{"id":4450,"date":"2026-03-23T12:44:49","date_gmt":"2026-03-23T10:44:49","guid":{"rendered":"https:\/\/www.avafin.es\/?p=4450"},"modified":"2026-03-23T12:44:49","modified_gmt":"2026-03-23T10:44:49","slug":"com-saber-els-deutes-que-tinc-gratis","status":"publish","type":"post","link":"https:\/\/www.avafin.es\/ca\/blog\/como-saber-las-deudas-que-tengo-gratis","title":{"rendered":"Com saber els deutes que tinc gratis"},"content":{"rendered":"<p class=\"wp-block-paragraph\">En el cam\u00ed cap a una salut financera, el primer pas \u00e9s sempre la claredat. Molts usuaris es troben en una situaci\u00f3 d'incertesa, preguntant-se: <strong>Com saber els deutes que tinc gratis?<\/strong> Ja sigui perqu\u00e8 has oblidat un antic rebut de telefonia o perqu\u00e8 temi que un impagament estigui bloquejant les teves opcions de finan\u00e7ament, obtenir aquesta informaci\u00f3 \u00e9s un dret fonamental del consumidor a Espanya.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Saber exactament quant deus i a qui no nom\u00e9s et permet dormir m\u00e9s tranquil, sin\u00f3 que \u00e9s la clau per recuperar el control de la teva economia personal. En aquesta guia, desglossem totes les eines legals i gratu\u00eftes a la teva disposici\u00f3 perqu\u00e8 netegis el teu historial i puguis mirar al futur sense sorpreses desagradables.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">\u00cdndice<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #6a737c;color:#6a737c\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #6a737c;color:#6a737c\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.avafin.es\/ca\/blog\/como-saber-las-deudas-que-tengo-gratis\/#%C2%BFPor_que_es_importante_saber_las_deudas_que_tienes\" >Per qu\u00e8 \u00e9s important saber els deutes que tens?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.avafin.es\/ca\/blog\/como-saber-las-deudas-que-tengo-gratis\/#Evitar_intereses_y_recargos\" >Evitar interessos i rec\u00e0rrecs<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.avafin.es\/ca\/blog\/como-saber-las-deudas-que-tengo-gratis\/#Prevenir_embargos_o_problemas_legales\" >Prevenir embargaments o problemes legals<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.avafin.es\/ca\/blog\/como-saber-las-deudas-que-tengo-gratis\/#No_limitar_el_acceso_a_financiacion_o_creditos\" >No limitar l'acc\u00e9s a finan\u00e7ament o cr\u00e8dits<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.avafin.es\/ca\/blog\/como-saber-las-deudas-que-tengo-gratis\/#%C2%BFSe_pueden_consultar_todas_las_deudas_en_un_solo_sitio\" >Es poden consultar tots els deutes en un sol lloc?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.avafin.es\/ca\/blog\/como-saber-las-deudas-que-tengo-gratis\/#Por_que_no_existe_un_registro_unico_de_deudas\" >Per qu\u00e8 no existeix un registre \u00fanic de deutes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.avafin.es\/ca\/blog\/como-saber-las-deudas-que-tengo-gratis\/#Tipos_de_deudas_que_puede_tener_una_persona\" >Tipus de deutes que pot tenir una persona<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.avafin.es\/ca\/blog\/como-saber-las-deudas-que-tengo-gratis\/#Donde_consultar_las_deudas_que_tienes\" >On consultar els deutes que tens<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.avafin.es\/ca\/blog\/como-saber-las-deudas-que-tengo-gratis\/#Consultar_deudas_con_tu_banco\" >Consultar deutes amb el teu banc<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.avafin.es\/ca\/blog\/como-saber-las-deudas-que-tengo-gratis\/#Consultar_deudas_en_ficheros_de_morosos\" >Consultar deutes en fitxers de morosos<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.avafin.es\/ca\/blog\/como-saber-las-deudas-que-tengo-gratis\/#Consultar_deudas_en_el_Banco_de_Espana_CIRBE\" >Consultar deutes al Banc d'Espanya (CIRBE)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.avafin.es\/ca\/blog\/como-saber-las-deudas-que-tengo-gratis\/#Consultar_deudas_con_Hacienda\" >Consultar