{"id":1176940,"date":"2018-06-22T11:25:48","date_gmt":"2018-06-22T15:25:48","guid":{"rendered":""},"modified":"2026-01-21T15:04:37","modified_gmt":"2026-01-21T20:04:37","slug":"etablissez-un-plan-pour-embourser-vos-dettes","status":"publish","type":"steps","link":"https:\/\/stepstojustice.ca\/fr\/steps\/debt-and-consumer-rights\/etablissez-un-plan-pour-embourser-vos-dettes\/","title":{"rendered":"5. \u00c9tablissez un plan pour rembourser vos dettes"},"content":{"rendered":"<p>Lors de votre premi\u00e8re rencontre avec une entreprise de r\u00e8glement de dette, un conseiller en cr\u00e9dit ou un syndic autoris\u00e9 en insolvabilit\u00e9, ayez avec vous une liste de toutes vos factures et dettes. Assurez-vous d&#8217;inclure\u00a0:<\/p>\n<ul>\n<li>vos pr\u00eats hypoth\u00e9caires;<\/li>\n<li>vos pr\u00eats automobiles;<\/li>\n<li>vos pr\u00eats \u00e9tudiants;<\/li>\n<li>vos soldes de carte de cr\u00e9dit;<\/li>\n<li>vos lignes de cr\u00e9dit;<\/li>\n<li>les sommes emprunt\u00e9es \u00e0 des membres de votre famille;<\/li>\n<li>vos factures mensuelles (t\u00e9l\u00e9phone, Internet, \u00e9lectricit\u00e9,\u00a0etc.);<\/li>\n<li>l&#8217;imp\u00f4t que vous devez;<\/li>\n<li>toute autre somme due.<\/li>\n<\/ul>\n<p>Vous devez aussi fournir de l&#8217;information sur vos revenus et vos frais de subsistance, dont\u00a0:<\/p>\n<ul>\n<li>l&#8217;argent que vous avez dans votre compte bancaire ou ailleurs;<\/li>\n<li>l&#8217;argent pour l&#8217;\u00e9picerie, le service de garde et les trajets domicile-travail;<\/li>\n<li>votre salaire;<\/li>\n<li>vos avoirs pouvant \u00eatre vendus pour rembourser vos dettes.<\/li>\n<\/ul>\n<p>Ayez en main vos relev\u00e9s bancaires des trois derniers mois pour aider le conseiller, l&#8217;entreprise ou le syndic \u00e0 comprendre votre situation financi\u00e8re.<\/p>\n<p>Un conseiller en cr\u00e9dit vous aidera \u00e0 \u00e9tablir un plan de remboursement de vos dettes. Si vous ne pouvez pas rembourser, un syndic ou un conseiller peut vous aider \u00e0 d\u00e9terminer si vous devriez plut\u00f4t d\u00e9poser une proposition de consommateur ou d\u00e9clarer faillite.<\/p>\n<p>Un conseiller en cr\u00e9dit peut vous aider \u00e0 mettre en place un plan pour rembourser vos dettes, mais ne peut pas d\u00e9poser une proposition de consommateur ou une proposition de faillite. Seul un syndic autoris\u00e9 en insolvabilit\u00e9 peut le faire.<\/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-1176940","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. \u00c9tablissez un plan pour rembourser vos dettes - Justice pas-\u00e0-pas<\/title>\n<meta name=\"description\" content=\"Lors de votre premi\u00e8re rencontre avec une entreprise de r\u00e8glement de dette, un conseiller en cr\u00e9dit ou un syndic autoris\u00e9 en insolvabilit\u00e9, ayez avec vous\" \/>\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\/etablissez-un-plan-pour-embourser-vos-dettes\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"5. \u00c9tablissez un plan pour rembourser vos dettes - 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