{"id":1455,"date":"2020-08-01T05:38:19","date_gmt":"2020-08-01T05:38:19","guid":{"rendered":"https:\/\/despatxmoragues.com\/serveis-a-la-persona\/hipotecas-irph\/"},"modified":"2020-10-02T10:31:02","modified_gmt":"2020-10-02T10:31:02","slug":"hipoteques-irph","status":"publish","type":"page","link":"https:\/\/despatxmoragues.com\/ca\/serveis-a-la-persona\/hipoteques-irph\/","title":{"rendered":"Hipoteques IRPH"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1455\" class=\"elementor elementor-1455 elementor-1311\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section data-dce-background-color=\"#5A0000\" data-dce-background-overlay-image-url=\"https:\/\/despatxmoragues.com\/\/wp-content\/uploads\/2020\/09\/PERSONA-HIPOTECA.jpg\" class=\"elementor-section elementor-top-section elementor-element elementor-element-a0f149d elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a0f149d\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;,&quot;_ob_glider_is_slider&quot;:&quot;no&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4f21007\" data-id=\"4f21007\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ob_bbad_is_stalker&quot;:&quot;no&quot;,&quot;_ob_column_hoveranimator&quot;:&quot;no&quot;,&quot;_ob_column_has_pseudo&quot;:&quot;no&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9ee5374 ob-harakiri-inherit ob-has-background-overlay elementor-widget elementor-widget-heading\" data-id=\"9ee5374\" data-element_type=\"widget\" data-settings=\"{&quot;_ob_use_harakiri&quot;:&quot;yes&quot;,&quot;_ob_harakiri_writing_mode&quot;:&quot;inherit&quot;,&quot;_ob_harakiri_text_clip&quot;:&quot;none&quot;,&quot;_ob_perspektive_use&quot;:&quot;no&quot;,&quot;_ob_poopart_use&quot;:&quot;yes&quot;,&quot;_ob_shadough_use&quot;:&quot;no&quot;,&quot;_ob_allow_hoveranimator&quot;:&quot;no&quot;,&quot;_ob_widget_stalker_use&quot;:&quot;no&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Serveis a la persona<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4093ef5 ob-harakiri-inherit ob-has-background-overlay elementor-widget elementor-widget-heading\" data-id=\"4093ef5\" data-element_type=\"widget\" data-settings=\"{&quot;_ob_use_harakiri&quot;:&quot;yes&quot;,&quot;_ob_harakiri_writing_mode&quot;:&quot;inherit&quot;,&quot;_ob_harakiri_text_clip&quot;:&quot;none&quot;,&quot;_ob_perspektive_use&quot;:&quot;no&quot;,&quot;_ob_poopart_use&quot;:&quot;yes&quot;,&quot;_ob_shadough_use&quot;:&quot;no&quot;,&quot;_ob_allow_hoveranimator&quot;:&quot;no&quot;,&quot;_ob_widget_stalker_use&quot;:&quot;no&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Hipoteques IRPH<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"ob-is-breaking-bad elementor-section elementor-top-section elementor-element elementor-element-9ece474 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9ece474\" data-element_type=\"section\" data-settings=\"{&quot;_ob_bbad_use_it&quot;:&quot;yes&quot;,&quot;_ob_bbad_sssic_use&quot;:&quot;no&quot;,&quot;_ob_glider_is_slider&quot;:&quot;no&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-4fb3089 elementor-hidden-phone\" data-id=\"4fb3089\" data-element_type=\"column\" data-settings=\"{&quot;_ob_bbad_is_stalker&quot;:&quot;no&quot;,&quot;_ob_teleporter_use&quot;:false,&quot;_ob_column_hoveranimator&quot;:&quot;no&quot;,&quot;_ob_column_has_pseudo&quot;:&quot;no&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f1eb6fe ob-has-background-overlay elementor-widget elementor-widget-wp-widget-nav_menu\" data-id=\"f1eb6fe\" data-element_type=\"widget\" data-settings=\"{&quot;_ob_perspektive_use&quot;:&quot;no&quot;,&quot;_ob_poopart_use&quot;:&quot;yes&quot;,&quot;_ob_shadough_use&quot;:&quot;no&quot;,&quot;_ob_allow_hoveranimator&quot;:&quot;no&quot;,&quot;_ob_widget_stalker_use&quot;:&quot;no&quot;}\" data-widget_type=\"wp-widget-nav_menu.