{"id":1176922,"date":"2018-06-22T12:07:29","date_gmt":"2018-06-22T16:07:29","guid":{"rendered":""},"modified":"2019-06-14T10:05:58","modified_gmt":"2019-06-14T10:05:58","slug":"1-rencontrez-un-syndic-autoris\u00e9-en-insolvabilit\u00e9","status":"publish","type":"steps","link":"https:\/\/newsite.stepstojustice.ca\/fr\/steps\/debt-and-consumer-rights\/1-rencontrez-un-syndic-autoris\u00e9-en-insolvabilit\u00e9\/","title":{"rendered":"1. Rencontrez un syndic autoris\u00e9 en insolvabilit\u00e9"},"content":{"rendered":"<p>En Ontario, les syndics autoris&eacute;s en insolvabilit&eacute; doivent avoir une licence d&eacute;livr&eacute;e par le gouvernement f&eacute;d&eacute;ral pour pouvoir d&eacute;poser des dossiers de faillite. Pour trouver un syndic, consultez le <a class=\"links-link ext new-link\" href=\"\/node\/111190\" target=\"_blank\">site Web du gouvernement du Canada<\/a>.<\/p>\n<p>Votre premi&egrave;re rencontre avec un syndic est g&eacute;n&eacute;ralement gratuite. Toutefois, si vous d&eacute;cidez de d&eacute;clarer faillite, vous devez payer les services du syndic ou vendre vos avoirs pour couvrir ses frais.<\/p>\n<p>Si vous n&rsquo;arrivez pas &agrave; trouver un syndic ou si vous n&rsquo;avez pas les moyens de payer les frais habituels, vous pourriez &ecirc;tre admissible au <a href=\"https:\/\/stepstojustice.ca\/fr\/questions\/debt-and-consumer-rights\/que-dois-je-faire-si-je-ne-r%C3%A9ussis-pas-%C3%A0-trouver-un\">Programme d&rsquo;acc&egrave;s &agrave; la faillite<\/a>. Ce programme aide les personnes dans votre situation.<\/p>\n<p>Si vous d&eacute;clarez faillite&nbsp;:<\/p>\n<ul>\n<li>vous devez remettre toutes vos cartes de cr&eacute;dit &agrave; votre syndic;<\/li>\n<li>vous devez informer tout pr&ecirc;teur de votre faillite si vous envisagez d&#8217;emprunter plus de 1&nbsp;000&nbsp;$;<\/li>\n<li>vous devez fournir des relev&eacute;s mensuels de vos revenus et d&eacute;penses &agrave; votre syndic;<\/li>\n<li>vous n&rsquo;avez plus &agrave; rembourser vos dettes non garanties;<\/li>\n<li>les poursuites intent&eacute;es contre vous relativement &agrave; vos dettes cesseront.<\/li>\n<\/ul>\n<h3>S&eacute;ances de counseling<\/h3>\n<p>Vous devez participer &agrave; deux s&eacute;ances de counseling financier. Ces s&eacute;ances peuvent &ecirc;tre offertes par votre syndic ou par une personne qu&rsquo;il recommande. Les s&eacute;ances doivent &ecirc;tre anim&eacute;es par un conseiller en insolvabilit&eacute; qualifi&eacute; inscrit aupr&egrave;s du gouvernement et titulaire d&rsquo;une licence.<\/p>\n<p>Ces s&eacute;ances vous aideront &agrave; comprendre d&rsquo;o&ugrave; viennent vos probl&egrave;mes financiers et comment g&eacute;rer votre argent. La premi&egrave;re s&eacute;ance a g&eacute;n&eacute;ralement lieu dans le mois suivant votre d&eacute;claration de faillite, et la deuxi&egrave;me, vers le sixi&egrave;me mois de faillite.<\/p>\n","protected":false},"author":3,"featured_media":0,"template":"","yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.14 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>1. 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