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About Rating10
What is Rating10?
Rating10 is a Spanish legal and financial consultancy specialized in the Ley de la Segunda Oportunidad (Second Chance Law). It helps individuals and self-employed professionals (autónomos) who are in a situation of insolvency to legally eliminate all or part of their debts. The firm handles the entire process, from initial analysis to court proceedings and follow-up, so clients can start fresh financially.
Who is Rating10 for?
Rating10 is designed for people living in Spain who cannot meet their payment obligations—whether from personal loans, credit cards, or business debts. It is ideal for those who qualify as "good faith" debtors under Spanish law and want a legal path to debt forgiveness without losing essential assets. It is not suitable for individuals with recent economic crimes or those who have already been exonerated in the last five years.
Real use cases
A freelancer overwhelmed by tax debts and bank loans can use Rating10 to restructure or cancel liabilities through the Second Chance Law. A family struggling with mortgage arrears and credit card debt can get legal representation to negotiate with banks and prepare a concurso de persona física (personal bankruptcy). Rating10 also assists companies with business debt restructuring and refinancing.
Key features
- Specialized legal team — Abogados, economistas y financieros expertos in Second Chance Law, debt restructuring, and creditor negotiation.
- End-to-end process management — From initial document analysis and feasibility study to court preparation and ongoing follow-up until case resolution (EPI).
- Debt cancellation up to 100% — Legal elimination of qualifying debts under the Ley de la Segunda Oportunidad, with asset protection if requirements are met.
- Corporate debt solutions — Refinancing and reestructuración de deuda empresarial for businesses facing insolvency.
- Proven experience — Over 20 years of practice and management of 30+ corporate bankruptcy cases annually across Spain.
SaaSpartout Score
7.1
/10
Editorial score from our review methodology — not user ratings.
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Rating10 Pricing
Rating10 pricing: Free initial consultation. Billing model: Free.
For comparison: the median starting price in Legal Tech is $49/month, measured across 37 tools we track. See the full SaaS Pricing Index →
Free initial consultation
Rating10 offers a no-cost first consultation to evaluate your financial situation and determine if you qualify for the Second Chance Law. Custom pricing for legal services depends on the complexity of each case and is provided after the initial analysis. Contact their team for a personalized quote.
Frequently asked questions
Is Rating10 free?
Rating10 offers a free initial consultation to assess your case. Pricing for legal services is custom and quoted after the review.
How much does Rating10 cost?
There is no standard fixed price. Rating10 provides a free first consultation, and then custom pricing based on your debt amount, case complexity, and required legal steps.
What is the Second Chance Law?
The Ley de la Segunda Oportunidad is a Spanish law that allows individuals and self-employed professionals to cancel all or part of their debts legally if they are insolvent and meet certain requirements (good faith, no recent economic crimes, etc.).
Who is Rating10 best for?
Rating10 is best for Spanish residents or freelancers struggling with personal or business debts who want to eliminate them legally without losing essential assets. It is not for those with recent criminal economic offenses or prior debt exemptions.
What are alternatives to Rating10?
Alternatives include other Spanish legal firms specializing in Second Chance Law, such as Abogados de la Segunda Oportunidad, Ley2Oportunidad, or specialized debt counselors. Compare pricing and experience before choosing.
Can Rating10 cancel 100% of my debts?
Yes, under the Second Chance Law, it is possible to eliminate 100% of qualifying debts if you meet the requirements. However, if your assets exceed your debts, a payment plan may be required instead of full cancellation.
