{"id":1176950,"date":"2018-06-22T11:56:33","date_gmt":"2018-06-22T15:56:33","guid":{"rendered":""},"modified":"2018-07-30T12:48:21","modified_gmt":"2018-07-30T12:48:21","slug":"5-payez-vos-cr\u00e9anciers-garantis","status":"publish","type":"steps","link":"https:\/\/stepstojustice.ca\/fr\/steps\/debt-and-consumer-rights\/5-payez-vos-cr\u00e9anciers-garantis\/","title":{"rendered":"5. Payez vos cr\u00e9anciers garantis"},"content":{"rendered":"<p>Une proposition de consommateur n&#8217;inclut g\u00e9n\u00e9ralement pas les sommes que vous devez \u00e0 vos cr\u00e9anciers garantis, c&#8217;est-\u00e0-dire aux cr\u00e9anciers envers qui vous avez une dette garantie par un bien grev\u00e9. Normalement, les cr\u00e9ances garanties comprennent&nbsp;:<\/p>\n<ul>\n<li>les pr\u00eats automobiles;<\/li>\n<li>les pr\u00eats hypoth\u00e9caires.<\/li>\n<\/ul>\n<p>Lors du d\u00e9p\u00f4t de votre proposition de consommateur, vous devrez d\u00e9cider si vous souhaitez conserver votre r\u00e9sidence ou votre voiture. Vous devez aussi vous assurer que vous pouvez faire les paiements convenus.<\/p>\n<p>Si vous ne conservez pas votre r\u00e9sidence ou votre voiture, vous pouvez l&#8217;indiquer dans votre proposition. Cela signifie que votre r\u00e9sidence ou votre voiture sera vendue et que le produit de la vente servira \u00e0 rembourser vos cr\u00e9anciers. Le montant qui reste \u00e0 payer \u00e0 vos cr\u00e9anciers garantis sera inclus dans votre proposition de consommateur.<\/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-1176950","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. 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