{"id":1176942,"date":"2018-06-22T11:34:25","date_gmt":"2018-06-22T15:34:25","guid":{"rendered":""},"modified":"2018-07-30T12:48:21","modified_gmt":"2018-07-30T12:48:21","slug":"2-parlez-\u00e0-vos-cr\u00e9anciers","status":"publish","type":"steps","link":"https:\/\/stepstojustice.ca\/fr\/steps\/debt-and-consumer-rights\/2-parlez-\u00e0-vos-cr\u00e9anciers\/","title":{"rendered":"2. Parlez \u00e0 vos cr\u00e9anciers"},"content":{"rendered":"<p>Il est pr\u00e9f\u00e9rable de communiquer avec vos cr\u00e9anciers et de leur proposer des options de remboursement. Vous pouvez leur demander&nbsp;:<\/p>\n<ul>\n<li>de faire de plus petits versements, sur une plus longue p\u00e9riode;<\/li>\n<li>de retarder votre premier versement;<\/li>\n<li>de r\u00e9duire vos dettes si vous convenez de les rembourser sur-le-champ.<\/li>\n<\/ul>\n<p>Vous pouvez vous entendre avec chaque cr\u00e9ancier s\u00e9par\u00e9ment. Si un ou plusieurs d&#8217;entre eux refusent vos modalit\u00e9s de remboursement, vous pouvez tout de m\u00eame vous arranger avec les autres. Vous n&#8217;avez pas \u00e0 trouver une entente avec tous vos cr\u00e9anciers.<\/p>\n<p>Un conseiller en cr\u00e9dit d&#8217;une agence sans but lucratif peut vous aider \u00e0 parler \u00e0 vos cr\u00e9anciers. Vous devez d\u00e9terminer combien vous pouvez rembourser \u00e0 chaque cr\u00e9ancier et \u00e0 quel moment vous pouvez effectuer le versement.<\/p>\n<p>Apr\u00e8s avoir \u00e9tabli votre plan de remboursement, vous devez faire les paiements \u00e0 temps. Vous pouvez g\u00e9rer le calendrier de paiement vous-m\u00eame ou payer un conseiller pour qu&#8217;il vous aide. Si vous respectez le calendrier, votre cote de solvabilit\u00e9 ne devrait pas empirer et vos cr\u00e9anciers devraient arr\u00eater de vous appeler pour r\u00e9cup\u00e9rer leur argent.<\/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-1176942","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>2. Parlez \u00e0 vos cr\u00e9anciers - Justice pas-\u00e0-pas<\/title>\n<meta name=\"description\" content=\"Il est pr\u00e9f\u00e9rable de communiquer avec vos cr\u00e9anciers et de leur proposer des options de remboursement. 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