Personal insolvency proceedings shot up by 22.3% in the regions of Girona in 2025 and reached 1,166 procedures, compared to the 953 registered in 2024. The increase pushes up the overall balance of insolvencies in the demarcation, where during the year 1,297 insolvency proceedings were filed, 18.9% more than the previous year, when there were 1,090.
Most of this increase is concentrated in individuals. In contrast, bankruptcy proceedings for companies and self-employed individuals remained contained. Of the 1,297 proceedings accounted for in 2025, 131 corresponded to companies and entrepreneurs. Among them, 47 were filed by individual entrepreneurs and 84 by companies. A year earlier, the courts had received 137 such proceedings, with 43 from individual entrepreneurs and 94 from companies.
The weight of the Second Chance Law
The rebound in personal insolvencies is related to the reform of the Second Chance Law, whose changes came into force at the end of 2022. The modification simplified the procedure and opened the door to move directly to the judicial phase, which has facilitated access to this mechanism for indebted individuals.
The rule allows canceling debts of up to 5 million euros, provided that the debtor has acted in good faith and had not deceived the creditors at the time of requesting the credit. That framework explains a good part of the growth registered in Girona during the last fiscal year.
Evictions go down, although they continue close to three a day
In parallel, evictions carried out in the regions of Girona decreased from 1,095 to 1,048 during the last year. Despite the decrease, the figure is equivalent to almost three evictions per day on average across the demarcation.
The majority of evictions remained linked to rent. Of the 1,048 evictions, 767 were for non-payment of rent. Another 196 responded to mortgage foreclosures and the remaining 85 were framed in other situations. All this in a context in which the so-called social shield was still in force, a coverage that in 2026 Congress has already rejected on two occasions.
Lawsuits for occupation fall and dismissals stabilize
The courts of Girona also registered a decrease in lawsuits for property occupation. During the last year, 66 were filed, compared to the 95 of 2024. These are procedures promoted by private owners, city councils, or entities with housing, without counting those affecting properties of banking entities.
In the labor sphere, litigation for dismissal barely varied. The social courts went from receiving 2,184 lawsuits in 2024 to 2,178 last year. Where there was a clearer drop was in quantity claims, which decreased from 1,062 to 874.
The judicial balance in Girona thus shows two clear movements a strong rise in individual insolvencies and a slight containment in other indicators such as evictions, occupations, and labor lawsuits for owed amounts.