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"menu-serveis-persona-ca-container\"><ul id=\"menu-serveis-persona-ca\" class=\"menu\"><li id=\"menu-item-1447\" class=\"menu-item-1447\"><a href=\"https:\/\/despatxmoragues.com\/ca\/serveis-a-la-persona\/acomiadaments\/\">Acomiadaments<\/a><\/li>\n<li id=\"menu-item-1442\" class=\"menu-item-1442\"><a href=\"https:\/\/despatxmoragues.com\/ca\/serveis-a-la-persona\/arrendaments\/\">Arrendaments<\/a><\/li>\n<li id=\"menu-item-1450\" class=\"menu-item-1450\"><a href=\"https:\/\/despatxmoragues.com\/ca\/serveis-a-la-persona\/divorcis-i-custodies\/\">Divorcis i cust\u00f2dies<\/a><\/li>\n<li id=\"menu-item-1451\" class=\"menu-item-1451\"><a href=\"https:\/\/despatxmoragues.com\/ca\/serveis-a-la-persona\/herencies\/\">Her\u00e8ncies i Testaments<\/a><\/li>\n<li id=\"menu-item-1455\" class=\"menu-item-1455\"><a href=\"https:\/\/despatxmoragues.com\/ca\/serveis-a-la-persona\/hipoteques-irph\/\">Hipoteques IRPH<\/a><\/li>\n<li id=\"menu-item-1456\" class=\"menu-item-1456\"><a href=\"https:\/\/despatxmoragues.com\/ca\/serveis-a-la-persona\/invalideses\/\">Invalideses<\/a><\/li>\n<li id=\"menu-item-2401\" class=\"menu-item-2401\"><a href=\"https:\/\/despatxmoragues.com\/ca\/serveis-a-la-persona\/declaracions-fiscals\/\">Declaracions fiscals<\/a><\/li>\n<li id=\"menu-item-2402\" class=\"menu-item-2402\"><a href=\"https:\/\/despatxmoragues.com\/ca\/serveis-a-la-persona\/impost-de-plusvalua-municipal\/\">Impost de Plusv\u00e0lua Municipal<\/a><\/li>\n<\/ul><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-467b920\" data-id=\"467b920\" data-element_type=\"column\" data-settings=\"{&quot;_ob_bbad_is_stalker&quot;:&quot;no&quot;,&quot;_ob_teleporter_use&quot;:false,&quot;_ob_column_hoveranimator&quot;:&quot;no&quot;,&quot;_ob_column_has_pseudo&quot;:&quot;no&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5e116a9 ob-harakiri-inherit ob-has-background-overlay elementor-widget elementor-widget-text-editor\" data-id=\"5e116a9\" data-element_type=\"widget\" data-settings=\"{&quot;_ob_use_harakiri&quot;:&quot;yes&quot;,&quot;_ob_harakiri_writing_mode&quot;:&quot;inherit&quot;,&quot;_ob_postman_use&quot;:&quot;no&quot;,&quot;_ob_perspektive_use&quot;:&quot;no&quot;,&quot;_ob_poopart_use&quot;:&quot;yes&quot;,&quot;_ob_shadough_use&quot;:&quot;no&quot;,&quot;_ob_allow_hoveranimator&quot;:&quot;no&quot;,&quot;_ob_widget_stalker_use&quot;:&quot;no&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La majoria d&#8217;entitats financeres, buscant guanyar el m\u00e0xim benefici,<br \/>ofereixen als seus clients productes t\u00f2xics i inclouen cl\u00e0usules abusives en les<br \/>hipoteques.<\/p><p>Abusos en hipoteques : En els contractes de pr\u00e9stec o cr\u00e8dits hipotecaris \u00e9s<br \/>molt habitual que es produeixin abusos bancaris<\/p><ul><li><b>Cl\u00e0usula sol: <\/b>S\u00f3n barreres que impedeixen que el consumidor pugui beneficiar-se del descens dels tipus d&#8217;inter\u00e8s en les hipoteques.<\/li><li><b>lmputaci\u00f3 de Despeses:<\/b> El banc fa recaure en el client l&#8217;\u00edntegre pagament de les despeses hipotec\u00e0ries (Notaria, Registre de la Propietat, Gestoria..,), en contra de la Jurisprud\u00e8ncia del Tribunal Suprem.<\/li><li><b>IRPH\u00a0Caixes aplicat com a tipus fix:<\/b> Sobre la base de la cl\u00e0usula denominada com a &#8220;tipus de tancament&#8221;, els bancs apliquen l&#8217;\u00faltim\u00a0IRPH\u00a0Caixes publicat l&#8217;any 2013 a pesar que va desapar\u00e8ixer.<\/li><li><b>Comissi\u00f3 de reclamaci\u00f3 per impagament de quotes:<\/b> \u00e9s nul\u00b7la, per\u00f2 malgrat aix\u00f2 la continuen aplicant.<\/li><li><b>lnter\u00e9s\u00a0de demora.<\/b><\/li><li><b>Vencimient avan\u00e7at.<\/b><\/li><li><b>SWAP: <\/b>S&#8217;estableix un tipus d&#8217;inter\u00e8s fix per a les hipoteques, en lloc\u00a0devincularlas\u00a0a l&#8217;Euribor. Si el tipus se situa per sobre del tipus d&#8217;inter\u00e8s fixat en el clip ser\u00e0 el banc qui aboni la difer\u00e8ncia, per\u00f2 si el tipus d&#8217;inter\u00e8s cau per sota dels tipus fixats, ser\u00e0 el consumidor qui pagui la difer\u00e8ncia.<\/li><\/ul><p>\u00a0<\/p><p>Abusos en productes financers: Aquests s\u00f3n els productes financers que hist\u00f2ricament m\u00e9s abusos bancaris han provocat, en oferir-se a persones que no tenien el perfil apropiat per a aquests productes:<\/p><ul><li><p><b>Participacions preferents: <\/b>S\u00f3n productes financers que s&#8217;adquireixen a perpetu\u00eftat. Atorguen drets econ\u00f2mics ja que permeten la participaci\u00f3 en els dividends, no obstant aix\u00f2, a difer\u00e8ncia de les accions, no permeten votar en les juntes d&#8217;accionistes. El problema es troba en qu\u00e8 el client no sap quant temps les tindr\u00e0 en propietat, ja que l&#8217;entitat que les emet no t\u00e9 obligaci\u00f3 de recomprar-les en una data determinada, sin\u00f3 que poden tenir una vida il\u00b7limitada.