{"id":1176905,"date":"2018-06-22T10:34:17","date_gmt":"2018-06-22T14:34:17","guid":{"rendered":""},"modified":"2026-01-21T15:14:17","modified_gmt":"2026-01-21T20:14:17","slug":"comprenez-le-contrat","status":"publish","type":"steps","link":"https:\/\/stepstojustice.ca\/fr\/steps\/debt-and-consumer-rights\/comprenez-le-contrat\/","title":{"rendered":"3. Comprenez le contrat"},"content":{"rendered":"<p>Les entreprises de r\u00e8glement de dette et les conseillers en cr\u00e9dit doivent vous remettre un contrat \u00e9crit qui contient\u00a0:<\/p>\n<ul>\n<li>le nom et l&#8217;adresse de l&#8217;entreprise;<\/li>\n<li>la date du contrat;<\/li>\n<li>une liste de tous les services qui seront fournis;<\/li>\n<li>un calendrier des dates de versement ou la date du paiement unique, selon le cas;<\/li>\n<li>les dates auxquelles ils communiqueront avec vos cr\u00e9anciers pour discuter du plan;<\/li>\n<li>une mention du paiement que pourrait recevoir l&#8217;agence de recouvrement de la part de votre cr\u00e9ancier pour le r\u00e8glement de vos dettes;<\/li>\n<li>la p\u00e9riode de prestation des services, qui ne doit pas d\u00e9passer 18\u00a0mois;<\/li>\n<li>la somme que vous leur verserez \u2013 cette somme ne peut repr\u00e9senter plus de 10\u00a0% de la dette totale que vous r\u00e9glez.<\/li>\n<\/ul>\n<p>Il est important que vous compreniez votre contrat. M\u00eame si les r\u00e8gles vous prot\u00e8gent en quelque sorte, certaines entreprises pourraient malgr\u00e9 tout essayer de profiter de vous. En cas de doute, posez des questions.<\/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-1176905","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. Comprenez le contrat - Justice pas-\u00e0-pas<\/title>\n<meta name=\"description\" content=\"Les entreprises de r\u00e8glement de dette et les conseillers en cr\u00e9dit doivent vous remettre un contrat \u00e9crit qui contient\u00a0: le nom et l&#039;adresse de\" \/>\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\/steps\/debt-and-consumer-rights\/comprenez-le-contrat\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"3. Comprenez le contrat - Justice pas-\u00e0-pas\" \/>\n<meta property=\"og:description\" content=\"Les entreprises de r\u00e8glement de dette et les conseillers en cr\u00e9dit doivent vous remettre un contrat \u00e9crit qui contient\u00a0: le nom et l&#039;adresse de\" \/>\n<meta property=\"og:url\" content=\"https:\/\/stepstojustice.ca\/fr\/steps\/debt-and-consumer-rights\/comprenez-le-contrat\/\" \/>\n<meta property=\"og:site_name\" content=\"Justice pas-\u00e0-pas\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/CLEOLegalRights\/\" \/>\n<meta property=\"article:modified_time\" content=\"2026-01-21T20:14:17+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/stepstojustice.ca\/wp-content\/uploads\/Steps-to-Justice-logo.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"650\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@CLEOLegalRights\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/stepstojustice.ca\/fr\/steps\/debt-and-consumer-rights\/comprenez-le-contrat\/\",\"url\":\"https:\/\/stepstojustice.ca\/fr\/steps\/debt-and-consumer-rights\/comprenez-le-contrat\/\",\"name\":\"3. Comprenez le contrat - Justice pas-\u00e0-pas\",\"isPartOf\":{\"@id\":\"https:\/\/stepstojustice.ca\/fr\/#website\"},\"datePublished\":\"2018-06-22T14:34:17+00:00\",\"dateModified\":\"2026-01-21T20:14:17+00:00\",\"description\":\"Les entreprises de r\u00e8glement de dette et les conseillers en cr\u00e9dit doivent vous remettre un contrat \u00e9crit qui contient\u00a0: le nom et l'adresse de\",\"breadcrumb\":{\"@id\":\"https:\/\/stepstojustice.ca\/fr\/steps\/debt-and-consumer-rights\/comprenez-le-contrat\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/stepstojustice.ca\/fr\/steps\/debt-and-consumer-rights\/comprenez-le-contrat\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/stepstojustice.ca\/fr\/steps\/debt-and-consumer-rights\/comprenez-le-contrat\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/stepstojustice.ca\/fr\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Next steps\",\"item\":\"https:\/\/stepstojustice.ca\/fr\/steps\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"3. Comprenez le contrat\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/stepstojustice.ca\/fr\/#website\",\"url\":\"https:\/\/stepstojustice.ca\/fr\/\",\"name\":\"Justice pas-\u00e0-pas\",\"description\":\"Step-by-step information about legal problems\",\"publisher\":{\"@id\":\"https:\/\/stepstojustice.ca\/fr\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/stepstojustice.ca\/fr\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/stepstojustice.ca\/fr\/#organization\",\"name\":\"Justice