{"id":1176931,"date":"2018-06-22T12:33:01","date_gmt":"2018-06-22T16:33:01","guid":{"rendered":""},"modified":"2019-06-13T17:05:51","modified_gmt":"2019-06-13T17:05:51","slug":"5-renseignez-vous-sur-vos-dettes-restantes","status":"publish","type":"steps","link":"https:\/\/stepstojustice.ca\/fr\/steps\/debt-and-consumer-rights\/5-renseignez-vous-sur-vos-dettes-restantes\/","title":{"rendered":"5. Renseignez-vous sur vos dettes restantes"},"content":{"rendered":"<p>Lorsque vous d\u00e9clarez faillite, vous n&#8217;avez plus \u00e0 rembourser la plupart de vos dettes.<\/p>\n<p>Toutefois, ce n&#8217;est pas le cas pour&nbsp;:<\/p>\n<ul>\n<li>les pensions alimentaires du&nbsp;conjoint ou les pensions alimentaires pour&nbsp;enfants;<\/li>\n<li>les amendes impos\u00e9es par le tribunal et les frais judiciaires;<\/li>\n<li>vos pr\u00eats d&#8217;\u00e9tudes gouvernementaux (si vous avez obtenu votre dipl\u00f4me il y a sept ans ou moins);<\/li>\n<li>les dettes garanties qui ont continu\u00e9 de s&#8217;appliquer pendant votre faillite, comme un pr\u00eat hypoth\u00e9caire ou automobile;<\/li>\n<li>les dettes qui d\u00e9coulent d&#8217;une fraude ou d&#8217;un autre acte criminel, comme un vol qualifi\u00e9, une fraude fiscale ou un trafic de stup\u00e9fiants.<\/li>\n<\/ul>\n<p>Si vos dettes entrent dans l&#8217;une de ces cat\u00e9gories, vous pourriez devoir les rembourser m\u00eame si vous avez d\u00e9clar\u00e9 faillite.<\/p>\n<p>Les pr\u00eats d&#8217;\u00e9tudes accord\u00e9s par une institution financi\u00e8re priv\u00e9e sont effac\u00e9s si vous faites faillite, mais pas les pr\u00eats d&#8217;\u00e9tudes gouvernementaux, sauf si vous n&#8217;\u00eates plus aux \u00e9tudes depuis sept ans ou plus.<\/p>\n<p>Si vous avez termin\u00e9 vos \u00e9tudes il y a plus de cinq ans, mais moins que sept, vous pouvez demander \u00e0 un tribunal de vous lib\u00e9rer de votre obligation de rembourser votre pr\u00eat d&#8217;\u00e9tudes gouvernemental pour cause de difficult\u00e9s financi\u00e8res. Si le tribunal refuse, vous devrez rembourser votre pr\u00eat lorsque vous serez lib\u00e9r\u00e9 de votre faillite.<\/p>\n<p>Les dettes garanties ne sont pas effac\u00e9es par une faillite, sauf si vous renoncez aux avoirs grev\u00e9s lorsque vous d\u00e9clarez faillite.<\/p>\n<p>Vous ne pouvez d\u00e9cider d&#8217;inclure vos dettes garanties qu&#8217;au moment o\u00f9 vous d\u00e9clarez faillite. Vous ne pouvez pas changer d&#8217;id\u00e9e par la suite, lorsque les conditions de votre faillite sont fix\u00e9es. Si vous conservez vos biens garantis pendant votre faillite, vous devez faire tous les paiements n\u00e9cessaires.<\/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-1176931","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>5. Renseignez-vous sur vos dettes restantes - Justice pas-\u00e0-pas<\/title>\n<meta name=\"description\" content=\"Lorsque vous d\u00e9clarez faillite, vous n&#039;avez plus \u00e0 rembourser la plupart de vos dettes. 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