{"id":1176718,"date":"2021-12-14T14:36:02","date_gmt":"2021-12-14T19:36:02","guid":{"rendered":"https:\/\/stepstojustice.ca\/fr\/?post_type=steps&p=1176718"},"modified":"2021-12-14T14:36:02","modified_gmt":"2021-12-14T19:36:02","slug":"3-consultez-un-conseiller-en-credit-dune-agence-sans-lucratif","status":"publish","type":"steps","link":"https:\/\/stepstojustice.ca\/fr\/steps\/debt-and-consumer-rights\/3-consultez-un-conseiller-en-credit-dune-agence-sans-lucratif\/","title":{"rendered":"3. Consultez un conseiller en cr\u00e9dit d&#8217;une agence sans but lucratif"},"content":{"rendered":"<p>Un conseiller en cr\u00e9dit d&#8217;une agence sans but lucratif pourrait vous aider si vous avez beaucoup de dettes ou si vous avez de la difficult\u00e9 \u00e0 payer vos factures. Vous pourrez discuter de vos options avec lui.<\/p>\n<p>Il peut aussi vous aider si vous avez affaire \u00e0 une agence de recouvrement.<\/p>\n<p>Par exemple, il peut dire \u00e0 l&#8217;agence qu&#8217;il est en train de vous aider \u00e0 mettre sur pied un plan de remboursement.<\/p>\n<p>Il arrive que ce conseiller r\u00e9ussisse \u00e0 convaincre l&#8217;agence de :<\/p>\n<ul>\n<li>vous laisser rembourser un montant inf\u00e9rieur \u00e0 la dette initiale;<\/li>\n<li>diminuer le taux d&#8217;int\u00e9r\u00eat sur votre dette;<\/li>\n<li>vous laisser plus de temps pour rembourser votre dette.<\/li>\n<\/ul>\n<h3>Frais<\/h3>\n<p>Le conseiller en cr\u00e9dit d&#8217;une agence sans but lucratif exige des frais pour ses services, mais il peut les r\u00e9duire ou n&#8217;exiger rien du tout si vous n&#8217;avez pas les moyens de payer.<\/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":"","class_list":["post-1176718","steps","type-steps","status-publish","hentry"],"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>3. 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