<\/p><\/li><li><p><b>Pagar\u00e9s: <\/b>S\u00f3n documents que consisteixen en una promesa futura de pagament, el seu principal problema radica en el fet que no estan recolzats per cap Fons de Garantia. Si el banc fa fallida, ning\u00fa retorna la inversi\u00f3, i els clients, hauran de sumar-se a la llista de creditors i esperar el seu torn per a cobrar.<\/p><\/li><li><p><b>C\u00e8dules hipotec\u00e0ries: <\/b>S\u00f3n bons garantits pel banc que les emet. El client presta diners que li \u00e9s garantit amb pr\u00e9stecs hipotecaris ja atorgats. Han de vendre&#8217;s en mercats secundaris, aix\u00f2 pot comportar p\u00e8rdues de rendibilitat en tractar-se de mercats complexos i molt saturats.<\/p><\/li><li><p><b>Deute subordinat: <\/b>Deute em\u00e8s pel banc, que en cas de fallida, els seus posse\u00efdors cobraran despr\u00e9s dels administradors judicials, Hisenda i la Seguretat Social. La seva valoraci\u00f3 \u00e9s excessivament baixa, en molts casos, els consumidors han experimentat que el preu al qual van comprar el deute \u00e9s molt inferior al valor de mercat<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"ob-is-breaking-bad elementor-section elementor-top-section elementor-element elementor-element-16b4acd elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-dce-background-color=\"rgba(90, 0, 0, 0.01)\" data-dce-background-overlay-image-url=\"https:\/\/despatxmoragues.com\/\/wp-content\/uploads\/2020\/07\/bg-faqs.jpg\" data-id=\"16b4acd\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ob_bbad_use_it&quot;:&quot;yes&quot;,&quot;_ob_bbad_sssic_use&quot;:&quot;no&quot;,&quot;_ob_glider_is_slider&quot;:&quot;no&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e875887\" data-id=\"e875887\" data-element_type=\"column\" data-settings=\"{&quot;_ob_bbad_is_stalker&quot;:&quot;no&quot;,&quot;_ob_teleporter_use&quot;:false,&quot;_ob_column_hoveranimator&quot;:&quot;no&quot;,&quot;_ob_column_has_pseudo&quot;:&quot;no&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-dbdbd1a ob-harakiri-inherit ob-has-background-overlay elementor-widget elementor-widget-heading\" data-id=\"dbdbd1a\" data-element_type=\"widget\" data-settings=\"{&quot;_ob_use_harakiri&quot;:&quot;yes&quot;,&quot;_ob_harakiri_writing_mode&quot;:&quot;inherit&quot;,&quot;_ob_harakiri_text_clip&quot;:&quot;none&quot;,&quot;_ob_perspektive_use&quot;:&quot;no&quot;,&quot;_ob_poopart_use&quot;:&quot;yes&quot;,&quot;_ob_shadough_use&quot;:&quot;no&quot;,&quot;_ob_allow_hoveranimator&quot;:&quot;no&quot;,&quot;_ob_widget_stalker_use&quot;:&quot;no&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">FAQs<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-19baafb ob-has-background-overlay elementor-widget elementor-widget-accordion\" data-id=\"19baafb\" data-element_type=\"widget\" data-settings=\"{&quot;_ob_perspektive_use&quot;:&quot;no&quot;,&quot;_ob_poopart_use&quot;:&quot;yes&quot;,&quot;_ob_shadough_use&quot;:&quot;no&quot;,&quot;_ob_allow_hoveranimator&quot;:&quot;no&quot;,&quot;_ob_widget_stalker_use&quot;:&quot;no&quot;}\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2691\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-2691\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-angle-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-angle-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Que hem de fer si el nostre pr\u00e9stec est\u00e0 referit al IRPH?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2691\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-2691\"><p>El\u00a0IRPH\u00a0caixes va desapar\u00e8ixer l&#8217;any 2013, i des de llavors CAIXABANK i altres entitats l&#8217;han continuat aplicant com a fix, a la mena del 4%. El que s&#8217;ha de fer \u00e9s reclamar judicialment la nul\u00b7litat de la cl\u00e0usula de tipus de tancament, que converteix el pr\u00e9stec de variable a fix, d&#8217;aquesta manera podem reduir en m\u00e9s d&#8217;un 2% el tipus d&#8217;inter\u00e8s aplicable al pr\u00e9stec. I aix\u00f2 sense cap cost per al perjudicat, ja que els jutjats imposen al banc les costes del procediment.