{"id":1171736,"date":"2018-06-22T11:15:57","date_gmt":"2018-06-22T15:15:57","guid":{"rendered":""},"modified":"2021-12-13T10:51:37","modified_gmt":"2021-12-13T15:51:37","slug":"quest-ce-quun-syndic-autorise-en-insolvabilite-un-conseiller-en","status":"publish","type":"questions","link":"https:\/\/stepstojustice.ca\/fr\/questions\/debt-and-consumer-rights\/quest-ce-quun-syndic-autorise-en-insolvabilite-un-conseiller-en\/","title":{"rendered":"Qu&#8217;est-ce qu&#8217;un syndic autoris\u00e9 en insolvabilit\u00e9, un conseiller en cr\u00e9dit et une entreprise de r\u00e8glement de dette?"},"content":{"rendered":"<p>Les syndics autoris\u00e9s en insolvabilit\u00e9, les conseillers en cr\u00e9dit et les entreprises de r\u00e8glement de dette donnent tous des conseils financiers, mais sont tr\u00e8s diff\u00e9rents les uns des autres.<\/p>\n<p>Les syndics sont les seuls \u00e0 pouvoir d\u00e9poser une proposition de faillite ou une proposition de consommateur en votre nom. Ils peuvent aussi vous donner des conseils financiers et vous expliquer comment rembourser vos dettes.<\/p>\n<p>Les conseillers en cr\u00e9dit et les entreprises de r\u00e8glement de dette peuvent vous donner des conseils et des renseignements financiers. Ils peuvent aussi vous aider \u00e0 \u00e9tablir un budget et un plan de remboursement, mais ne peuvent pas d\u00e9poser de proposition en votre nom.<\/p>\n<p>Il y a deux cat\u00e9gories de conseillers en cr\u00e9dit\u00a0:<\/p>\n<ul>\n<li>les conseillers en cr\u00e9dit d&#8217;agences sans but lucratif;<\/li>\n<li>les conseillers en cr\u00e9dit d&#8217;agences \u00e0 but lucratif.<\/li>\n<\/ul>\n<p>Les conseillers en cr\u00e9dit d&#8217;agences sans but lucratif vous aident \u00e0 faible co\u00fbt, parfois m\u00eame gratuitement. Les conseillers en cr\u00e9dit d&#8217;agences \u00e0 but lucratif et les entreprises de r\u00e8glement de dette, en revanche, exigent des frais pour leurs services.<\/p>\n<p>Le gouvernement de l&#8217;Ontario fixe les r\u00e8gles que doivent respecter l&#8217;ensemble des conseillers en cr\u00e9dit et des entreprises de r\u00e8glement de dette. Les syndics autoris\u00e9s en insolvabilit\u00e9, eux, sont soumis \u00e0 des r\u00e8gles diff\u00e9rentes.<\/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":[42143,42492,42494,42495,42490],"class_list":["post-1171736","questions","type-questions","status-publish","hentry","legal-topic-debt-and-consumer-rights","legal-topic-bankruptcy","legal-topic-other-options","legal-topic-licensed-insolvency-trustees","legal-topic-debt-and-money-problems"],"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>Qu&#039;est-ce qu&#039;un syndic autoris\u00e9 en insolvabilit\u00e9, un conseiller en cr\u00e9dit et une entreprise de r\u00e8glement de dette? - Justice pas-\u00e0-pas<\/title>\n<meta name=\"description\" content=\"Les 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