deutes amb Hisenda<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.avafin.es\/ca\/blog\/como-saber-las-deudas-que-tengo-gratis\/#Consultar_deudas_con_la_Seguridad_Social\" >Consultar deutes amb la Seguretat Social<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.avafin.es\/ca\/blog\/como-saber-las-deudas-que-tengo-gratis\/#Consultar_el_Registro_de_Impagados_Judiciales_RIJ\" >Consultar el Registre d'Impagats Judicials (RIJ)<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.avafin.es\/ca\/blog\/como-saber-las-deudas-que-tengo-gratis\/#Como_consultar_tus_deudas_paso_a_paso\" >Com consultar els teus deutes pas a pas<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.avafin.es\/ca\/blog\/como-saber-las-deudas-que-tengo-gratis\/#Como_saber_si_estas_en_ASNEF\" >Com saber si est\u00e0s a l'ASNEF<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.avafin.es\/ca\/blog\/como-saber-las-deudas-que-tengo-gratis\/#Como_consultar_deudas_con_Hacienda\" >Com consultar deutes amb Hisenda<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/www.avafin.es\/ca\/blog\/como-saber-las-deudas-que-tengo-gratis\/#Como_consultar_deudas_con_la_Seguridad_Social\" >Com consultar deutes amb la Seguretat Social<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/www.avafin.es\/ca\/blog\/como-saber-las-deudas-que-tengo-gratis\/#Consejos_para_organizar_y_pagar_tus_deudas\" >Consells per organitzar i pagar els teus deutes<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/www.avafin.es\/ca\/blog\/como-saber-las-deudas-que-tengo-gratis\/#Priorizar_las_deudas_mas_urgentes\" >Prioritzar els deutes m\u00e9s urgents<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/www.avafin.es\/ca\/blog\/como-saber-las-deudas-que-tengo-gratis\/#Negociar_o_aplazar_pagos\" >Negociar o ajornar pagaments<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/www.avafin.es\/ca\/blog\/como-saber-las-deudas-que-tengo-gratis\/#Evitar_acumular_nuevos_impagos\" >Evitar acumular nous impagaments<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/www.avafin.es\/ca\/blog\/como-saber-las-deudas-que-tengo-gratis\/#%C2%BFNecesitas_dinero_para_resolver_un_imprevisto\" >Necessites diners per resoldre un imprevist?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/www.avafin.es\/ca\/blog\/como-saber-las-deudas-que-tengo-gratis\/#%C2%BFNecesitas_un_Prestamo_Rapido\" >Necessites un Pr\u00e9stec R\u00e0pid?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFPor_que_es_importante_saber_las_deudas_que_tienes\"><\/span><strong>Per qu\u00e8 \u00e9s important saber els deutes que tens?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ignorar un deute no fa que desaparegui; de fet, sol provocar que creixi de manera exponencial. Mantenir un registre actualitzat de les teves obligacions financeres \u00e9s vital per diverses raons estrat\u00e8giques.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Evitar_intereses_y_recargos\"><\/span>Evitar interessos i rec\u00e0rrecs<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Quan una factura no es paga, entren en joc els <strong>interessos de demora<\/strong> i les comissions per reclamaci\u00f3 de posicions deutores. Aquestes penalitzacions poden fer que un deute petit es converteixi en una bola de neu dif\u00edcil de gestionar. En consultar els teus deutes a temps, pots frenar aquest creixement abans que afecti greument el teu pressupost mensual.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Prevenir_embargos_o_problemas_legales\"><\/span>Prevenir embargaments o problemes legals<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Si un deute no s'at\u00e9n, el creditor pot iniciar un proc\u00e9s monitori que acabi en un embargament preventiu dels teus comptes bancaris o fins i tot de la teva n\u00f2mina. Con\u00e8ixer la situaci\u00f3 dels teus impagaments et permet negociar abans d'arribar a la via judicial, protegint aix\u00ed el teu patrimoni i la teva tranquil\u00b7litat.