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2692\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-2692\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-angle-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-angle-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">S\u00f3c administrador d'una empresa insolvent i la Tresoreria General de la Seguretat Social em fa responsable del deute de manera solid\u00e0ria amb els altres administradors. Qu\u00e8 puc fer sobre aquest tema?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2692\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-2692\"><p>Fa anys, quan una empresa t\u00e9 un deute amb la Seguretat Social, la Tresoreria General reclama el seu pagament als administradors de l&#8217;empresa fent-los responsables solidaris del deute. Doncs b\u00e9, la immensa majoria de les vegades des del\u00a0DESPATX\u00a0MORAGUES hem obtingut resoluci\u00f3 favorable, at\u00e8s que la derivaci\u00f3 de responsabilitat no resulta pertinent. La\u00a0TGSS\u00a0ha d&#8217;ajustar-se a la normativa reguladora de la Llei de Societats de Capital i al no fer-ho, ens d\u00f3na la ra\u00f3 en el judici.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2693\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-2693\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-angle-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-angle-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Una societat mercantil insolvent ens deu diners... Com puc cobrar el deute?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2693\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-2693\"><p>A pesar que l&#8217;empresa deutora sigui insolvent, hi ha mecanismes per a cobrar el deute. Es pot demanar al jutjat mercantil la declaraci\u00f3 de responsabilitat solid\u00e0ria dels deutes socials en cas de conc\u00f3rrer causa de dissoluci\u00f3 de la societat, tamb\u00e9 podem instar el concurs de creditors de la societat deutora i demanar la qualificaci\u00f3 del concurs com a culpable. Finalment poden exercitar-se les accions de reintegrament en el cas que la societat deutora hagi arribat a la insolv\u00e8ncia, de manera indeguda o fraudulenta.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-959ce4e ob-has-background-overlay elementor-widget elementor-widget-html\" data-id=\"959ce4e\" data-element_type=\"widget\" data-settings=\"{&quot;_ob_perspektive_use&quot;:&quot;no&quot;,&quot;_ob_poopart_use&quot;:&quot;yes&quot;,&quot;_ob_shadough_use&quot;:&quot;no&quot;,&quot;_ob_allow_hoveranimator&quot;:&quot;no&quot;,&quot;_ob_widget_stalker_use&quot;:&quot;no&quot;}\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<script> \r\njQuery(document).ready(function($) { \r\nvar delay = 100; setTimeout(function() { \r\n$('.elementor-tab-title').removeClass('elementor-active');\r\n $('.elementor-tab-content').css('display', 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data-form-theme='legacy' data-form-index='0' id='gform_wrapper_2' ><form method='post' enctype='multipart\/form-data'  id='gform_2'  action='\/ca\/wp-json\/wp\/v2\/pages\/1455' data-formid='2' novalidate>\n                        <div class='gform-body gform_body'><ul id='gform_fields_2' class='gform_fields top_label form_sublabel_below description_below validation_below'><li id=\"field_2_7\" class=\"gfield gfield--type-honeypot gform_validation_container field_sublabel_below gfield--has-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_2_7'>Comments<\/label><div class='ginput_container'><input name='input_7' id='input_2_7' type='text' value='' autocomplete='new-password'\/><\/div><div class='gfield_description' id='gfield_description_2_7'>Aquest camp nom\u00e9s \u00e9s per validaci\u00f3 i no s'ha de modificar.<\/div><\/li><li id=\"field_2_1\" class=\"gfield gfield--type-text gf_left_third gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_2_1'>Nom<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_1' id='input_2_1' type='text' value='' class='medium'    placeholder='Nom' aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/li><li id=\"field_2_2\" class=\"gfield gfield--type-email gf_middle_third gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_2_2'>Email<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_email'>\n           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