{"id":879,"date":"2020-10-16T17:59:14","date_gmt":"2020-10-16T17:59:14","guid":{"rendered":"https:\/\/businessreorganizationsandiego.com\/?p=879"},"modified":"2026-07-21T20:48:27","modified_gmt":"2026-07-21T20:48:27","slug":"sbra-case-study-restaurant","status":"publish","type":"post","link":"https:\/\/businessreorganizationsandiego.com\/es\/2020\/10\/sbra-case-study-restaurant\/","title":{"rendered":"Estudio de Caso SBRA: Due\u00f1o de Restaurante en California"},"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 la situaci\u00f3n de un due\u00f1o de restaurante hipot\u00e9tico en California, con las siguientes circunstancias financieras. En este art\u00edculo cubriremos muchos datos financieros r\u00e1pidamente. No se preocupe por tomar notas \u2014 el contenido completo de esta presentaci\u00f3n tambi\u00e9n puede consultarse en la secci\u00f3n de blog escrito del sitio web.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>El propietario es due\u00f1o de una casa. Hay dos hipotecas sobre ella. Primera hipoteca de $300,000. Segunda hipoteca de $200,000, pr\u00e9stamo a 15 a\u00f1os. La casa vale $400,000. Los $200,000 del segundo pr\u00e9stamo se destinaron al negocio.<\/li>\n\n\n\n<li>El restaurante tiene un contrato de compra de equipo. Contrato original de $150,000, a 84 meses al 12%. Quedan $105,848 con 57 meses restantes del contrato. El equipo solo vale $20,000.&nbsp;<\/li>\n\n\n\n<li>Hace cinco a\u00f1os, el propietario firm\u00f3 un arrendamiento a 10 a\u00f1os a dos d\u00f3lares por pie cuadrado. El espacio actualmente se renta a cuatro d\u00f3lares por pie cuadrado. Debido a que el Covid oblig\u00f3 a cerrar el negocio, el propietario debe seis meses de renta a $5,000 al mes.<\/li>\n\n\n\n<li>El restaurante tiene muebles arrendados.<\/li>\n\n\n\n<li>El propietario recibi\u00f3 un pr\u00e9stamo de emergencia de la SBA de $150,000 hace seis meses. Hace 45 d\u00edas, el propietario pag\u00f3 $75,000 a Discover en una tarjeta de cr\u00e9dito preexistente. Hace 100 d\u00edas, le devolvi\u00f3 a su hermano $50,000 pero volvi\u00f3 a pedirle prestado $40,000.<\/li>\n\n\n\n<li>El propietario tiene $100,000 en otras deudas de tarjetas de cr\u00e9dito.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Pagos Mensuales Antes de la Reorganizaci\u00f3n<\/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>Pago mensual de la primera hipoteca: $1,800. Pago mensual de la segunda hipoteca: $1,688.<\/li>\n\n\n\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 del espacio 1: $5,000 al mes.<\/li>\n\n\n\n<li>Arrendamiento de muebles: $750 al mes.<\/li>\n\n\n\n<li>Pago mensual del pr\u00e9stamo de la SBA: $1,266.<\/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<\/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\">Total de pagos mensuales: $14,938.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Deuda total: $855,848 m\u00e1s $30,000 en renta atrasada, m\u00e1s los $75,000 que se le volver\u00e1n a deber a Discover, ya que Discover tendr\u00e1 que restituir el pago recibido por tratarse de un pago preferencial impugnable. Total: $960,848.<\/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\">Nuevos pagos mensuales del propietario:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Punto 1 \u2014 Pr\u00e9stamos Hipotecarios<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Comencemos con los pr\u00e9stamos de la casa. Debido a que la casa vale menos que la suma combinada de ambos pr\u00e9stamos, la segunda hipoteca puede bifurcarse en una porci\u00f3n garantizada y una no garantizada. $100,000 de la segunda hipoteca est\u00e1n garantizados. $100,000 no est\u00e1n garantizados. Debido a que el pr\u00e9stamo se us\u00f3 completamente para el negocio, la SBRA establece que los t\u00e9rminos del pr\u00e9stamo pueden modificarse. As\u00ed que propondr\u00edamos lo siguiente: la porci\u00f3n no garantizada de la segunda hipoteca, $100,000, se trasladar\u00eda al grupo de acreedores que incluye el pr\u00e9stamo de la SBA de $150,000 y las tarjetas de cr\u00e9dito de $100,000. La deuda total no garantizada, entonces, equivale a $350,000. Para efectos de este estudio de caso hipot\u00e9tico, asumiremos que estos acreedores no garantizados solo reciben $75,000 a trav\u00e9s del plan. Propondr\u00edamos modificar la porci\u00f3n garantizada de $100,000 de la siguiente manera: extender el plazo de pago a 30 a\u00f1os, reduciendo la tasa de inter\u00e9s al 3%.