{"id":1171760,"date":"2018-06-22T14:07:23","date_gmt":"2018-06-22T18:07:23","guid":{"rendered":""},"modified":"2022-11-04T14:18:47","modified_gmt":"2022-11-04T18:18:47","slug":"jai-embauche-une-agence-de-redressement-de-credit-et-jai-des","status":"publish","type":"questions","link":"https:\/\/stepstojustice.ca\/fr\/questions\/debt-and-consumer-rights\/jai-embauche-une-agence-de-redressement-de-credit-et-jai-des\/","title":{"rendered":"J&#8217;ai embauch\u00e9 une agence de redressement de cr\u00e9dit, et j&#8217;ai des probl\u00e8mes avec elle. Que puis-je faire?"},"content":{"rendered":"<p>Les agences de redressement de cr\u00e9dit promettent de \u00ab\u00a0remettre en \u00e9tat\u00a0\u00bb ou de \u00ab\u00a0r\u00e9tablir\u00a0\u00bb votre cote de solvabilit\u00e9 moyennant des frais. Elles peuvent notamment v\u00e9rifier votre rapport de solvabilit\u00e9 pour voir s&#8217;il est erron\u00e9 et, si c&#8217;est le cas, demander \u00e0 ce qu&#8217;il soit corrig\u00e9. Sachez toutefois qu&#8217;en ce qui concerne la <a href=\"https:\/\/stepstojustice.ca\/fr\/questions\/debt-and-consumer-rights\/il-y-une-erreur-dans-mon-rapport-de-solvabilit%C3%A9-que\">correction de votre rapport de solvabilit\u00e9<\/a>, elles n&#8217;ont pas plus de pouvoir que vous.<\/p>\n<p>Elles pourraient aussi vous proposer un pr\u00eat ou une carte de cr\u00e9dit \u00e0 taux d&#8217;int\u00e9r\u00eat \u00e9lev\u00e9 pour vous aider \u00e0 rembourser vos dettes. Cela pourrait am\u00e9liorer votre cote de cr\u00e9dit, mais vous co\u00fbtera de l&#8217;argent et <a href=\"https:\/\/stepstojustice.ca\/fr\/questions\/debt-and-consumer-rights\/jai-de-la-difficult%C3%A9-%C3%A0-g%C3%A9rer-mes-dettes-o%C3%B9-puis-je\">contribuera encore plus \u00e0 votre endettement<\/a>.<\/p>\n<h3>Annuler l&#8217;entente<\/h3>\n<p>Si vous avez re\u00e7u dans les 10\u00a0derniers jours votre copie de l&#8217;entente conclue avec une agence de cr\u00e9dit, vous pouvez annuler cette entente sans justification. Cette p\u00e9riode de 10\u00a0jours s&#8217;appelle le \u00ab\u00a0d\u00e9lai de r\u00e9flexion\u00a0\u00bb.<\/p>\n<p>Vous pouvez aussi l&#8217;annuler dans l&#8217;ann\u00e9e suivant sa signature si\u00a0:<\/p>\n<ul>\n<li>l&#8217;agence de redressement de cr\u00e9dit ne vous en a pas remis de copie;<\/li>\n<li>elle ne contient pas l&#8217;information exig\u00e9e par la loi.<\/li>\n<\/ul>\n<p>Vous devez informer l&#8217;agence par \u00e9crit de votre intention d&#8217;annuler l&#8217;entente. Si l&#8217;entente est annul\u00e9e, l&#8217;agence doit vous rembourser tout ce que vous lui avez pay\u00e9.<\/p>\n<p>Si vous avez vers\u00e9 de l&#8217;argent \u00e0 l&#8217;agence avant qu&#8217;elle ne fasse quoi que ce soit pour vous et que vous voulez r\u00e9cup\u00e9rer cet argent, vous pouvez demander un remboursement. La loi interdit \u00e0 l&#8217;agence de demander des frais avant de commencer son travail. Elle doit vous rembourser dans les 15\u00a0jours suivant votre demande.<\/p>\n<p>Si vous voulez <a href=\"https:\/\/stepstojustice.ca\/fr\/questions\/debt-and-consumer-rights\/comment-puis-je-porter-plainte-au-minist%C3%A8re-des\">porter plainte contre une agence de redressement de cr\u00e9dit<\/a>, communiquez avec le <a class=\"links-link ext new-link\" href=\"\/fr\/resource\/minist-re-des-services-gouvernementaux-et-des-services-aux-consommateurs-de-l-ontario\/\" target=\"_blank\" rel=\"noopener\">minist\u00e8re des Services au public et aux entreprises<\/a>. Pour porter plainte, vous pouvez utiliser le formulaire qui se trouve sur le site du Minist\u00e8re.<\/p>\n<p>&nbsp;<\/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":[42143,42171],"class_list":["post-1171760","questions","type-questions","status-publish","hentry","legal-topic-debt-and-consumer-rights","legal-topic-credit-reports-and-repair"],"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>J&#039;ai embauch\u00e9 une agence de redressement de cr\u00e9dit, et j&#039;ai des probl\u00e8mes avec elle. Que puis-je faire? - Justice pas-\u00e0-pas<\/title>\n<meta name=\"description\" content=\"Les agences de redressement de cr\u00e9dit promettent de \u00ab\u00a0remettre en \u00e9tat\u00a0\u00bb ou de \u00ab\u00a0r\u00e9tablir\u00a0\u00bb votre cote de solvabilit\u00e9 moyennant des frais. Elles peuvent\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/stepstojustice.ca\/fr\/questions\/debt-and-consumer-rights\/jai-embauche-une-agence-de-redressement-de-credit-et-jai-des\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"J&#039;ai embauch\u00e9 une agence de redressement de cr\u00e9dit, et j&#039;ai des probl\u00e8mes avec elle. 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