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"No_limitar_el_acceso_a_financiacion_o_creditos\"><\/span>No limitar l'acc\u00e9s a finan\u00e7ament o cr\u00e8dits<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Aquesta \u00e9s, potser, la conseq\u00fc\u00e8ncia m\u00e9s comuna. Estar en un fitxer de morosos o tenir un nivell d'endeutament molt alt a la CIRBE et tancar\u00e0 les portes de la majoria d'entitats banc\u00e0ries. Si en el futur necessites sol\u00b7licitar pr\u00e9stecs o hipoteques, tenir un expedient net \u00e9s un requisit indispensable.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFSe_pueden_consultar_todas_las_deudas_en_un_solo_sitio\"><\/span><strong>Es poden consultar tots els deutes en un sol lloc?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Una de les preguntes m\u00e9s freq\u00fcents \u00e9s si existeix una \u00abfinestra \u00fanica\u00bb on aparegui tot el que hem de fer. La resposta curta \u00e9s <strong>no<\/strong>, i \u00e9s important entendre per qu\u00e8 per no caure en estafes que prometen informes totals a canvi de diners.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Por_que_no_existe_un_registro_unico_de_deudas\"><\/span>Per qu\u00e8 no existeix un registre \u00fanic de deutes<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">La fragmentaci\u00f3 es deu a la <strong>naturalesa dels creditors<\/strong> i a les lleis de protecci\u00f3 de dades. Un banc no comparteix la mateixa base de dades que l'Ag\u00e8ncia Tribut\u00e0ria, ni una companyia de subministraments (llum, aigua) t\u00e9 acc\u00e9s a les teves multes de tr\u00e0nsit pendents. Cada organisme o sector gestiona els seus propis registres, encara que alguns, com la CIRBE o l'ASNEF, aglutinen gran part de la informaci\u00f3 financera i comercial.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Tipos_de_deudas_que_puede_tener_una_persona\"><\/span>Tipus de deutes que pot tenir una persona<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Per saber on buscar, primer identifica l'origen del possible deute:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Deutes bancaris:<\/strong> pr\u00e9stecs, targetes de cr\u00e8dit, hipoteques o descoberts.<\/li>\n\n\n\n<li><strong>Deutes amb l'Administraci\u00f3 P\u00fablica:<\/strong> impostos (Hisenda), quotes d'aut\u00f2noms o multes (Seguretat Social, Ajuntaments).<\/li>\n\n\n\n<li><strong>Deutes Comercials:<\/strong> rebuts de telefonia, internet, gas o assegurances.<\/li>\n\n\n\n<li><strong>Deutes judicials:<\/strong> derivades de sent\u00e8ncies o processos d'execuci\u00f3.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Donde_consultar_las_deudas_que_tienes\"><\/span><strong>On consultar els deutes que tens<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A continuaci\u00f3, detallem els canals oficials i gratu\u00efts per obtenir els teus informes de deute.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Consultar_deudas_con_tu_banco\"><\/span>Consultar deutes amb el teu banc<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">El primer pas \u00e9s entrar a la teva <strong>banca en l\u00ednia<\/strong> o aplicaci\u00f3 m\u00f2bil per revisar la teva posici\u00f3 global. All\u00e0 podr\u00e0s veure d'un cop d'ull si tens algun rebut retornat, una targeta de cr\u00e8dit amb saldo pendent o un descobert en compte (els famosos \u00abn\u00fameros vermells\u00bb) que estigui generant comissions per descobert.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c9s fonamental tenir aix\u00f2 clar, ja que moltes vegades necessitem una petita injecci\u00f3 de liquiditat per cobrir un imprevist i evitar que el banc ens cobri penalitzacions abusives. En aquests casos, comptar amb l'agilitat de <a href=\"https:\/\/www.avafin.es\/ca\/\"><strong>Avafin<\/strong><\/a> \u00e9s clau, ja que permet obtenir un respir r\u00e0pid per posar al dia aquests petits comptes pendents abans que es converteixin en un problema major.