El Mito de la Segunda Oportunidad

The myth of the second chance: promise, business, and disappointment. It began as a tool to free trapped debtors, but has ended up becoming a system full of perverse effects. Instead of protecting the most vulnerable, it makes credit more expensive, fuels a culture of non-compliance, and has given rise to a lucrative market that trades in hope. This book debunks, with data, real examples, and a critical eye, the great lie of good intentions. Comparing the Spanish experience with the European one, and showing how the courts apply the rule with automatism and bias, a disturbing picture emerges: the second chance is no longer the exception, but the rule, and we all pay the bill. With an ironic and scathing style, the author invites the reader to look beyond the official narrative and ask themselves: are we really helping those in need, or are we feeding a social and economic mirage?