Reparatudeuda

What Reparatudeuda does

Reparatudeuda (legal entity: REPARA TU DEUDA LEGAL GROUP, S.L.U.) is a Spanish law firm founded in September 2015 in Sabadell, Barcelona, that specializes exclusively in debt cancellation through Spain's Ley de la Segunda Oportunidad (Second Chance Law). The firm serves over-indebted individuals, self-employed professionals, and asset-less debtors who cannot meet obligations to banks, credit institutions, Social Security, or tax authorities. Its core service is delivered as a flat €99-per-month subscription with no upfront fees and a 5-year post-BEPI free legal advisory included, a Netflix-style pricing model that removes the cash barrier for distressed clients and runs through the typical 12-18 month court process.

Operating model is sales-led and inside-sales-driven, combining a dedicated phone contracting line (900 831 652), an online self-service contracting portal, WhatsApp lead capture, and physical offices across eight Spanish cities (Sabadell HQ, Barcelona, Madrid, Valencia, Alicante, Sevilla, Zaragoza, Tenerife). The firm uses celebrity endorsements (Bertín Osborne as brand ambassador, plus Matías Prats, Javier Cárdenas, Belén Esteban) and a heavy content/video/testimonial marketing engine to generate top-of-funnel demand in a category where trust is the binding conversion constraint.

Technology stack consists of the MyRepara mobile application (iOS/Android with 24-hour lawyer video conferencing and case tracking) and the REPARA IA platform launched in 2026 for AI-assisted interpretation and application of the Second Chance Law. The firm reports 154,421+ lifetime clients, cumulative debt cancelled of €448,247,695.41, an 87% claimed market share of all Spanish Second Chance Law cases, and a 100% success rate in cases managed, supported by 100+ employees and recognized through the 2021 Premio Nacional Ley and Number 1 rankings in Expansión and La Vanguardia.

Name

Reparatudeuda

Legal name

REPARA TU DEUDA LEGAL GROUP, S.L.U.

Website

https://reparatudeuda.es

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

51–100 employees

Short description

Reparatudeuda is a Spanish law firm founded in 2015 that helps over-indebted individuals and self-employed professionals cancel their debts through Spain's Second Chance Law, operating via a €99/month subscription model with offices across Spain and a mobile app.

Ownership category

akta.pro rank

Product category

Legal Services — Debt Cancellation / Insolvency Law (Second Chance Law)

SIC

Services-Legal Services (8111)

akta.pro primary industry

Legal Aid & Client Advocacy Services (BPAGAEAM)

akta.pro secondary industry

Repossession & Asset Recovery (Non-mortgage) (FSAKAJAF)

Keywords

• Debt cancellation services
• Second chance law
• Legal subscription services
• Insolvency legal services
• Consumer debt relief

Headquarters

HQ city

Sabadell

HQ country

Spain

HQ region

Europe

Offices8 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Technology or R&D, Operations, Infrastructure

Revenue model

1. Monthly Subscription - Legal Services: Monthly subscription model similar to Netflix, charging 99 euros per month for ongoing legal representation and case management for Second Chance Law proceedings. No upfront fees required. The subscription continues throughout the legal process (typically 12-18 months) and for 5 years after obtaining BEPI (Beneficio de Exoneración del Pasivo Insatisfecho) for free legal advisory services.
2. Free Initial Consultation: Free integral legal advisory included in the service. After obtaining BEPI, 5 years of free legal advisory is provided for various situations.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

Reparatudeuda is a Spanish law firm that helps over-indebted individuals and self-employed professionals cancel their debts through Spain's Second Chance Law (Ley de la Segunda Oportunidad). The firm operates a subscription-based legal services model at 99 EUR per month covering end-to-end legal representation from initial consultation through court proceedings and BEPI obtainment, with five years of free post-exoneration legal advisory included. Services are delivered in person, by phone, and via the proprietary MyRepara mobile app and REPARA IA platform.

Product overview

Reparatudeuda operates as a subscription-based legal services firm offering debt cancellation through the Ley de la Segunda Oportunidad (Second Chance Law) in Spain. The core product is the monthly subscription legal service at 99 EUR/month, which handles the full debt cancellation process from initial assessment through court proceedings. This is supported by the MyRepara mobile app (iOS and Android), which provides video conferencing with lawyers, online procedure tracking, and form submission. The company has also launched REPARA IA, an AI-powered platform for legal interpretation and access to the Second Chance Law. The Vida Nueva Sin Deudas program provides post-exoneration accompaniment and notarial certification to help clients reintegrate into financial life. All services are delivered by Repara tu Deuda Legal Group S.L.U., founded in September 2015 and headquartered in Sabadell, Barcelona.