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Consultar_deudas_en_ficheros_de_morosos\"><\/span>Consultar deutes en fitxers de morosos<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Els fitxers de solv\u00e8ncia patrimonial s\u00f3n bases de dades on les empreses inscriuen clients que han deixat de pagar.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">ASNEF<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Gestionat per Equifax, \u00e9s el fitxer m\u00e9s important d'Espanya. Tens dret d'acc\u00e9s gratu\u00eft per llei. Per saber com procedir, pots consultar el <a href=\"https:\/\/asnef.com\/media\/3813\/gu%C3%ADa-usuario_derechos-arcol.pdf\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>manual d'usuari d'equifax<\/strong><\/a>, on es detallen els passos per exercir els teus drets ARCO (Acc\u00e9s, Rectificaci\u00f3, Cancel\u00b7laci\u00f3 i Oposici\u00f3).<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Experian Badexcug<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c9s el segon fitxer en rellev\u00e0ncia. Igual que l'anterior, pots sol\u00b7licitar el teu informe de forma gratu\u00efta enviant un correu electr\u00f2nic o una carta amb el teu DNI, sempre que sospitis que has estat incl\u00f2s a la seva base de dades.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Consultar_deudas_en_el_Banco_de_Espana_CIRBE\"><\/span>Consultar deutes al Banc d'Espanya (CIRBE)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">La <strong>CIRB<\/strong> (Central d'Informaci\u00f3 de Riscos del Banc d'Espanya) no \u00e9s un fitxer de morosos, sin\u00f3 una base de dades on consten tots els pr\u00e9stecs, cr\u00e8dits i avals que les entitats financeres tenen amb els seus clients (normalment a partir de 1.000 \u20ac). Pots demanar el teu informe de riscos de forma gratu\u00efta amb el teu <a href=\"https:\/\/sede.agenciatributaria.gob.es\/Sede\/certificado-dni-electronico.html\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Certificat digital, DNI electr\u00f2nic<\/strong><\/a> a trav\u00e9s de l'oficina virtual del Banc d'Espanya.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Consultar_deudas_con_Hacienda\"><\/span>Consultar deutes amb Hisenda<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">L'Ag\u00e8ncia Tribut\u00e0ria permet <a href=\"https:\/\/sede.agenciatributaria.gob.es\/Sede\/deudas-apremios-embargos-subastas\/pagar-aplazar-consultar.html\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>consultar els teus deutes a hisenda<\/strong><\/a> de manera immediata a trav\u00e9s de la seva Seu Electr\u00f2nica. Aqu\u00ed veur\u00e0s des de l'IRPF pendent fins a possibles liquidacions d'IVA o sancions.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Consultar_deudas_con_la_Seguridad_Social\"><\/span>Consultar deutes amb la Seguretat Social<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Si ets aut\u00f2nom o has tingut empleats, \u00e9s crucial sol\u00b7licitar el <a href=\"https:\/\/portal.seg-social.gob.es\/wps\/portal\/importass\/importass\/Categorias\/Consulta+de+pagos+y+deudas\/Informe+de+estar+al+corriente+en+las+obligaciones+de+la+Seguridad+Social\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Informe de deute de la Seguretat Social<\/strong><\/a>. Aquest document confirma si esteu al corrent de les vostres obligacions o si hi ha pagaments pendents que podrien comportar rec\u00e0rrecs segons els formularis 10% o 20%.