Investing in mortgage debt
Investing in mortgage debt consists of acquiring credit rights secured by mortgages, i.e., with the guarantee of a property that is recognized in the registry, with the aim of obtaining a real estate property or a financial return at a price below the market price....
New ITP regime for real estate acquisitions in Catalonia – June 2025
Last Friday, June 27, 2025, Decree-Law 5/2025 came into force, which reconfigures the Transfer Tax (ITP) on real estate transactions in Catalonia. Below, we explain how it can affect you in your future acquisitions with five keys: Progressive scale of ITP on used...
What happens if your account is emptied due to online fraud? The Supreme Court makes it clear that the bank must respond
SIM Swapping, phishing, smishing… In a recent case decided by the Supreme Court (STS 571/2025), an unfortunately increasingly common situation was addressed: a customer saw his bank account emptied through transactions he had not authorized. The ruling sets an...
Criminal: Crime of drug trafficking, own consumption and shared consumption
In this article I will discuss the crime of drug trafficking and try to resolve all those doubts and myths about what are typical behaviors, i.e., that constitute crimes punishable by imprisonment, and those that are not, such as possession for own consumption or...
