{"id":737,"date":"2020-10-05T23:07:06","date_gmt":"2020-10-05T23:07:06","guid":{"rendered":"https:\/\/businessreorganizationsandiego.com\/?p=737"},"modified":"2026-09-11T02:18:58","modified_gmt":"2026-09-11T02:18:58","slug":"sbra-case-study-debt-reduction","status":"publish","type":"post","link":"https:\/\/businessreorganizationsandiego.com\/es\/2020\/10\/sbra-case-study-debt-reduction\/","title":{"rendered":"Estudio de Caso #1: La SBRA Reduce la Deuda Total en $245,848, los Pagos Mensuales en $6,760, y Salva a un Restaurante Que Estaba a Punto de Cerrar, Eliminando las Garant\u00edas Personales"},"content":{"rendered":"<p class=\"wp-block-paragraph\"><strong>Escrito por Steven E. Cowen, Esq.<\/strong><br>Abogado, Debt Solution Law Group | Colegio de Abogados del Estado de California \n#132988 | <a href=\"https:\/\/businessreorganizationsandiego.com\/es\/about\/\" data-type=\"link\" data-id=\"https:\/\/businessreorganizationsandiego.com\/about\/\">Biograf\u00eda completa del abogado \u2192<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">La Situaci\u00f3n del Due\u00f1o del Negocio<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Veamos c\u00f3mo funciona la SBRA en una situaci\u00f3n donde el due\u00f1o de un restaurante, casado, que opera como corporaci\u00f3n, ha garantizado personalmente la deuda del negocio.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">El propietario ha sido residente de California durante los \u00faltimos 20 a\u00f1os. Sus bienes personales incluyen una casa con $250,000 en plusval\u00eda, $50,000 en un certificado de dep\u00f3sito (CD), y un plan de retiro con $250,000. Tiene dos pagos de auto. Ambos veh\u00edculos valen menos de lo que se debe por ellos.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ahora veamos la deuda del negocio. El restaurante tiene un contrato de compra de equipo. Contrato original: $150,000 a 84 meses al 12%, con $100,000 restantes. Quedan 97 meses del contrato. El equipo solo vale $20,000. El espacio comercial no es en un centro comercial de gama alta. Hay dos arrendamientos separados. Los muebles y dem\u00e1s mobiliario tambi\u00e9n est\u00e1n arrendados. En mal estado.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Deuda de tarjetas de cr\u00e9dito y otra deuda no garantizada: $100,000. La tasa de inter\u00e9s promedia el 15%. El propietario tambi\u00e9n tiene un pr\u00e9stamo SBA con un saldo de $80,000. El propietario us\u00f3 esos $80,000 hace aproximadamente 45 d\u00edas para pagarle $80,000 a American Express. A\u00fan debe $20,000.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Pagos Mensuales Antes de Presentar el Caso<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pagos mensuales del propietario:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Contrato de compra de equipo: pago mensual $2,933. Tasa de inter\u00e9s: 12%. Saldo actual: $105,848. Meses restantes: 57. Valor del equipo: $20,000.<\/li>\n\n\n\n<li>Arrendamiento de Espacio 1: $2,500 al mes. Arrendamiento de Espacio 2: $2,500 al mes.<\/li>\n\n\n\n<li>Arrendamiento de muebles: $750 al mes.<\/li>\n\n\n\n<li>Tarjetas de cr\u00e9dito. Pago mensual: $1,501. Tasa de inter\u00e9s: 15%. Saldo actual: $100,000. Meses restantes: 144.<\/li>\n\n\n\n<li>Pr\u00e9stamo SBA: pago mensual $1,057. Tasa de inter\u00e9s: 10%. Saldo actual: $80,000. Meses restantes: 120.<\/li>\n\n\n\n<li>Pago del fondo de n\u00f3mina: pago mensual $905. Saldo adeudado: $20,000.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Deuda Total Antes de Presentar el Caso<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Deuda total mensual: $12,146<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Deuda total: $305,848<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Antes del COVID, el restaurante generaba $18,750 al mes para cubrir las categor\u00edas de gastos mencionadas arriba (para simplificar, se omiten otros gastos como los salarios de empleados). El propietario se llevaba a casa $6,656, lo cual apenas alcanzaba para cubrir el pago de la casa y otros gastos personales mensuales.