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Consultar_el_Registro_de_Impagados_Judiciales_RIJ\"><\/span>Consultar el Registre d'Impagats Judicials (RIJ)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Aquest \u00e9s un fitxer m\u00e9s recent que recull deutes l\u00edquids, ven\u00e7uts i exigibles que han estat reconeguts mitjan\u00e7ant una resoluci\u00f3 judicial ferma. \u00c9s molt \u00fatil si tens deutes derivades de judicis per impagament de lloguers o pensions aliment\u00e0ries.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Como_consultar_tus_deudas_paso_a_paso\"><\/span><strong>Com consultar els teus deutes pas a pas<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Si et sents aclaparada per la burocr\u00e0cia, segueix aquests passos simplificats per obtenir la informaci\u00f3 que necessites avui mateix.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Como_saber_si_estas_en_ASNEF\"><\/span>Com saber si est\u00e0s a l'ASNEF<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Si creus que una empresa t'ha incl\u00f2s en aquest fitxer de morositat, no esperis que t'arribi la carta (que de vegades no arriba). Pots prendre la iniciativa seguint aquests passos:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Identificaci\u00f3:<\/strong> prepara una c\u00f2pia digital del teu DNI per ambdues cares.<\/li>\n\n\n\n<li><strong>Sol\u00b7licitud:<\/strong> envia un correu electr\u00f2nic a <a href=\"mailto:sac@equifax.es\" target=\"_blank\" rel=\"noreferrer noopener\">sac@equifax.es<\/a>.<\/li>\n\n\n\n<li><strong>Contingut:<\/strong> indica que desitges exercir el teu \u00abDret d'Acc\u00e9s\u00bb. No cal que tinguis un n\u00famero de refer\u00e8ncia si no has rebut la carta de notificaci\u00f3.<\/li>\n\n\n\n<li><strong>Resposta:<\/strong> en un termini m\u00e0xim d'un mes (tot i que sol ser abans), rebr\u00e0s l'informe amb les empreses que t'han incl\u00f2s i l'import degut.<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Como_consultar_deudas_con_Hacienda\"><\/span>Com consultar deutes amb Hisenda<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">El proc\u00e9s amb l'Ag\u00e8ncia Tribut\u00e0ria \u00e9s purament telem\u00e0tic i molt eficient:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Accedeix a la <a href=\"https:\/\/sede.agenciatributaria.gob.es\/Sede\/inicio.html\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Seu Electr\u00f2nica de l'AEAT<\/strong><\/a>.<\/li>\n\n\n\n<li>Entra a l'apartat \u00abPagar, ajornar i consultar deutes\u00bb.<\/li>\n\n\n\n<li>Identifica't amb Cl@ve, DNIe o certificat.<\/li>\n\n\n\n<li>Fes clic a \u00abConsulta de deutes\u00bb per veure el llistat detallat i l'estat de cadascun (per\u00edode voluntari o executiu).<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Como_consultar_deudas_con_la_Seguridad_Social\"><\/span>Com consultar deutes amb la Seguretat Social<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c9s un tr\u00e0mit r\u00e0pid que pots fer des del m\u00f2bil:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Entra al portal <a href=\"https:\/\/portal.seg-social.gob.es\/wps\/portal\/importass\/importass\/inicio\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Importar<\/strong>.<\/a><\/li>\n\n\n\n<li>Accedeix a la teva \u00e0rea personal.<\/li>\n\n\n\n<li>Busca el tr\u00e0mit \u00abConsultar deutes i obtenir document de pagament\u00bb.<\/li>\n\n\n\n<li>Si no teniu deutes, podreu descarregar un certificat d'estar al corrent de pagament, molt \u00fatil per a tr\u00e0mits administratius.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Consejos_para_organizar_y_pagar_tus_deudas\"><\/span><strong>Consells per organitzar i pagar els teus deutes<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Un cop tens el mapa complet de les teves obligacions, \u00e9s el moment de passar a l'acci\u00f3. No et desesperis; tot deute t\u00e9 una soluci\u00f3 si es gestiona amb intel\u00b7lig\u00e8ncia.