frequently asked questions<\/h2>\n<div style=\"border-top: 1px solid #E4DFD7\">\n<details open=\"open\" style=\"border-bottom: 1px solid #E4DFD7; padding: 18px 0\">\n<summary style=\"display: flex; justify-content: space-between; align-items: center; gap: 16px; min-height: 44px; font-size: 17px; font-weight: 600\">What happens if the bank does not answer my complaint?<span class=\"rs-signo\" aria-hidden=\"true\" style=\"font-size: 22px; font-weight: 400; color: #5B4580\"><\/span><\/summary>\n<p style=\"margin: 8px 0 0; font-size: 15px; line-height: 1.65; color: #5F5A66\">It must decide within one month (15 working days for payment services). If it does not, or rejects it, you can go to the Bank of Spain, whose report is not binding, or to court. If you are a consumer, that prior complaint satisfies the attempt at negotiation the law requires before suing.<\/p>\n<\/details>\n<details style=\"border-bottom: 1px solid #E4DFD7; padding: 18px 0\">\n<summary style=\"display: flex; justify-content: space-between; align-items: center; gap: 16px; min-height: 44px; font-size: 17px; font-weight: 600\">I have been paying a revolving credit card for years. Can I get money back?<span class=\"rs-signo\" aria-hidden=\"true\" style=\"font-size: 22px; font-weight: 400; color: #5B4580\"><\/span><\/summary>\n<p style=\"margin: 8px 0 0; font-size: 15px; line-height: 1.65; color: #5F5A66\">If the agreement is declared usurious, you only repay the capital you drew down and the bank refunds anything paid above it (art. 3 of the Usury Act). The interest clause may also be annulled for lack of transparency. The action for nullity is not time-barred, but the action for repayment is, so it is best not to delay.<\/p>\n<\/details>\n<details style=\"border-bottom: 1px solid #E4DFD7; padding: 18px 0\">\n<summary style=\"display: flex; justify-content: space-between; align-items: center; gap: 16px; min-height: 44px; font-size: 17px; font-weight: 600\">I have been served with mortgage enforcement proceedings. What can I do?<span class=\"rs-signo\" aria-hidden=\"true\" style=\"font-size: 22px; font-weight: 400; color: #5B4580\"><\/span><\/summary>\n<p style=\"margin: 8px 0 0; font-size: 15px; line-height: 1.65; color: #5F5A66\">Act quickly: you have ten days from service of the order authorising enforcement to oppose it. Among other grounds, you can rely on unfair terms, which the court also examines of its own motion. We also check whether you qualify for the Code of Good Practice or for suspension of eviction on grounds of vulnerability.<\/p>\n<\/details>\n<\/div>\n<\/div>\n\n<div>\n<h2 style=\"margin: 0 0 10px; font-family: 'Cormorant Garamond', Georgia, serif; font-weight: 600; font-size: 28px; line-height: 1.1; color: #2A2433\">Legislation<\/h2>\n<ul style=\"margin: 0; padding: 0; list-style: none; border-top: 1px solid #E4DFD7\">\n<li style=\"padding: 10px 0; border-bottom: 1px solid #F0ECE6; font-size: 15px; line-height: 1.5\"><a href=\"https:\/\/www.boe.es\/buscar\/act.php?id=BOE-A-2019-3814\" rel=\"noopener\" style=\"color: #5B4580; text-decoration: underline; text-underline-offset: 3px\">Law 5\/2019 of 15 March regulating real estate credit agreements (arts. 14, 21 and 24, and first transitional provision)<\/a><\/li>\n<li style=\"padding: 10px 0; border-bottom: 1px solid #F0ECE6; font-size: 15px; line-height: 1.5\"><a href=\"https:\/\/www.boe.es\/buscar\/act.php?id=BOE-A-1908-5579\" rel=\"noopener\" style=\"color: #5B4580; text-decoration: underline; text-underline-offset: 3px\">Law of 23 July 1908 on the nullity of usurious loan agreements (Usury Act) (arts. 1 and 3)<\/a><\/li>\n<li style=\"padding: 10px 0; border-bottom: 1px solid #F0ECE6; font-size: 15px; line-height: 1.5\"><a href=\"https:\/\/www.boe.es\/buscar\/act.php?id=BOE-A-2000-323\" rel=\"noopener\" style=\"color: #5B4580; text-decoration: