{"id":1176936,"date":"2018-06-22T12:03:48","date_gmt":"2018-06-22T16:03:48","guid":{"rendered":""},"modified":"2018-09-07T15:02:55","modified_gmt":"2018-09-07T15:02:55","slug":"3-\u00e9tablissez-un-plan-de-remboursement","status":"publish","type":"steps","link":"https:\/\/stepstojustice.ca\/fr\/steps\/debt-and-consumer-rights\/3-\u00e9tablissez-un-plan-de-remboursement\/","title":{"rendered":"3. \u00c9tablissez un plan de remboursement"},"content":{"rendered":"<p>Si vous devez rembourser une dette apr\u00e8s votre faillite, vous devrez \u00e9tablir un plan de remboursement. Vous pouvez, par exemple, discuter avec vos cr\u00e9anciers d&#8217;un plan de remboursement mensuel et convenir de rembourser la somme due sur une p\u00e9riode donn\u00e9e.<\/p>\n<p>G\u00e9n\u00e9ralement, si vous mettez en place un plan de remboursement&nbsp;:<\/p>\n<ul>\n<li>vos cr\u00e9anciers exigent un taux d&#8217;int\u00e9r\u00eat moins \u00e9lev\u00e9, voire pas d&#8217;int\u00e9r\u00eat du tout;<\/li>\n<li>celui-ci devra durer au plus cinq ans;<\/li>\n<li>vous devrez faire un budget;<\/li>\n<li>vos cr\u00e9anciers arr\u00eateront de vous appeler pour r\u00e9cup\u00e9rer leur argent.<\/li>\n<\/ul>\n<p>Si vous \u00e9tablissez un tel plan, il figurera dans votre rapport de solvabilit\u00e9 pendant les deux ann\u00e9es suivant le remboursement complet de vos dettes. Apr\u00e8s cette p\u00e9riode, personne ne pourra savoir que vous avez \u00e9tabli un plan pour rembourser vos dettes.<\/p>\n<p>Vous pouvez g\u00e9rer vous-m\u00eame votre plan, ou un conseiller en cr\u00e9dit d&#8217;une agence sans but lucratif peut le faire pour vous, moyennant des frais peu \u00e9lev\u00e9s.<\/p>\n<h3>Dettes garanties<\/h3>\n<p>Une dette garantie est une dette pour laquelle vous avez grev\u00e9 un bien, qui sert d&#8217;assurance remboursement.<\/p>\n<p>La maison hypoth\u00e9qu\u00e9e et l&#8217;automobile faisant l&#8217;objet d&#8217;un pr\u00eat sont des exemples de biens grev\u00e9s. Si vous ne pouvez pas rembourser votre pr\u00eat, le pr\u00eateur peut faire saisir votre r\u00e9sidence ou votre voiture pour couvrir une partie ou la totalit\u00e9 des sommes dues.<\/p>\n<p>Si vous ne pouvez pas rembourser une dette garantie, vous pouvez l&#8217;inclure dans votre faillite en renon\u00e7ant au bien grev\u00e9. Le cr\u00e9ancier garanti sera rembours\u00e9 \u00e0 l&#8217;aide du produit de la vente du bien grev\u00e9. Si la vente ne permet pas le remboursement complet de votre dette, le montant qu&#8217;il vous reste \u00e0 rembourser sera ajout\u00e9 \u00e0 vos autres dettes non garanties.<\/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-1176936","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. \u00c9tablissez un plan de remboursement - Justice pas-\u00e0-pas<\/title>\n<meta name=\"description\" content=\"Si vous devez rembourser une dette apr\u00e8s votre faillite, vous devrez \u00e9tablir un plan de remboursement. 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