pas-\u00e0-pas\",\"url\":\"https:\/\/stepstojustice.ca\/fr\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/stepstojustice.ca\/fr\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/stepstojustice.ca\/wp-content\/uploads\/2020\/10\/logo-s2j.png\",\"contentUrl\":\"https:\/\/stepstojustice.ca\/wp-content\/uploads\/2020\/10\/logo-s2j.png\",\"width\":1000,\"height\":146,\"caption\":\"Justice pas-\u00e0-pas\"},\"image\":{\"@id\":\"https:\/\/stepstojustice.ca\/fr\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/CLEOLegalRights\/\",\"https:\/\/x.com\/CLEOLegalRights\",\"https:\/\/www.instagram.com\/communitylegaleducationon\/\"]}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"3. Comprenez le contrat - Justice pas-\u00e0-pas","description":"Les entreprises de r\u00e8glement de dette et les conseillers en cr\u00e9dit doivent vous remettre un contrat \u00e9crit qui contient\u00a0: le nom et l'adresse de","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/stepstojustice.ca\/fr\/steps\/debt-and-consumer-rights\/comprenez-le-contrat\/","og_locale":"fr_FR","og_type":"article","og_title":"3. Comprenez le contrat - Justice pas-\u00e0-pas","og_description":"Les entreprises de r\u00e8glement de dette et les conseillers en cr\u00e9dit doivent vous remettre un contrat \u00e9crit qui contient\u00a0: le nom et l'adresse de","og_url":"https:\/\/stepstojustice.ca\/fr\/steps\/debt-and-consumer-rights\/comprenez-le-contrat\/","og_site_name":"Justice pas-\u00e0-pas","article_publisher":"https:\/\/www.facebook.com\/CLEOLegalRights\/","article_modified_time":"2026-01-21T20:14:17+00:00","og_image":[{"width":1200,"height":650,"url":"https:\/\/stepstojustice.ca\/wp-content\/uploads\/Steps-to-Justice-logo.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_site":"@CLEOLegalRights","twitter_misc":{"Est. reading time":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/stepstojustice.ca\/fr\/steps\/debt-and-consumer-rights\/comprenez-le-contrat\/","url":"https:\/\/stepstojustice.ca\/fr\/steps\/debt-and-consumer-rights\/comprenez-le-contrat\/","name":"3. Comprenez le contrat - Justice pas-\u00e0-pas","isPartOf":{"@id":"https:\/\/stepstojustice.ca\/fr\/#website"},"datePublished":"2018-06-22T14:34:17+00:00","dateModified":"2026-01-21T20:14:17+00:00","description":"Les entreprises de r\u00e8glement de dette et les conseillers en cr\u00e9dit doivent vous remettre un contrat \u00e9crit qui contient\u00a0: le nom et l'adresse de","breadcrumb":{"@id":"https:\/\/stepstojustice.ca\/fr\/steps\/debt-and-consumer-rights\/comprenez-le-contrat\/#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/stepstojustice.ca\/fr\/steps\/debt-and-consumer-rights\/comprenez-le-contrat\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/stepstojustice.ca\/fr\/steps\/debt-and-consumer-rights\/comprenez-le-contrat\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/stepstojustice.ca\/fr\/"},{"@type":"ListItem","position":2,"name":"Next steps","item":"https:\/\/stepstojustice.ca\/fr\/steps\/"},{"@type":"ListItem","position":3,"name":"3. Comprenez le contrat"}]},{"@type":"WebSite","@id":"https:\/\/stepstojustice.ca\/fr\/#website","url":"https:\/\/stepstojustice.ca\/fr\/","name":"Justice pas-\u00e0-pas","description":"Step-by-step information about legal problems","publisher":{"@id":"https:\/\/stepstojustice.ca\/fr\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/stepstojustice.ca\/fr\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Organization","@id":"https:\/\/stepstojustice.ca\/fr\/#organization","name":"Justice pas-\u00e0-pas","url":"https:\/\/stepstojustice.ca\/fr\/","logo":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/stepstojustice.ca\/fr\/#\/schema\/logo\/image\/","url":"https:\/\/stepstojustice.ca\/wp-content\/uploads\/2020\/10\/logo-s2j.png","contentUrl":"https:\/\/stepstojustice.ca\/wp-content\/uploads\/2020\/10\/logo-s2j.png","width":1000,"height":146,"caption":"Justice pas-\u00e0-pas"},"image":{"@id":"https:\/\/stepstojustice.ca\/fr\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/CLEOLegalRights\/","https:\/\/x.com\/CLEOLegalRights","https:\/\/www.instagram.com\/communitylegaleducationon\/"]}]}},"meta_box":{"questions_to_steps_from":["1171740"]},"_links":{"self":[{"href":"https:\/\/stepstojustice.ca\/fr\/wp-json\/wp\/v2\/steps\/1176905","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/stepstojustice.ca\/fr\/wp-json\/wp\/v2\/steps"}],"about":[{"href":"https:\/\/stepstojustice.ca\/fr\/wp-json\/wp\/v2\/types\/steps"}],"author":[{"embeddable":true,"href":"https:\/\/stepstojustice.ca\/fr\/wp-json\/wp\/v2\/users\/3"}],"version-history":[{"count":1,"href":"https:\/\/stepstojustice.ca\/fr\/wp-json\/wp\/v2\/steps\/1176905\/revisions"}],"predecessor-version":[{"id":1276246,"href":"https:\/\/stepstojustice.ca\/fr\/wp-json\/wp\/v2\/steps\/1176905\/revisions\/1276246"}],"wp:attachment":[{"href":"https:\/\/stepstojustice.ca\/fr\/wp-json\/wp\/v2\/media?parent=1176905"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}