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pagos mensuales.\n<ol class=\"wp-block-list\">\n<li>Pago mensual anterior de la primera y segunda hipoteca: $3,488.<\/li>\n\n\n\n<li>Nuevo pago mensual: $2,222.<\/li>\n\n\n\n<li>Ahorro mensual: $1,266.<\/li>\n<\/ol>\n<\/li>\n\n\n\n<li>Deuda total.\n<ol class=\"wp-block-list\">\n<li>Monto original de la deuda: $500,000.<\/li>\n\n\n\n<li>Nuevo monto adeudado: $400,000.<\/li>\n\n\n\n<li>Cantidad de reducci\u00f3n de deuda: $100,000 menos la parte que le corresponde a esta deuda del fondo para acreedores no garantizados: $17,647. Reducci\u00f3n total de deuda: $82,352.<\/li>\n<\/ol>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Punto 2 \u2014 Contrato de Compra de Equipo<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Contrato de compra de equipo. Bajo la SBRA, el monto adeudado por 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,<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pagos mensuales.\n<ul class=\"wp-block-list\">\n<li>&nbsp;Pago mensual anterior: $2,933.<\/li>\n\n\n\n<li>Nuevo pago mensual: $387. 60 meses. Se deben $20,000.<\/li>\n\n\n\n<li>Ahorro mensual: $2,545.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Deuda total.\n<ul class=\"wp-block-list\">\n<li>Monto original de la deuda: $105,848.<\/li>\n\n\n\n<li>Nuevo monto adeudado: $20,000.<\/li>\n\n\n\n<li>Cantidad de deuda eliminada: $85,848.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Punto 3 \u2014 Arrendamiento del Espacio<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Arrendamiento del espacio: Bajo la SBRA, el propietario puede elegir asumir, asumir y ceder, o rechazar el contrato de arrendamiento. Aunque el propietario podr\u00eda vender el arrendamiento, decide quedarse en la ubicaci\u00f3n actual. El propietario asume el arrendamiento. Inmediatamente despu\u00e9s de presentar el caso, se presenta una moci\u00f3n para lograr tres cosas: diferir la renta por 60 d\u00edas; tratar los $10,000 de renta atrasada como un gasto administrativo, pagado a lo largo de cinco a\u00f1os; y que se perdonen los seis meses de renta atrasada debido al Covid, por motivos de fuerza mayor, imposibilidad de cumplimiento y frustraci\u00f3n del prop\u00f3sito del contrato. Todas las solicitudes son concedidas.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pago mensual: $5,000.<\/li>\n\n\n\n<li>Reducci\u00f3n de capital: se perdonan $30,000 de renta atrasada despu\u00e9s de que el juez de bancarrota aplica la ley estatal y determina que, dado que el due\u00f1o del restaurante no pudo generar ingresos debido a la pandemia y las restricciones gubernamentales, el pago de la renta queda excusado durante esos seis meses.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Punto 4 \u2014 Arrendamiento de Muebles<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Arrendamiento de muebles: El propietario decide rechazar este arrendamiento. No se debe ning\u00fan monto adicional.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pago mensual anterior: $750.<\/li>\n\n\n\n<li>Nuevo pago mensual: cero.<\/li>\n\n\n\n<li>Ahorro: $750.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Punto 5 \u2014 Acreedores No Garantizados (Tarjetas de Cr\u00e9dito + SBA)<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Tarjetas de cr\u00e9dito, la porci\u00f3n no garantizada de la hipoteca de la casa, y el pr\u00e9stamo de la SBA. Estos son acreedores no garantizados. Comparten a prorrata los $75,000 que paga Discover, ya que el pago a Discover no solo fue una preferencia, sino que tambi\u00e9n ser\u00e1 impugnado.