Personal Insolvency in Portugal in 2026: A Practical Guide to the Exoneracao do Passivo Restante, the Three Years of Ceded Income, the 300,000 Euro Small-Debtor Route, and the Four Debts a Discharge Never Clears
How the CIRE discharge works after Lei 9/2022: three years of ceded income instead of five, a payment-plan route that carries no publicity or registration, and one sentence in Article 254 that forfeits the whole benefit if it is left out.
