{"id":1176922,"date":"2018-06-22T12:07:29","date_gmt":"2018-06-22T16:07:29","guid":{"rendered":""},"modified":"2021-12-13T14:47:27","modified_gmt":"2021-12-13T19:47:27","slug":"1-rencontrez-un-syndic-autorise-en-insolvabilite","status":"publish","type":"steps","link":"https:\/\/stepstojustice.ca\/fr\/steps\/debt-and-consumer-rights\/1-rencontrez-un-syndic-autorise-en-insolvabilite\/","title":{"rendered":"1. Rencontrez un syndic autoris\u00e9 en insolvabilit\u00e9"},"content":{"rendered":"<p>En Ontario, les syndics autoris\u00e9s en insolvabilit\u00e9 doivent avoir une licence d\u00e9livr\u00e9e par le gouvernement f\u00e9d\u00e9ral pour pouvoir d\u00e9poser des dossiers de faillite. Pour trouver un syndic, consultez le <a class=\"links-link ext new-link\" href=\"\/fr\/resource\/find-an-active-licensed-insolvency-trustee\/\" target=\"_blank\" rel=\"noopener\">site Web du gouvernement du Canada<\/a>.<\/p>\n<p>Votre premi\u00e8re rencontre avec un syndic est g\u00e9n\u00e9ralement gratuite. Toutefois, si vous d\u00e9cidez de d\u00e9clarer faillite, vous devez payer les services du syndic ou vendre vos avoirs pour couvrir ses frais.<\/p>\n<p>Si vous n&#8217;arrivez pas \u00e0 trouver un syndic ou si vous n&#8217;avez pas les moyens de payer les frais habituels, vous pourriez \u00eatre admissible au <a href=\"\/fr\/questions\/debt-and-consumer-rights\/que-dois-je-faire-si-je-ne-reussis-pas-a-trouver-ou-nai-pas-les\/\">Programme d&#8217;acc\u00e8s \u00e0 la faillite<\/a>. Ce programme aide les personnes dans votre situation.<\/p>\n<p>Si vous d\u00e9clarez faillite\u00a0:<\/p>\n<ul>\n<li>vous devez remettre toutes vos cartes de cr\u00e9dit \u00e0 votre syndic;<\/li>\n<li>vous devez informer tout pr\u00eateur de votre faillite si vous envisagez d&#8217;emprunter plus de 1\u00a0000\u00a0$;<\/li>\n<li>vous devez fournir des relev\u00e9s mensuels de vos revenus et d\u00e9penses \u00e0 votre syndic;<\/li>\n<li>vous n&#8217;avez plus \u00e0 rembourser vos dettes non garanties;<\/li>\n<li>les poursuites intent\u00e9es contre vous relativement \u00e0 vos dettes cesseront.<\/li>\n<\/ul>\n<h3>S\u00e9ances de counseling<\/h3>\n<p>Vous devez participer \u00e0 deux s\u00e9ances de counseling financier. Ces s\u00e9ances peuvent \u00eatre offertes par votre syndic ou par une personne qu&#8217;il recommande. Les s\u00e9ances doivent \u00eatre anim\u00e9es par un conseiller en insolvabilit\u00e9 qualifi\u00e9 inscrit aupr\u00e8s du gouvernement et titulaire d&#8217;une licence.<\/p>\n<p>Ces s\u00e9ances vous aideront \u00e0 comprendre d&#8217;o\u00f9 viennent vos probl\u00e8mes financiers et comment g\u00e9rer votre argent. La premi\u00e8re s\u00e9ance a g\u00e9n\u00e9ralement lieu dans le mois suivant votre d\u00e9claration de faillite, et la deuxi\u00e8me, vers le sixi\u00e8me mois de faillite.<\/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-1176922","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>1. 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