underline; text-underline-offset: 3px\">Civil Procedure Act 1\/2000 of 7 January (arts. 552, 556, 557 and 695)<\/a><\/li>\n<li style=\"padding: 10px 0; border-bottom: 1px solid #F0ECE6; font-size: 15px; line-height: 1.5\"><a href=\"https:\/\/www.boe.es\/buscar\/act.php?id=BOE-A-2012-3394\" rel=\"noopener\" style=\"color: #5B4580; text-decoration: underline; text-underline-offset: 3px\">Royal Decree-Law 6\/2012 of 9 March on urgent measures to protect mortgage debtors without resources (Code of Good Practice)<\/a><\/li>\n<\/ul>\n<\/div>\n<\/article>\n\n<aside style=\"flex: 1 1 300px; min-width: 0; display: flex; flex-direction: column; gap: 24px\">\n<div style=\"border: 1px solid #E4DFD7\">\n<img loading=\"lazy\" src=\"https:\/\/ruizsogueroabogadas.com\/wp-content\/uploads\/2026\/10\/rs-aida-elias-soguero.jpg\" width=\"720\" height=\"960\" decoding=\"async\" alt=\"Portrait of Aida Elias Soguero\" style=\"display: block; width: 100%; height: 260px; object-fit: cover; object-position: 50% 16%\">\n<div style=\"padding: 22px 22px 24px\">\n<p style=\"margin: 0 0 6px; font-size: 12px; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase; color: #5B4580\">Lawyer in charge<\/p>\n<p style=\"margin: 0 0 4px; font-family: 'Cormorant Garamond', Georgia, serif; font-weight: 600; font-size: 26px; line-height: 1.15\">Aida Elias Soguero<\/p>\n<p style=\"margin: 0 0 16px; font-size: 14px; color: #5F5A66\">Civil \u00b7 ICAB member no. 44021<\/p>\n<div style=\"display: flex; flex-wrap: wrap; gap: 10px\">\n<a class=\"rs-boton\" href=\"https:\/\/ruizsogueroabogadas.com\/en\/contacto\/\" style=\"display: inline-flex; align-items: center; min-height: 46px; padding: 0 18px; background: #2A2433; color: #FFFFFF; font-size: 14px; font-weight: 700\">Book a consultation<\/a>\n<a class=\"rs-boton-burdeos\" href=\"https:\/\/ruizsogueroabogadas.com\/en\/equipo\/aida-elias-soguero\/\" style=\"display: inline-flex; align-items: center; min-height: 46px; padding: 0 16px; border: 1px solid #A30000; background: #A30000; color: #FFFFFF; font-size: 14px; font-weight: 600\">View profile<\/a>\n<\/div>\n<\/div>\n<\/div>\n<div style=\"padding: 24px 22px; background: #F3F0EB\">\n<p style=\"margin: 0 0 4px; font-size: 12px; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase; color: #5B4580\">First consultation<\/p>\n<p style=\"margin: 0 0 12px; font-family: 'Cormorant Garamond', Georgia, serif; font-weight: 600; font-size: 40px; line-height: 1\">\u20ac40<\/p>\n<ul style=\"margin: 0; padding: 0; list-style: none; display: flex; flex-direction: column; gap: 8px; font-size: 14px; line-height: 1.5; color: #4A4552\">\n<li>If you contact us through the website<\/li>\n<li>Reply within 24 to 48 working hours<\/li>\n<li>In person or by video call<\/li>\n<\/ul>\n<\/div>\n<nav aria-label=\"More civil law services\">\n<p style=\"margin: 0 0 10px; font-size: 12px; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase; color: #5B4580\">More civil law services<\/p>\n<a href=\"https:\/\/ruizsogueroabogadas.com\/en\/areas-de-practica\/separaciones-y-divorcios\/\" style=\"display: flex; justify-content: space-between; align-items: center; gap: 12px; padding: 11px 0; border-top: 1px solid #E4DFD7; font-size: 15px; line-height: 1.35; color: #2A2433\">Separation and divorce<span aria-hidden=\"true\" style=\"color: #9F86C9\">\u203a<\/span><\/a>\n<a href=\"https:\/\/ruizsogueroabogadas.com\/en\/areas-de-practica\/herencias\/\" style=\"display: flex; justify-content: space-between; align-items: center; gap: 12px; padding: 11px 0; border-top: 1px solid #E4DFD7; font-size: 15px; line-height: 1.35; color: #2A2433\">Inheritance and succession law<span aria-hidden=\"true\" style=\"color: #9F86C9\">\u203a<\/span><\/a>\n<a href=\"https:\/\/ruizsogueroabogadas.com\/en\/areas-de-practica\/compraventa-de-inmuebles\/\" style=\"display: