{"id":1171746,"date":"2018-06-22T12:56:24","date_gmt":"2018-06-22T16:56:24","guid":{"rendered":""},"modified":"2018-09-07T15:56:06","modified_gmt":"2018-09-07T15:56:06","slug":"jai-des-probl\u00e8mes-financiers-dois-je-d\u00e9clarer-faillite","status":"publish","type":"questions","link":"https:\/\/newsite.stepstojustice.ca\/fr\/questions\/debt-and-consumer-rights\/jai-des-probl\u00e8mes-financiers-dois-je-d\u00e9clarer-faillite\/","title":{"rendered":"J&rsquo;ai des probl\u00e8mes financiers. Dois-je d\u00e9clarer faillite?"},"content":{"rendered":"<p>La faillite est une proc\u00e9dure juridique qui vous permet de liquider vos dettes si vous ne pouvez pas les rembourser. Gr\u00e2ce \u00e0 cette proc\u00e9dure, vous pouvez, en quelque sorte, recommencer \u00e0 z\u00e9ro. Vous aurez toutefois de la difficult\u00e9 \u00e0 obtenir une carte de cr\u00e9dit, un pr\u00eat hypoth\u00e9caire ou un autre pr\u00eat \u00e0 l&rsquo;avenir.<\/p>\n<p>Vous ne pouvez d\u00e9clarer faillite que si vous \u00eates insolvable, donc si vous&nbsp;:<\/p>\n<ul>\n<li>n&rsquo;avez pas assez d&rsquo;argent pour rembourser vos dettes;<\/li>\n<li>avez une dette non garantie sup\u00e9rieure \u00e0 1&nbsp;000&nbsp;$.<\/li>\n<\/ul>\n<p>Une dette non garantie est une somme que vous devez en l&rsquo;absence de bien grev\u00e9, comme&nbsp;:<\/p>\n<ul>\n<li>le solde de votre carte de cr\u00e9dit;<\/li>\n<li>un pr\u00eat sur salaire;<\/li>\n<li>une facture de t\u00e9l\u00e9phone cellulaire;<\/li>\n<li>une ligne de cr\u00e9dit.<\/li>\n<\/ul>\n<p>Si vous avez d\u00e9j\u00e0 fait faillite, un syndic autoris\u00e9 en insolvabilit\u00e9 peut vous expliquer les r\u00e8gles particuli\u00e8res qui s&rsquo;appliquent \u00e0 votre situation.<\/p>\n<h3>Avant de d\u00e9clarer faillite<\/h3>\n<p>La plupart des gens peuvent r\u00e9gler leur probl\u00e8me d&rsquo;endettement sans d\u00e9clarer faillite. Pour \u00e9viter la faillite, vous pouvez&nbsp;:<\/p>\n<ul>\n<li>essayer d&rsquo;\u00e9tablir un plan de remboursement, qu&rsquo;on appelle une \u00ab&nbsp;r\u00e9organisation informelle&nbsp;\u00bb, avec vos cr\u00e9anciers \u2013 vous pouvez leur parler vous-m\u00eame ou demander l&rsquo;aide d&rsquo;un conseiller en cr\u00e9dit d&rsquo;une agence sans but lucratif;<\/li>\n<li>vous adresser \u00e0 un conseiller financier de votre banque, qui peut vous aider \u00e0 mettre en place un plan de remboursement de vos dettes ou \u00e0 demander un pr\u00eat de consolidation;<\/li>\n<li>discuter de votre situation financi\u00e8re et des mesures \u00e0 prendre avec un syndic autoris\u00e9 en insolvabilit\u00e9, qui peut vous aider \u00e0 d\u00e9poser une proposition de consommateur.<\/li>\n<\/ul>\n","protected":false},"author":3,"featured_media":0,"template":"","legal-topic":[42143,42492,42494],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.14 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>J&#039;ai des probl\u00e8mes financiers. 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