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Lleg\u00f3 el COVID. Los ingresos bajaron a $11,250 al mes. El propietario estaba a punto de cerrar el negocio, y pas\u00f3 una noche sin dormir, aterrado, pensando en 1) c\u00f3mo dec\u00edrselo a sus empleados, y 2) c\u00f3mo iba a cumplir con la garant\u00eda personal. Pensaba que lo perder\u00eda todo: la casa, los ahorros, quiz\u00e1s incluso el plan de retiro. Entonces asisti\u00f3 a uno de nuestros seminarios web gratuitos, donde conoci\u00f3 la SBRA, y nos contrat\u00f3 para su caso.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Aplicando las Reglas de la SBRA<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ahora apliquemos las reglas bajo la SBRA. Y recuerde, estas son reglas, no deseos ni puntos de partida para negociar. Son reglas.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Nuevos Pagos Mensuales Despu\u00e9s de la Reorganizaci\u00f3n<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Nuevos pagos mensuales del propietario:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Contrato de compra de equipo. Bajo la SBRA, el monto adeudado sobre la deuda garantizada se reduce al valor del equipo, con una tasa de inter\u00e9s del 6%, y el plazo de pago puede extenderse. Aplicando estas reglas: pago mensual $387. 60 meses. $20,000 adeudados.<\/li>\n\n\n\n<li>Arrendamiento de Espacio 1: bajo la SBRA, el propietario puede optar por asumir o rechazar un arrendamiento. El propietario decide conservar el primer arrendamiento. Pago mensual: $250. Arrendamiento de Espacio 2: el propietario decide rechazar el segundo arrendamiento y entrega el espacio al arrendador. No debe ning\u00fan monto adicional. Arrendamiento de muebles: el propietario decide rechazar este arrendamiento. No debe ning\u00fan monto adicional.<\/li>\n\n\n\n<li>Tarjetas de cr\u00e9dito y el pr\u00e9stamo SBA. Como se explic\u00f3 antes, las tarjetas de cr\u00e9dito y el pr\u00e9stamo SBA se reducir\u00edan considerando los $80,000 recuperados de American Express, los cuales el propietario reembolsa a $1,437 al mes. Resultado final: las tarjetas de cr\u00e9dito \u2014 incluyendo la de American Express \u2014 y el pr\u00e9stamo SBA reciben 31 centavos por d\u00f3lar.<\/li>\n\n\n\n<li>Impuestos del fondo fiduciario de n\u00f3mina. Bajo la SBRA, el propietario tiene cinco a\u00f1os al 3% de inter\u00e9s para pagar estos impuestos. Con la aprobaci\u00f3n del IRS, esto puede extenderse a un pago mensual de $360.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Total de pagos mensuales asignados a los acreedores no garantizados: $3,247<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Deuda total: $40,000 m\u00e1s el reembolso del monto recuperado de American Express ($80,000), para un total de $120,000.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ahorro mensual en el servicio de la deuda: $12,146 \u2212 $3,247 = $8,899.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Deuda total eliminada: $365,848 \u2212 $120,000 = $245,848.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La SBRA transform\u00f3 una situaci\u00f3n cr\u00edtica \u2014 cierre inminente del negocio y una posible ruina financiera personal \u2014 en un negocio que se mantiene abierto y un propietario que recupera el mismo ingreso neto que ten\u00eda antes de la pandemia.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Header: Protegiendo los Activos Personales \u2013 Las Garant\u00edas Personales<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ahora hablemos de las garant\u00edas personales.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si ha vivido en el estado de California durante los \u00faltimos dos a\u00f1os, puede usar el sistema de exenciones de California para proteger su propiedad y aun as\u00ed eliminar la deuda. Proteger significa conservar. Y, como California en general, sus exenciones son bastante generosas. Existen dos sistemas de exenci\u00f3n en California. Cuando hay una cantidad significativa de plusval\u00eda en un bien inmueble, usamos las llamadas exenciones 704. En este estudio de caso, el cliente ha vivido en California durante 20 a\u00f1os y posee los siguientes bienes:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Una vivienda que es la residencia personal de \u00e9l y su esposa, con $250,000 en plusval\u00eda. $50,000 en un certificado de dep\u00f3sito. Un plan de retiro 401(k) valuado en $250,000. Dos pagos de auto. Ambos veh\u00edculos valen menos de lo que se debe por los pr\u00e9stamos. El propietario tambi\u00e9n posee muebles, enseres, ropa y joyer\u00eda diversa. Fuera de la corporaci\u00f3n, el propietario posee equipo de restaurante y equipo relacionado con un valor de venta r\u00e1pida de $15,000.