flex; justify-content: space-between; align-items: center; gap: 12px; padding: 11px 0; border-top: 1px solid #E4DFD7; font-size: 15px; line-height: 1.35; color: #2A2433\">Buying and selling property<span aria-hidden=\"true\" style=\"color: #9F86C9\">\u203a<\/span><\/a>\n<a href=\"https:\/\/ruizsogueroabogadas.com\/en\/areas-de-practica\/arrendamientos-y-desahucios\/\" style=\"display: flex; justify-content: space-between; align-items: center; gap: 12px; padding: 11px 0; border-top: 1px solid #E4DFD7; font-size: 15px; line-height: 1.35; color: #2A2433\">Leases and evictions<span aria-hidden=\"true\" style=\"color: #9F86C9\">\u203a<\/span><\/a>\n<a href=\"https:\/\/ruizsogueroabogadas.com\/en\/areas-de-practica\/comunidades-de-propietarios\/\" style=\"display: flex; justify-content: space-between; align-items: center; gap: 12px; padding: 11px 0; border-top: 1px solid #E4DFD7; font-size: 15px; line-height: 1.35; color: #2A2433\">Communities of owners (comunidades de propietarios)<span aria-hidden=\"true\" style=\"color: #9F86C9\">\u203a<\/span><\/a>\n<a href=\"https:\/\/ruizsogueroabogadas.com\/en\/areas-de-practica\/reclamaciones-a-aseguradoras\/\" style=\"display: flex; justify-content: space-between; align-items: center; gap: 12px; padding: 11px 0; border-top: 1px solid #E4DFD7; font-size: 15px; line-height: 1.35; color: #2A2433\">Claims against insurance companies<span aria-hidden=\"true\" style=\"color: #9F86C9\">\u203a<\/span><\/a>\n<a href=\"https:\/\/ruizsogueroabogadas.com\/en\/areas-de-practica\/accidentes-de-trafico\/\" style=\"display: flex; justify-content: space-between; align-items: center; gap: 12px; padding: 11px 0; border-top: 1px solid #E4DFD7; font-size: 15px; line-height: 1.35; color: #2A2433\">Road traffic accidents<span aria-hidden=\"true\" style=\"color: #9F86C9\">\u203a<\/span><\/a>\n<\/nav>\n<\/aside>\n<\/div>\n<\/section>\n\n\n\n<footer class=\"rs rs-pie\">\n<nav class=\"rs-pie__areas\" aria-label=\"Practice areas\">\n<a href=\"https:\/\/ruizsogueroabogadas.com\/en\/areas-de-practica\/#extranjeria\">Immigration<\/a>\n<a href=\"https:\/\/ruizsogueroabogadas.com\/en\/areas-de-practica\/#fiscal\">Tax<\/a>\n<a href=\"https:\/\/ruizsogueroabogadas.com\/en\/areas-de-practica\/#civil\">Civil<\/a>\n<a href=\"https:\/\/ruizsogueroabogadas.com\/en\/areas-de-practica\/#administrativo\">Administrative<\/a>\n<a href=\"https:\/\/ruizsogueroabogadas.com\/en\/areas-de-practica\/#mercantil\">Commercial<\/a>\n<\/nav>\n<div style=\"max-width: 1200px; margin: 0 auto; padding: 48px clamp(20px, 4vw, 40px) 36px; display: flex; flex-wrap: wrap; justify-content: space-between; gap: 32px 48px\">\n<div style=\"flex: 1 1 420px; min-width: 0; display: flex; flex-wrap: wrap; gap: 28px 48px\">\n<div style=\"flex: 1 1 220px; min-width: 0\">\n<p class=\"rs-etq\" style=\"margin-bottom: 10px\">Barcelona office<\/p>\n<p style=\"margin: 0; font-size: 15px; line-height: 1.6; color: #4A4552\">C\/ Rosell\u00f3n 372, 2\u00ba 4\u00aa<br>08025 Barcelona<br>By appointment only<\/p>\n<\/div>\n<div style=\"flex: 1 1 220px; min-width: 0\">\n<p class=\"rs-etq\" style=\"margin-bottom: 10px\">Contact<\/p>\n<p style=\"margin: 0; font-size: 15px; line-height: 1.6; color: #4A4552\"><a href=\"tel:+34652369159\">+34 652 369 159<\/a><br><a href=\"tel:+34623046195\">+34 623 046 195<\/a><br><a href=\"mailto:info@ruizsogueroabogadas.com\">info@ruizsogueroabogadas.com<\/a><\/p>\n<\/div>\n<\/div>\n<div style=\"flex: 0 1 auto; display: flex; flex-direction: column; align-items: flex-start; gap: 16px\">\n<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/ruizsogueroabogadas.com\/wp-content\/uploads\/2026\/10\/rs-logo-horizontal.png\" alt=\"Ruiz &amp; Soguero Abogadas\" width=\"656\" height=\"132\" style=\"display: block; height: 52px; width: auto\">\n<div style=\"display: flex; gap: 8px\">\n<a