{"id":1171731,"date":"2018-06-22T12:18:45","date_gmt":"2018-06-22T16:18:45","guid":{"rendered":""},"modified":"2021-12-13T14:49:40","modified_gmt":"2021-12-13T19:49:40","slug":"comment-puis-je-etre-libere-de-ma-faillite","status":"publish","type":"questions","link":"https:\/\/stepstojustice.ca\/fr\/questions\/debt-and-consumer-rights\/comment-puis-je-etre-libere-de-ma-faillite\/","title":{"rendered":"Comment puis-je \u00eatre lib\u00e9r\u00e9 de ma faillite?"},"content":{"rendered":"<p>Vous \u00eates lib\u00e9r\u00e9 de votre faillite lorsque vous obtenez une ordonnance qui pr\u00e9cise que vous n&#8217;avez plus \u00e0 rembourser la plupart de vos dettes. Ces dettes seront effac\u00e9es, et vous n&#8217;aurez plus \u00e0 payer la majorit\u00e9 de vos cr\u00e9anciers. Une lib\u00e9ration met fin \u00e0 la faillite.<\/p>\n<p>Parfois, la lib\u00e9ration se fait d&#8217;office. Dans d&#8217;autres cas, il faut s&#8217;adresser au tribunal. Mais pour la plupart des premi\u00e8res faillites, le failli est lib\u00e9r\u00e9 d&#8217;office.<\/p>\n<p>Dans le cas d&#8217;une premi\u00e8re faillite, le failli peut \u00eatre lib\u00e9r\u00e9 d&#8217;office\u00a0:<\/p>\n<ul>\n<li>apr\u00e8s neuf mois, s&#8217;il n&#8217;a aucun <a href=\"\/fr\/questions\/debt-and-consumer-rights\/quest-ce-quun-paiement-de-revenu-excedentaire\/\">paiement de revenu exc\u00e9dentaire<\/a> \u00e0 faire;<\/li>\n<li>apr\u00e8s 21\u00a0mois, s&#8217;il doit faire des paiements de revenu exc\u00e9dentaire.<\/li>\n<\/ul>\n<p>Si une personne d\u00e9clare faillite pour la deuxi\u00e8me fois, elle sera lib\u00e9r\u00e9e d&#8217;office apr\u00e8s 24\u00a0mois. Si une personne fait des paiements de revenu exc\u00e9dentaire et qu&#8217;elle n&#8217;en est pas \u00e0 sa premi\u00e8re faillite, elle ne sera pas lib\u00e9r\u00e9e avant au moins 36\u00a0mois.<\/p>\n<p>Tant qu&#8217;il n&#8217;est pas lib\u00e9r\u00e9, le failli doit rembourser ses cr\u00e9anciers.<\/p>\n<h3>Apr\u00e8s une lib\u00e9ration<\/h3>\n<p>Lorsque vous serez lib\u00e9r\u00e9 de votre faillite, la cote de cr\u00e9dit qui vous sera attribu\u00e9e sera R9, c&#8217;est-\u00e0-dire la pire cote possible. Vous conserverez cette cote pendant six ans si c&#8217;est votre premi\u00e8re faillite, et pendant 14\u00a0ans si c&#8217;est votre deuxi\u00e8me.<\/p>\n<p>Avec une cote\u00a0R9, vous pourriez avoir de la difficult\u00e9 \u00e0 obtenir un pr\u00eat hypoth\u00e9caire ou une carte de cr\u00e9dit. Par exemple, plut\u00f4t que de vous accorder une carte de cr\u00e9dit ordinaire, votre banque pourrait vous offrir une carte pr\u00e9pay\u00e9e ou vous accorder une carte pourvu que vous greviez des biens. Vous pourriez aussi avoir de la difficult\u00e9 \u00e0 obtenir d&#8217;autres types de pr\u00eats, ou m\u00eame un bon taux d&#8217;int\u00e9r\u00eat.<\/p>\n<p>Pour une premi\u00e8re faillite, les d\u00e9tails de la faillite demeurent dans le rapport de solvabilit\u00e9 du failli pendant six ou sept ans. Le failli perd sa cote de solvabilit\u00e9 et sa cote de cr\u00e9dit, et aucun ant\u00e9c\u00e9dent de cr\u00e9dit ne figure dans son rapport de solvabilit\u00e9.<\/p>\n<p>Apr\u00e8s cette p\u00e9riode, le failli devra r\u00e9tablir sa r\u00e9putation de cr\u00e9dit, par exemple en ouvrant un compte bancaire et en obtenant une carte de cr\u00e9dit. Il doit utiliser sa carte avec vigilance, pour ne pas s&#8217;endetter de nouveau.<\/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":[42143,42492,42493],"class_list":["post-1171731","questions","type-questions","status-publish","hentry","legal-topic-debt-and-consumer-rights","legal-topic-bankruptcy","legal-topic-bankruptcy-process"],"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>Comment puis-je \u00eatre lib\u00e9r\u00e9 de ma faillite? - Justice pas-\u00e0-pas<\/title>\n<meta name=\"description\" content=\"Vous \u00eates lib\u00e9r\u00e9 de votre faillite lorsque vous obtenez une ordonnance qui pr\u00e9cise que vous n&#039;avez plus \u00e0 rembourser la plupart de vos dettes. 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