{"id":1171699,"date":"2018-08-16T15:45:10","date_gmt":"2018-08-16T19:45:10","guid":{"rendered":""},"modified":"2021-12-14T14:37:33","modified_gmt":"2021-12-14T19:37:33","slug":"une-agence-de-recouvrement-mappelle-dois-je-repondre","status":"publish","type":"questions","link":"https:\/\/stepstojustice.ca\/fr\/questions\/debt-and-consumer-rights\/une-agence-de-recouvrement-mappelle-dois-je-repondre\/","title":{"rendered":"Une agence de recouvrement m&#8217;appelle. Dois-je r\u00e9pondre?"},"content":{"rendered":"<p>Si une agence de recouvrement communique avec vous, ne faites pas la sourde oreille, car les cons\u00e9quences peuvent \u00eatre s\u00e9rieuses. Par exemple, vous pourriez voir votre cote de cr\u00e9dit baisser ou vous faire <a href=\"\/fr\/questions\/tribunals-and-courts\/quelquun-me-poursuit-a-la-cour-des-petites-creances-que\/\">poursuivre en justice<\/a>.<\/p>\n<p>Vous pouvez vous adresser \u00e0 l&#8217;agence en tout temps, mais elle doit suivre des r\u00e8gles \u00e0 propos de quand <a href=\"\/fr\/questions\/debt-and-consumer-rights\/quelles-sont-les-r\u00e8gles-que-les-agences-de-recouvrement-doivent\/\">elle peut communiquer avec vous<\/a>. Elle doit, par exemple, vous envoyer un avis \u00e9crit et attendre au moins <strong>six jours<\/strong> avant de vous appeler ou de vous \u00e9crire par courriel ou autrement.<\/p>\n<h3>Communiquer avec l&#8217;agence<\/h3>\n<p>Lorsque l&#8217;agence de recouvrement tente de communiquer avec vous, t\u00e2chez de la joindre d\u00e8s que possible. Il se peut que vous puissiez \u00e9tablir un plan de remboursement qui ne vous ruinera pas.<\/p>\n<p>Si vous l&#8217;appelez dans un d\u00e9lai de quelques jours, elle pourra peut-\u00eatre att\u00e9nuer les effets de votre endettement sur votre cote de cr\u00e9dit, mais pour que cela soit possible, il vous faudra payer votre dette sans d\u00e9lai.<\/p>\n<p>Une fois qu&#8217;elle a communiqu\u00e9 avec vous, vous devez lui r\u00e9pondre. Sachez toutefois qu&#8217;il existe des moyens de g\u00e9rer vos dettes qui, \u00e0 l&#8217;avenir, pourront vous \u00e9viter d&#8217;avoir affaire \u00e0 une agence.<\/p>\n<h3>Obtenir de l&#8217;aide<\/h3>\n<p>Si vous avez des probl\u00e8mes avec l&#8217;agence de recouvrement, un conseiller en cr\u00e9dit d&#8217;une agence sans but lucratif pourra vous aider. Pour en savoir plus, consultez l&#8217;\u00e9tape\u00a03.<\/p>\n<!-- AddThis Advanced Settings generic via filter on the_content --><!-- AddThis Share Buttons generic via filter on the_content -->","protected":false},"author":3,"featured_media":0,"template":"","legal-topic":[42143,42170],"class_list":["post-1171699","questions","type-questions","status-publish","hentry","legal-topic-debt-and-consumer-rights","legal-topic-collection-agencies"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v23.9 (Yoast SEO v23.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Une agence de recouvrement m&#039;appelle. Dois-je r\u00e9pondre? - Justice pas-\u00e0-pas<\/title>\n<meta name=\"description\" content=\"Si une agence de recouvrement communique avec vous, ne faites pas la sourde oreille, car les cons\u00e9quences peuvent \u00eatre s\u00e9rieuses. 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