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pagos mensuales originales:\n<ol class=\"wp-block-list\">\n<li>Tarjetas de cr\u00e9dito: $1,501.<\/li>\n\n\n\n<li>Pr\u00e9stamo de la SBA: $1,266.<\/li>\n\n\n\n<li>Pago atribuido a la porci\u00f3n bifurcada de $100,000 de la segunda hipoteca: $844.<\/li>\n\n\n\n<li>Total: $3,611.<\/li>\n<\/ol>\n<\/li>\n\n\n\n<li>Nuevo pago a trav\u00e9s del plan de reorganizaci\u00f3n: $625. El plan establece el pago de los $75,000 a lo largo de 10 a\u00f1os.<\/li>\n\n\n\n<li>Ahorro mensual: $2,986.<\/li>\n\n\n\n<li>Deuda original: $350,000. Sumando el incremento de $75,000 a la cantidad adeudada a la tarjeta de cr\u00e9dito Discover, despu\u00e9s de que restituyan el pago preferencial, para un total de $425,000. Cantidad pagada a todos los acreedores no garantizados: $75,000.<\/li>\n\n\n\n<li>Ahorro total de deuda: $350,000.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Punto 6 \u2014 Los Pagos Preferenciales<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">El pago a Discover de $75,000 fue una preferencia. Fue un pago \u00fanico sobre una deuda preexistente. No se recibi\u00f3 ning\u00fan valor nuevo por el pago. El pago no se realiz\u00f3 dentro del curso ordinario del negocio. No aplica ninguna otra defensa. Se requerir\u00e1 que Discover restituya este dinero. Este dinero se sumar\u00e1 al fondo del cual se paga a los acreedores no garantizados a prorrata. El pago al hermano tambi\u00e9n fue un pago preferencial. Sin embargo, dado que el cliente le volvi\u00f3 a pedir prestado $40,000, ese dinero se considerar\u00eda como un nuevo valor recibido, reduciendo el pago preferencial impugnable a $10,000. Los costos de litigar para recuperar esos $10,000 superar\u00edan el beneficio. Se decidi\u00f3 no buscar la recuperaci\u00f3n de los $10,000.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Resumen de Ahorros<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">En resumen, el plan de reorganizaci\u00f3n resultar\u00eda en los siguientes ahorros:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Reducci\u00f3n de capital:\n<ul class=\"wp-block-list\">\n<li>Reducci\u00f3n de capital del pr\u00e9stamo hipotecario: $82,352.<\/li>\n\n\n\n<li>Reducci\u00f3n de capital del pr\u00e9stamo del equipo: $85,848.<\/li>\n\n\n\n<li>Reducci\u00f3n de capital de deuda no garantizada: $350,000.<\/li>\n\n\n\n<li>Perd\u00f3n de renta: $30,000.<\/li>\n\n\n\n<li>Reducci\u00f3n total de capital: $548,200.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Reducci\u00f3n de pago mensual:\n<ul class=\"wp-block-list\">\n<li>Pago mensual antes de la reorganizaci\u00f3n: $14,938.<\/li>\n\n\n\n<li>Pago mensual despu\u00e9s de la reorganizaci\u00f3n: $8,235.<\/li>\n\n\n\n<li>Ahorro mensual: $6,703.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Imagine que el ingreso personal del propietario proveniente del negocio y el capital neto en su casa se recuperan una vez que se estabilizan los pagos de la deuda.<\/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\": \"SBRA Case Study: California Restaurant Owner\",\n  \"url\": \"https:\/\/businessreorganizationsandiego.com\/2020\/10\/sbra-case-study-restaurant\/\",\n  \"datePublished\": \"2020-10-16\",\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 of a hypothetical California restaurant owner with the following financial circumstances.&nbsp; In this blog, we do cover a [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3137,"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-879","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>SBRA Case Study: California Restaurant Owner<\/title>\n<meta name=\"description\" content=\"A real example of how the SBRA helped a California restaurant owner restructure business debt. 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