Sale and purchase
Private sale and purchase agreements for movable and immovable assets.
Civil Law
Comprehensive legal assistance for individuals and businesses in civil matters that demand technical judgement and absolute discretion — from contractual planning to courtroom defence.
OUR SERVICES
CONTRACTS
Leases
Residential, commercial, industrial leases and rural tenancies.
Loans and acknowledgements
Loans between individuals, formal debt acknowledgements and personal guarantees.
Services and works
Service provision, construction works and mixed contractual arrangements.
Mandate and agency
Powers of attorney, management of third-party affairs and revocations.
Gifts and gratuitous transfers
Inter vivos and mortis causa gifts and non-alienation pacts.
LITIGATION
Family law
Contested and consensual divorces, custody, maintenance, modification of measures and settlement agreements.
Succession and inheritance
Estate planning, wills, partition and conflicts between co-heirs.
Civil liability and damages
Claims for accidents, professional negligence and patrimonial damage.
Banking claims
Floor clauses, IRPH, multi-currency loans, structured products and mortgage enforcement defence.
Insolvency proceedings
Pre-insolvency advisory and full insolvency proceedings for individuals and companies.
Second chance law
Debt discharge for over-indebted individuals and the self-employed.
BANKING LAW
IRPH and floor clauses: reclaiming what your bank overcharged
If your mortgage was tied to the IRPH index or carried a floor clause, you may have paid significantly more than a transparent contract would have allowed. The Spanish Supreme Court, in its November 2025 ruling, confirmed that IRPH must be assessed case by case, weighing whether the bank explained the index clearly at the point of signing — which reopens the door for many borrowers in Murcia and across Spain.
We review your deed and repayment history, quantify the amount overpaid and pursue the claim first out of court and, where the bank does not respond, before the courts. Each mortgage is different: the value of a claim depends on the specific index, the wording of the clause and how the loan was marketed.
SUCCESSION
Wills and inheritance in Murcia
Planning an estate — or accepting one — means navigating the legítima (the share the law reserves for close heirs), inheritance tax, which varies markedly between autonomous communities, and a six-month filing deadline that is easy to overlook. A well-drafted will and orderly planning prevent most disputes between co-heirs before they arise.
We advise on drafting wills, accepting an inheritance under benefit of inventory, partition and inter-heir conflicts. For families with assets or heirs abroad, cross-border succession adds a further layer: which national law governs the estate, and how it interacts with Spanish inheritance tax.
FREQUENTLY ASKED
- How does Spain's second chance law work?
- The second chance law allows insolvent individuals — entrepreneurs and private persons — to obtain a discharge of unpaid liabilities when they can no longer meet their debts. The procedure is brought before the Commercial Court and requires formal conditions: good-faith conduct, a prior attempt at an out-of-court payment agreement and, in many cases, liquidation of the debtor's assets. The 2022 reform substantially broadened the scope of the discharge, including limited public debt. Properly handled, it offers a real way out for individuals and the self-employed facing over-indebtedness.
- What is the "legítima" and how does it affect a Spanish inheritance?
- The legítima is the share of the estate that Spanish law mandatorily reserves for certain heirs — primarily descendants, ascendants and the surviving spouse — limiting the testator's freedom to dispose of their assets. Under common Civil Code rules it amounts to two thirds of the estate for descendants (one third as strict legítima, one third as improvement). Regional rules vary substantially — Catalonia, the Basque Country or the Balearic Islands operate different systems. Early estate planning allows the orderly transmission of assets within the legal limits while minimising future conflict.
- How do I reclaim a floor clause or IRPH from my bank?
- The claim begins with an out-of-court request to the bank that marketed the mortgage loan, providing the deed and a detailed calculation of the amounts overpaid because of the clause. If the bank fails to respond within the statutory term or replies insufficiently, court proceedings follow. The case-law of the Spanish Supreme Court and the EU Court of Justice has established consumer-friendly criteria where lack of transparency is proven, with full refund of amounts unduly charged from the signing of the loan — except where the matter has already been litigated or expressly waived.
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