class=\"rs-social\" href=\"https:\/\/www.linkedin.com\/company\/ruiz-soguero-abogadas\/\" rel=\"noopener\" style=\"display: inline-flex; align-items: center; min-height: 44px; padding: 0 14px; border: 1px solid #A30000; font-size: 13px; font-weight: 600\">LinkedIn<\/a>\n<a class=\"rs-social\" href=\"https:\/\/www.instagram.com\/ruizsogueroabogadas\/\" rel=\"noopener\" style=\"display: inline-flex; align-items: center; min-height: 44px; padding: 0 14px; border: 1px solid #A30000; font-size: 13px; font-weight: 600\">Instagram<\/a>\n<\/div>\n<\/div>\n<\/div>\n<div style=\"max-width: 1200px; margin: 0 auto; padding: 0 clamp(20px, 4vw, 40px)\">\n<div style=\"padding: 18px 0 30px; display: flex; flex-wrap: wrap; justify-content: space-between; align-items: center; gap: 12px 24px; border-top: 1px solid #E4DFD7; font-size: 13px; color: #5F5A66\">\n<nav aria-label=\"Footer links\" style=\"display: flex; flex-wrap: wrap; gap: 8px 18px\">\n<a href=\"https:\/\/ruizsogueroabogadas.com\/en\/despacho\/\">The firm<\/a>\n<a href=\"https:\/\/ruizsogueroabogadas.com\/en\/equipo\/\">Lawyers<\/a>\n<a href=\"https:\/\/ruizsogueroabogadas.com\/en\/areas-de-practica\/\">Practice areas<\/a>\n<a href=\"https:\/\/ruizsogueroabogadas.com\/en\/contacto\/\">Contact<\/a>\n<\/nav>\n<span>\u00a9 2026 Ruiz &amp; Soguero Abogadas<\/span>\n<\/div>\n<\/div>\n<div style=\"background: #FFFFFF; border-top: 1px solid #E4DFD7\">\n<div style=\"max-width: 1200px; margin: 0 auto; padding: 14px clamp(20px, 4vw, 40px); display: flex; flex-wrap: wrap; align-items: center; gap: 12px 24px\">\n<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/ruizsogueroabogadas.com\/wp-content\/uploads\/2023\/08\/normal-reproduction-high-resolution-400x267-1.jpg\" alt=\"Flag of the European Union\" width=\"400\" height=\"267\" style=\"display: block; height: 34px; width: auto\">\n<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/ruizsogueroabogadas.com\/wp-content\/uploads\/2023\/08\/plan_recuperacion-300x169.png\" alt=\"Recovery, Transformation and Resilience Plan\" width=\"300\" height=\"169\" style=\"display: block; height: 46px; width: auto\">\n<span style=\"font-size: 12px; color: #4A4552\">Funded by the European Union \u2013 NextGenerationEU<\/span>\n<\/div>\n<\/div>\n<\/footer>","protected":false},"excerpt":{"rendered":"<p>Inicio \/ \u00c1reas de pr\u00e1ctica \/ Civil Civil Derecho bancario y ejecuciones hipotecarias Revisamos pr\u00e9stamos hipotecarios, tarjetas revolving y otros productos bancarios para detectar cl\u00e1usulas abusivas o intereses usurarios y reclamar lo pagado de m\u00e1s. Tambi\u00e9n defendemos a quien recibe una demanda de ejecuci\u00f3n hipotecaria o tiene dificultades para pagar su vivienda. Le acompa\u00f1amos desde [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":429,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_canvas","meta":{"footnotes":""},"class_list":["post-476","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/ruizsogueroabogadas.com\/en\/wp-json\/wp\/v2\/pages\/476","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ruizsogueroabogadas.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/ruizsogueroabogadas.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/ruizsogueroabogadas.com\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/ruizsogueroabogadas.com\/en\/wp-json\/wp\/v2\/comments?post=476"}],"version-history":[{"count":1,"href":"https:\/\/ruizsogueroabogadas.com\/en\/wp-json\/wp\/v2\/pages\/476\/revisions"}],"predecessor-version":[{"id":509,"href":"https:\/\/ruizsogueroabogadas.com\/en\/wp-json\/wp\/v2\/pages\/476\/revisions\/509"}],"up":[{"embeddable":true,"href":"https:\/\/ruizsogueroabogadas.com\/en\/wp-json\/wp\/v2\/pages\/429"}],"wp:attachment":[{"href":"https:\/\/ruizsogueroabogadas.com\/en\/wp-json\/wp\/v2\/media?parent=476"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}