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Priorizar_las_deudas_mas_urgentes\"><\/span>Prioritzar els deutes m\u00e9s urgents<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">No tots els deutes s\u00f3n iguals. Prioritza aquells que:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Tenen els <strong>interessos m\u00e9s alts<\/strong> (normalment targetes revolving o microcr\u00e8dits antics).<\/li>\n\n\n\n<li>Poden provocar la <strong>interrupci\u00f3 de serveis b\u00e0sics<\/strong> (llum, aigua).<\/li>\n\n\n\n<li>Estan a <strong>fase d'embargament<\/strong>, ja que aquestes afecten directament a la teva liquiditat di\u00e0ria.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Negociar_o_aplazar_pagos\"><\/span>Negociar o ajornar pagaments<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Tant l'Ag\u00e8ncia Tribut\u00e0ria com molts bancs estan oberts a negociar plans de pagament. Si demostres voluntat de pagament, per\u00f2 falta de liquiditat puntual, \u00e9s possible aconseguir un fraccionament que et permeti respirar mes a mes.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Evitar_acumular_nuevos_impagos\"><\/span>Evitar acumular nous impagaments<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">La clau per sortir del clot \u00e9s tancar l'aixeta. Revisa les teves despeses formiga i ajusta el teu pressupost. Si necessites un impuls puntual per unificar pagaments o cobrir una despesa imprevista que est\u00e0 generant interessos abusius, busca opcions responsables i transparents.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFNecesitas_dinero_para_resolver_un_imprevisto\"><\/span><strong>Necessites diners per resoldre un imprevist?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">De vegades, malgrat tenir-ho tot controlat, sorgeix una emerg\u00e8ncia m\u00e8dica, una reparaci\u00f3 del cotxe o una factura inesperada que no pot esperar. En aquells moments, comptar amb aliats que ofereixin transpar\u00e8ncia \u00e9s fonamental.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si busques solucions \u00e0gils, a Avafin oferim <a href=\"https:\/\/www.avafin.es\/ca\/prestem\/facils\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Pr\u00e9stecs f\u00e0cils<\/strong><\/a> dissenyats per adaptar-se a les teves necessitats del moment, sense sorpreses a la lletra petita. Sabem que la rapidesa \u00e9s vital, per la qual cosa disposem de <a href=\"https:\/\/www.avafin.es\/ca\/credits\/rapids-sense-paperassa\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Cr\u00e8dits r\u00e0pids sense paperassa<\/strong><\/a> Podeu gestionar 100% en l\u00ednia des de la comoditat de casa vostra.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La nostra prioritat \u00e9s la teva tranquil\u00b7litat financera. Per aix\u00f2, si et trobes en una situaci\u00f3 d'urg\u00e8ncia, pots sol\u00b7licitar els nostres <a href=\"https:\/\/www.avafin.es\/ca\/credits\/urgents-en-linia\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Cr\u00e8dits urgents en l\u00ednia<\/strong><\/a> per equilibrar la teva balan\u00e7a econ\u00f2mica i evitar que petits deutes es converteixin en grans problemes per manca de pagament a temps.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Recorda: saber quant deus \u00e9s el primer pas per deixar de deure. Comen\u00e7a avui mateix a netejar el teu historial financer!<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\"><span class=\"ez-toc-section\" id=\"%C2%BFNecesitas_un_Prestamo_Rapido\"><\/span>Necessites un Pr\u00e9stec R\u00e0pid?