{"id":1171732,"date":"2018-06-22T12:05:07","date_gmt":"2018-06-22T16:05:07","guid":{"rendered":""},"modified":"2023-01-25T16:28:40","modified_gmt":"2023-01-25T21:28:40","slug":"comment-fait-pour-declarer-faillite","status":"publish","type":"questions","link":"https:\/\/stepstojustice.ca\/fr\/questions\/debt-and-consumer-rights\/comment-fait-pour-declarer-faillite\/","title":{"rendered":"Comment fait-on pour d\u00e9clarer faillite?"},"content":{"rendered":"<p>La faillite est une proc\u00e9dure juridique qui ne peut \u00eatre entam\u00e9e qu&#8217;avec l&#8217;aide d&#8217;un syndic autoris\u00e9 en insolvabilit\u00e9.<\/p>\n<p>Un syndic peut\u00a0:<\/p>\n<ul>\n<li>vous aider \u00e0 d\u00e9terminer si la faillite est une bonne option pour vous;<\/li>\n<li>vous parler de vos options autres que la faillite;<\/li>\n<li>vous guider dans le processus de faillite.<\/li>\n<\/ul>\n<p>Si vous d\u00e9cidez de d\u00e9clarer faillite, le syndic pr\u00e9parera tous les documents n\u00e9cessaires. Ce service n&#8217;est pas gratuit. Vous devrez peut-\u00eatre vendre vos avoirs pour couvrir les frais. Vous pouvez d\u00e9sormais d\u00e9poser la plupart des formulaires et documents de faillite en personne ou en ligne \u00e0 l&#8217;aide du <a href=\"\/fr\/resource\/deposer-des-documents-de-faillite-en-ligne\/\" target=\"_blank\" rel=\"noopener\">Portail de soumission en ligne pour les proc\u00e9dures de faillite<\/a>.<\/p>\n<p>Vous pourriez aussi devoir r\u00e9pondre aux questions du Bureau du surintendant des faillites, notamment expliquer pourquoi vous voulez d\u00e9clarer faillite et quels sont vos avoirs et vos dettes.<\/p>\n<p>Avantages de la faillite\u00a0:<\/p>\n<ul>\n<li>Une faillite vous permet de liquider la plupart ou la totalit\u00e9 de vos dettes.<\/li>\n<li>Si c&#8217;est votre premi\u00e8re faillite, vous pourrez \u00ab\u00a0recommencer \u00e0 z\u00e9ro\u00a0\u00bb apr\u00e8s neuf mois. La mention de la faillite figurera toutefois dans votre rapport de solvabilit\u00e9 pendant six ou sept ans apr\u00e8s que vous aurez \u00e9t\u00e9 lib\u00e9r\u00e9 de votre faillite. Vous pourriez avoir de la difficult\u00e9 \u00e0 obtenir un pr\u00eat ou une carte de cr\u00e9dit.<\/li>\n<\/ul>\n<p>Inconv\u00e9nients de la faillite\u00a0:<\/p>\n<ul>\n<li>Vous perdrez toutes vos cartes de cr\u00e9dit.<\/li>\n<li>Vous devrez peut-\u00eatre vendre certains de vos avoirs, dont votre r\u00e9sidence ou votre voiture.<\/li>\n<li>Vous aurez un dossier de faillite public, donc pouvant \u00eatre consult\u00e9 par tous. Vous pourriez avoir de la difficult\u00e9 \u00e0 obtenir un pr\u00eat ou une carte de cr\u00e9dit, ou \u00e0 louer un endroit o\u00f9 vivre.<\/li>\n<\/ul>\n<p>M\u00eame si vous d\u00e9clarez faillite, vous <a href=\"https:\/\/stepstojustice.ca\/fr\/questions\/debt-and-consumer-rights\/est-il-possible-que-je-doive-encore-de-largent-apr%C3%A8s\">pourriez devoir rembourser certaines de vos dettes \u00e0 la fin de votre faillite<\/a>.<\/p>\n<p>Le syndic doit informer vos cr\u00e9anciers et les agences de renseignements sur le consommateur de votre faillite. Une agence de renseignements sur le consommateur est une entreprise qui pr\u00e9pare et conserve des rapports de solvabilit\u00e9. Les deux principales agences au Canada sont <a class=\"links-link ext new-link\" href=\"\/fr\/resource\/transunion-1-1-1-1-1-1\/\" target=\"_blank\" rel=\"noopener\">TransUnion<\/a> et <a class=\"links-link ext new-link\" href=\"\/fr\/resource\/equifax-1-1-1-1-1-1-1\/\" target=\"_blank\" rel=\"noopener\">Equifax<\/a>.<\/p>\n<p>Si vos avoirs valent plus de 15\u00a0000\u00a0$, un avis de faillite sera aussi publi\u00e9 dans le journal local ou dans d&#8217;autres sources d&#8217;information.<\/p>\n<p>N&#8217;importe qui, dont un propri\u00e9taire d&#8217;un logement\u00a0ou un employeur, peut d\u00e9couvrir que vous avez fait faillite s&#8217;il v\u00e9rifie votre cr\u00e9dit ou appelle le Bureau du surintendant des faillites.<\/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-1171732","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 fait-on pour d\u00e9clarer faillite? - Justice pas-\u00e0-pas<\/title>\n<meta name=\"description\" content=\"La faillite est une proc\u00e9dure juridique qui ne peut \u00eatre entam\u00e9e qu&#039;avec l&#039;aide d&#039;un syndic autoris\u00e9 en insolvabilit\u00e9. 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