{"id":1176723,"date":"2018-08-16T16:16:56","date_gmt":"2018-08-16T20:16:56","guid":{"rendered":""},"modified":"2021-12-14T14:47:56","modified_gmt":"2021-12-14T19:47:56","slug":"3-ecrivez-une-lettre-pour-contester-la-dette","status":"publish","type":"steps","link":"https:\/\/stepstojustice.ca\/fr\/steps\/debt-and-consumer-rights\/3-ecrivez-une-lettre-pour-contester-la-dette\/","title":{"rendered":"3. \u00c9crivez une lettre pour contester la dette"},"content":{"rendered":"<p>Si l&#8217;agence de recouvrement continue de vous r\u00e9clamer l&#8217;argent apr\u00e8s s&#8217;\u00eatre fait dire que vous ne devez rien, envoyez-lui une <a class=\"links-link ext new-link\" href=\"\/fr\/resource\/registered-mail-domestic\/\" target=\"_blank\" rel=\"noopener\">lettre recommand\u00e9e<\/a> (lien externe).<\/p>\n<p>Ne faites cette d\u00e9marche que si vous\u00a0:<\/p>\n<ul>\n<li>savez que vous ne lui devez rien, et<\/li>\n<li>avez tent\u00e9 de r\u00e9gler le probl\u00e8me par d&#8217;autres moyens.<\/li>\n<\/ul>\n<p>Dans la lettre, dites que vous \u00ab\u00a0contestez la dette\u00a0\u00bb et que vous souhaitez vous adresser \u00e0 un tribunal.<\/p>\n<p>Indiquez la date sur chaque lettre que vous envoyez et conservez-en toujours une copie.<\/p>\n<h3>Communication de l&#8217;agence de recouvrement<\/h3>\n<p>Une fois la lettre recommand\u00e9e envoy\u00e9e, l&#8217;agence n&#8217;a plus le droit de communiquer avec vous \u00e0 propos de la dette, sauf si vous lui permettez de le faire.<\/p>\n<p>Toutefois, la loi oblige l&#8217;agence \u00e0 communiquer avec vous avant d&#8217;intenter une action contre vous. Elle doit vous aviser m\u00eame si vous ne lui avez pas dit qu&#8217;elle pouvait le faire.<\/p>\n<p>Par exemple, si l&#8217;agence pr\u00e9voit vous poursuivre \u00e0 la Cour des petites cr\u00e9ances, elle doit vous indiquer\u00a0:l<\/p>\n<ul>\n<li>les raisons de cette poursuite;<\/li>\n<li>les renseignements qu&#8217;elle poss\u00e8de \u00e0 l&#8217;appui de ces raisons.<\/li>\n<\/ul>\n<p>Tandis qu&#8217;elle vous poursuit, l&#8217;agence peut tenter de recouvrer d&#8217;autres dettes que vous n&#8217;avez pas contest\u00e9es.<\/p>\n<h3>V\u00e9rifiez votre rapport de solvabilit\u00e9<\/h3>\n<p>Quelques semaines apr\u00e8s avoir envoy\u00e9 votre lettre recommand\u00e9e \u00e0 l&#8217;agence, <a href=\"\/fr\/questions\/debt-and-consumer-rights\/il-y-une-erreur-dans-mon-rapport-de-solvabilit\u00e9-que\/\">v\u00e9rifiez votre rapport de solvabilit\u00e9<\/a> pour vous assurer que votre dette n&#8217;existe plus.<\/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-1176723","steps","type-steps","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v23.9 (Yoast SEO v23.9) - 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