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Exenciones de California que Aplican<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">El monto de la exenci\u00f3n de vivienda familiar (homestead) en California var\u00eda seg\u00fan el condado y se ajusta anualmente cada 1 de enero. En el sur de California, los montos de exenci\u00f3n actuales incluyen aproximadamente $495,000 en el Condado de San Bernardino, $535,000 en el Condado de Riverside, y aproximadamente $743,861 en los Condados de San Diego, Los \u00c1ngeles, Orange y Ventura. De igual manera, el saldo completo de $250,000 en el plan de retiro 401(k) est\u00e1 exento. No hay plusval\u00eda en los veh\u00edculos \u2014 obviamente, no hay nada que exentar ah\u00ed. Los muebles, enseres, ropa y joyer\u00eda diversa tambi\u00e9n est\u00e1n exentos autom\u00e1ticamente. El equipo de restaurante se considerar\u00eda \"herramientas de trabajo\" (\"trade tools\"). Se pueden exentar $8,725 en herramientas de trabajo, y dado que el propietario en este estudio de caso est\u00e1 casado, ese monto se puede duplicar, de modo que el valor total, a precio de venta r\u00e1pida, del equipo de restaurante y art\u00edculos relacionados tambi\u00e9n queda exento.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Lo que no est\u00e1 exento autom\u00e1ticamente es el certificado de dep\u00f3sito de $50,000. Ah\u00ed es donde entra la planificaci\u00f3n. El propietario puede convertir ese certificado de dep\u00f3sito no exento de $50,000 en un activo exento, cobr\u00e1ndolo y aplic\u00e1ndolo al pago de la casa. El propietario cuenta con una exenci\u00f3n m\u00ednima de $743,861, que equivale a la plusval\u00eda actual de $250,000 m\u00e1s el certificado de dep\u00f3sito de $50,000.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Con todos los bienes ya exentos, los propietarios pueden presentar una bancarrota personal bajo el Cap\u00edtulo 7 y eliminar las garant\u00edas personales.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Usando la Amenaza del Cap\u00edtulo 7 como Palanca<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Note, es completamente posible renegociar la deuda del negocio sin que los propietarios tengan que presentar una bancarrota personal bajo el Cap\u00edtulo 7. \u00bfC\u00f3mo? La amenaza de una bancarrota personal para eliminar las garant\u00edas personales le da al due\u00f1o del negocio una ventaja de negociaci\u00f3n \u2014 considerable, en muchos casos \u2014 para sentar al acreedor en la mesa de negociaci\u00f3n. Resultado previsible: ninguna de las partes obtiene su \"mejor escenario posible\". El acreedor cobra m\u00e1s a trav\u00e9s del plan de reestructuraci\u00f3n de lo que cobrar\u00eda sin las garant\u00edas personales. El due\u00f1o del negocio no logra toda la reducci\u00f3n de deuda que podr\u00eda obtener sin las garant\u00edas personales, pero s\u00ed logra reducir la deuda al nivel en que los ingresos posteriores al COVID sean suficientes para volver a ser rentable.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">El Pago Preferencial de $80,000 a American Express<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Eso deja \u00fanicamente el pago de $80,000 hecho a American Express 45 d\u00edas antes de presentar el caso. Conforme a la ley, esos $80,000 se consideran un \"pago preferencial\" porque se realiz\u00f3 dentro de los 90 d\u00edas anteriores a la presentaci\u00f3n del caso bajo la SBRA. Si American Express no devuelve el dinero voluntariamente, presentar\u00edamos lo que se conoce como una \"acci\u00f3n de preferencia\" (preference action) para recuperarlo. Y ese dinero regresar\u00eda r\u00e1pidamente a la cuenta bancaria del negocio. El tribunal de bancarrota no es como un tribunal civil estatal t\u00edpico, donde todo toma a\u00f1os y las reglas son de todo menos claras. El dinero se considerar\u00eda un activo corporativo y no estar\u00eda exento, pero los propietarios podr\u00edan conservarlo como capital de trabajo, siempre que acordaran reembolsar un total de $80,000 (incluyendo capital e intereses). El propietario acuerda reembolsar este monto a lo largo de 57 meses, con un pago mensual de $1,437. Ese dinero se reservar\u00eda para los acreedores no garantizados. Para efectos de esta explicaci\u00f3n, supongamos que los \u00fanicos reclamantes no garantizados son las tarjetas de cr\u00e9dito, el pr\u00e9stamo SBA y, ahora, American Express. Total: $260,000. Monto reembolsado: $80,000, es decir, 31 centavos por d\u00f3lar.