{"id":1176938,"date":"2018-06-22T11:20:38","date_gmt":"2018-06-22T15:20:38","guid":{"rendered":""},"modified":"2026-01-21T15:05:44","modified_gmt":"2026-01-21T20:05:44","slug":"renseignez-vous-sur-le-travail-des-conseillers-en-credit-dagences-sans-lucratif","status":"publish","type":"steps","link":"https:\/\/stepstojustice.ca\/fr\/steps\/debt-and-consumer-rights\/renseignez-vous-sur-le-travail-des-conseillers-en-credit-dagences-sans-lucratif\/","title":{"rendered":"3. Renseignez-vous sur le travail des conseillers en cr\u00e9dit d&#8217;agences sans but lucratif"},"content":{"rendered":"<p>Les conseillers en cr\u00e9dit d&#8217;agences sans but lucratif et les conseillers en cr\u00e9dit d&#8217;agences \u00e0 but lucratif offrent des services semblables. Ils\u00a0:<\/p>\n<ul>\n<li>vous conseilleront sur votre situation financi\u00e8re;<\/li>\n<li>parleront \u00e0 vos cr\u00e9anciers afin de mettre en place un plan;<\/li>\n<li>vous aideront \u00e0 n\u00e9gocier vos versements mensuels et les int\u00e9r\u00eats;<\/li>\n<li>vous aideront \u00e0 planifier vos finances pour \u00e9viter l&#8217;endettement \u00e0 l&#8217;avenir.<\/li>\n<\/ul>\n<p>Les conseillers en cr\u00e9dit d&#8217;agences \u00e0 but lucratif exigent des frais standard qui peuvent \u00eatre \u00e9lev\u00e9s. Les conseillers en cr\u00e9dit d&#8217;agences sans but lucratif, eux, doivent respecter un code de d\u00e9ontologie qui vous prot\u00e8ge. Les conseillers en cr\u00e9dit d&#8217;agences sans but lucratif acceptent souvent de baisser leurs tarifs et peuvent m\u00eame, \u00e0 l&#8217;occasion, offrir leurs services gratuitement.<\/p>\n<p>Tous les conseillers en cr\u00e9dit d&#8217;agences sans but lucratif sont membres de l&#8217;une ou l&#8217;autre des associations suivantes\u00a0:<\/p>\n<ul>\n<li><a class=\"links-link ext new-link\" href=\"\/fr\/resource\/trouver-un-conseiller-en-cr-dit-membre-de-l-ontario-association-of-credit-counselling-services-disponible-en-anglais-seulement\/\" target=\"_blank\" rel=\"noopener\">Canadian Association of Credit Counselling<\/a>\u00a0(disponible en anglais seulement);<\/li>\n<li><a class=\"links-link ext new-link\" href=\"\/fr\/resource\/credit-counselling-canada-1\/\" target=\"_blank\" rel=\"noopener\">Conseil en cr\u00e9dit du Canada<\/a>.<\/li>\n<\/ul>\n<p>Vous pouvez communiquer avec ces associations pour trouver un conseiller en cr\u00e9dit d&#8217;une agence sans but lucratif pr\u00e8s de chez vous. Si un conseiller n&#8217;est membre d&#8217;aucune de ces associations, il n&#8217;est pas agr\u00e9\u00e9, donc il pourrait ne pas respecter le code de d\u00e9ontologie.<\/p>\n<p>Si vous d\u00e9cidez de recourir aux services d&#8217;un conseiller en cr\u00e9dit d&#8217;une agence \u00e0 but lucratif, assurez-vous d&#8217;accepter de payer uniquement pour les services que vous pouvez vous permettre. V\u00e9rifiez bien le contrat pour voir s&#8217;il fait \u00e9tat de frais suppl\u00e9mentaires et pour conna\u00eetre le taux d&#8217;int\u00e9r\u00eat des paiements en retard.<\/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-1176938","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. Renseignez-vous sur le travail des conseillers en cr\u00e9dit d&#039;agences sans but lucratif - Justice pas-\u00e0-pas<\/title>\n<meta name=\"description\" content=\"Les conseillers en cr\u00e9dit d&#039;agences sans but lucratif et les conseillers en cr\u00e9dit d&#039;agences \u00e0 but lucratif offrent des services semblables. 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