Differentiator

Problem solved

Functional benefit

Products and services

• Ley de la Segunda Oportunidad — Servicio de Abogacía (Suscripción) Reparatudeuda's core legal service that helps individuals and self-employed professionals cancel their debts through the Spanish Second Chance Law. Offered as a monthly subscription at 99 EUR per month with no initial payment, providing end-to-end legal representation from initial consultation through court proceedings and BEPI (Beneficio de Exoneración del Pasivo Insatisfecho) obtainment, including free integral legal advice for 5 years after BEPI is obtained.
• MyRepara Mobile Application Mobile application available on iOS and Android (App Store and Google Play) that allows clients to attend video conferences with lawyers, monitor the status of their proceedings, fill out forms, and manage their debt cancellation process entirely online.
• REPARA IA Legal AI platform launched by Grupo Repara that redefines access, interpretation, and practical application of the Ley de la Segunda Oportunidad (Second Chance Law) in Spain. It helps users understand and navigate the debt cancellation process through AI-driven legal analysis and knowledge retrieval.
• Programa Vida Nueva Sin Deudas Post-exoneration support program offering financial rehabilitation and notarial certification to prevent future claims from creditors. Provides ongoing accompaniment to help exonerated individuals re-enter financial life and avoid re-indebtedness.

Quantifiable outcome

• 154,421+ clients served with 100% success rate
• +4 more outcomes

Named customers6 records

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability1 record

Feature3 records

Partnerships

Six partnerships are on record, tiered minor and core.

• Javier CárdenasminorGTM or Marketing PartnerSpanish radio and TV presenter who collaborates with Repara tu Deuda to spread awareness of the Second Chance Law. Conducts interviews with successful clients on his daily radio program 'Levántate OK'. Provides dedicated email contact ([email protected]) for potential clients. Has helped surprise clients with cancelled debts on TV.
• Bertín OsbornecoreGTM or Marketing PartnerFamous Spanish singer and TV personality who serves as the brand ambassador and new face of Repara tu Deuda. Has appeared in TV campaigns promoting the firm's services and Second Chance Law cases.
• Matías PratsminorGTM or Marketing PartnerRenowned Spanish news presenter who has endorsed Repara tu Deuda and appears in promotional videos for the firm.
• Belén EstebanminorGTM or Marketing PartnerSpanish celebrity who recommends Repara tu Deuda on Instagram as specialists in the Second Chance Law.
• La Bruja de OrominorGTM or Marketing PartnerSpanish lottery administration (Loterías y Apuestas del Estado) that partners with Repara tu Deuda to giveaway lottery tickets to underprivileged and over-indebted families in Spain.
• Arriaga AsociadosminorStrategic or Co-development PartnerLeading Spanish financial law firm with which Repara tu Deuda received joint recognition as best law firms. Arriaga Asociados won Best Financial Law Firm while Repara tu Deuda won Leader in Second Chance Law application.

Scale indicators13 records

Recent moves6 records

Expansion highlights6 records

Regional players

• Beyond Finance: US-focused debt-settlement and consumer-debt resolution platform; comparable use case (helping over-indebted consumers resolve unsecured debt), though serving a different geography and regulatory regime.

Broad incumbents

• LegalZoom: Large US online legal-services subscription platform; mirrors Reparatudeuda's self-serve/subscription model and consumer-legal mass-market positioning, though broader in scope and not focused on debt-cancellation.
• Rocket Lawyer: Global subscription legal platform serving consumers and small businesses with documents and counsel; comparable subscription economics and digital contracting flow to Reparatudeuda's model.
• LegalShield: US subscription legal-services provider selling prepaid access to attorneys for consumers; closest analogue to Reparatudeuda's Netflix-style monthly legal-subscription GTM and recurring revenue model.

Direct peers

• Legálitas: Spain's leading subscription-based legal-services platform for individuals and SMEs; competes with Reparatudeuda on subscription legal delivery, mobile access and brand-led mass-market consumer legal services in Spain.
• Arriaga Asociados: Spanish financial-law firm co-recognized alongside Reparatudeuda in best-law-firm awards; competes directly in financial-law and debtor-relief services in Spain and is the most natural direct peer from the data itself.

Emerging players

• Avvo: Online legal-services marketplace connecting consumers with lawyers; comparable as an alternative acquisition channel for consumers seeking legal help, although not a direct subscription model.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/reparatudeuda1

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Reparatudeuda