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">El propietario tendr\u00eda libertad para usar parte de esos $80,000 en comprar muebles y mobiliario nuevo, y para remodelar el restaurante. \u00bfIdeal? No. Pero tener capital de trabajo en la cuenta bancaria a cambio de un pago mensual de $1,437 (pr\u00e9stamo al 3%) se acerca bastante. El resto de estas deudas queda eliminado.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00bfY las garant\u00edas personales? Si el propietario presenta la bancarrota personal bajo el Cap\u00edtulo 7, los propietarios conservan todo \u2014 m\u00e1s de $600,000 en bienes \u2014 y las garant\u00edas personales quedan eliminadas. O bien, como se mencion\u00f3, la amenaza de la bancarrota personal bajo el Cap\u00edtulo 7 puede usarse como palanca para sentar al acreedor en la mesa de negociaci\u00f3n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Resumen Final de Resultados<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">En resumen, entonces, al combinar una acci\u00f3n bajo la SBRA con un Cap\u00edtulo 7 personal, en este escenario el resultado final ser\u00eda el siguiente:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>El pago mensual de la deuda antes de presentar el caso, de $12,146, se reduce a $3,247 m\u00e1s los $1,437 para reembolsar los $80,000, lo que da un ahorro de $12,146 \u2212 $3,247 \u2212 $1,437 = $7,462.<\/li>\n\n\n\n<li>Los impuestos del fondo fiduciario se distribuyen a lo largo de cinco a\u00f1os.<\/li>\n\n\n\n<li>Los ingresos del negocio posteriores al COVID, de $11,250, menos $3,247 menos $1,437, equivalen a $6,566 \u2014 el mismo nivel que antes del COVID.<\/li>\n\n\n\n<li>Deuda total eliminada: $365,848 \u2212 $120,000 = $245,848. Reducida de forma permanente.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Imagine la tranquilidad financiera personal del propietario mientras los pagos de la deuda del negocio se mantienen manejables y sus ingresos personales vuelven a la normalidad. Nos enfocamos en usar la SBRA para eliminar deuda y aumentar las ganancias futuras del negocio \u2014 y le invitamos a hacer uso de nuestra biblioteca de videos y seminarios web para aprender m\u00e1s sobre este tema.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si desea obtener m\u00e1s informaci\u00f3n sobre c\u00f3mo la Ley de Reorganizaci\u00f3n de Peque\u00f1as Empresas puede ayudar a su negocio, por favor ll\u00e1menos al <a href=\"tel: (619) 202-7511\">(619) 202-7511<\/a>Ext. 1, o env\u00ede su informaci\u00f3n de contacto usando el formulario de contacto en nuestro sitio web para programar una consulta gratuita.<\/p>\n\n\n\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"BlogPosting\",\n  \"headline\": \"Case Study: SBRA Cuts Restaurant Debt by $245K\",\n  \"url\": \"https:\/\/businessreorganizationsandiego.com\/2020\/10\/sbra-case-study-debt-reduction\/\",\n  \"datePublished\": \"2020-10-05\",\n  \"dateModified\": \"2026-07-02\",\n  \"author\": {\n    \"@type\": \"Person\",\n    \"name\": \"Steven E. 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Cowen, Esq.Attorney, Debt Solution Law Group | State Bar of California #132988 | Full attorney bio \u2192 The Business Owner&#8217;s Situation Let\u2019s take a look at how the SBRA works in a situation where a married restaurant owner doing business as a corporation has personally guaranteed the business debt. The owner [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3141,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[9],"tags":[],"class_list":["post-737","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-case-studies"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Case Study: SBRA Cuts Restaurant Debt by $245K<\/title>\n<meta name=\"description\" content=\"How the SBRA reduced one restaurant&#039;s debt by $245,848 and wiped out personal guarantees. 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