Spanish families that file for bankruptcy increase by 4.5% in the third quarter, while the companies declared bankrupt are reduced by 16%. If in the last trimester the number of broken families of the previous year were repeated, we would be facing the year with the highest bankruptcies of the entire series. Creditors’ competitions can reduce a family’s debt by up to 50% and distribute their repayment in installments over a period of five years. Families and Catalan SMEs would have problems returning their loans if there is independence, according to Moody’s.

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