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-center wp-block-paragraph\">Obtingues-ho avui amb AvaFin<\/p>\n\n\n\n<div style=\"margin: auto;\" class=\"flex flex-res\">\n<a id=\"av-get-loan\" class=\"btn btn-cta btn-lg force-data-base-url\" href=\"https:\/\/portal.avafin.es\/wp-registerCreditosi\" style=\"display: inline-block; margin: auto\">Sol\u00b7licitar<\/a>\n<\/div>\n<\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>En el camino hacia una salud financiera, el primer paso es siempre la claridad. Muchos usuarios se encuentran en una situaci\u00f3n de incertidumbre, pregunt\u00e1ndose: \u00bfc\u00f3mo saber las deudas que tengo gratis? Ya sea porque has olvidado un antiguo recibo de telefon\u00eda o porque temes que un impago est\u00e9 bloqueando tus opciones de financiaci\u00f3n, obtener esta [&hellip;]<\/p>\n","protected":false},"author":23,"featured_media":4939,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[24,23],"tags":[],"class_list":["post-4450","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-deudas","category-educacion-financiera"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>C\u00f3mo saber las deudas que tengo gratis 2026 | AvaFin Espa\u00f1a<\/title>\n<meta name=\"description\" content=\"Saber las deudas que tienes gratis es posible. Consulta ASNEF, CIRBE, Hacienda y Seguridad Social con nuestra gu\u00eda paso a paso actualizada.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.avafin.es\/ca\/bloc\/com-saber-els-deutes-que-tinc-gratis\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"C\u00f3mo saber las deudas que tengo gratis 2026 | AvaFin Espa\u00f1a\" \/>\n<meta property=\"og:description\" content=\"Saber las deudas que tienes gratis es posible. Consulta ASNEF, CIRBE, Hacienda y Seguridad Social con nuestra gu\u00eda paso a paso actualizada.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.avafin.es\/ca\/bloc\/com-saber-els-deutes-que-tinc-gratis\" \/>\n<meta property=\"og:site_name\" content=\"AvaFin Espa\u00f1a\" \/>\n<meta property=\"article:published_time\" content=\"2026-03-23T10:44:49+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.avafin.es\/wp-content\/uploads\/2024\/08\/como-saber-mis-deudas-pendientes-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1707\" \/>\n\t<meta property=\"og:image:height\" content=\"2560\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Daniel Escudero\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Daniel Escudero\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"8 minuts\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/blog\\\/como-saber-las-deudas-que-tengo-gratis#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/blog\\\/como-saber-las-deudas-que-tengo-gratis\"},\"author\":{\"name\":\"Daniel Escudero\",\"@id\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/#\\\/schema\\\/person\\\/dfcbcd68c6560ce5045e2e9ad2b802e5\"},\"headline\":\"C\u00f3mo saber las deudas que tengo gratis\",\"datePublished\":\"2026-03-23T10:44:49+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/blog\\\/como-saber-las-deudas-que-tengo-gratis\"},\"wordCount\":1691,\"image\":{\"@id\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/blog\\\/como-saber-las-deudas-que-tengo-gratis#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.avafin.es\\\/wp-content\\\/uploads\\\/2024\\\/08\\\/como-saber-mis-deudas-pendientes-scaled.jpg\",\"articleSection\":[\"Deudas\",\"Educaci\u00f3n financiera\"],\"inLanguage\":\"ca\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/blog\\\/como-saber-las-deudas-que-tengo-gratis\",\"url\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/blog\\\/como-saber-las-deudas-que-tengo-gratis\",\"name\":\"C\u00f3mo saber las deudas que tengo gratis 2026 | AvaFin Espa\u00f1a\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/blog\\\/como-saber-las-deudas-que-tengo-gratis#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/blog\\\/como-saber-las-deudas-que-tengo-gratis#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.avafin.es\\\/wp-content\\\/uploads\\\/2024\\\/08\\\/como-saber-mis-deudas-pendientes-scaled.jpg\",\"datePublished\":\"2026-03-23T10:44:49+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/#\\\/schema\\\/person\\\/dfcbcd68c6560ce5045e2e9ad2b802e5\"},\"description\":\"Saber las deudas que tienes gratis es posible. 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