{"id":1176952,"date":"2018-06-22T13:02:04","date_gmt":"2018-06-22T17:02:04","guid":{"rendered":""},"modified":"2021-12-13T15:35:22","modified_gmt":"2021-12-13T20:35:22","slug":"1-obtenez-des-conseils-sur-votre-situation-financiere-0","status":"publish","type":"steps","link":"https:\/\/stepstojustice.ca\/fr\/steps\/debt-and-consumer-rights\/1-obtenez-des-conseils-sur-votre-situation-financiere-0\/","title":{"rendered":"1. Obtenez des conseils sur votre situation financi\u00e8re"},"content":{"rendered":"<p>Quelques personnes peuvent vous donner des conseils financiers.<\/p>\n<h3>Conseillers en cr\u00e9dit d&#8217;agences sans but lucratif<\/h3>\n<p>Un conseiller en cr\u00e9dit d&#8217;une agence sans but lucratif vous rencontrera, g\u00e9n\u00e9ralement gratuitement, pour discuter des fa\u00e7ons de g\u00e9rer vos dettes. Il peut\u00a0:<\/p>\n<ul>\n<li>vous aider \u00e0 comprendre comment vous vous \u00eates endett\u00e9;<\/li>\n<li>vous expliquer comment vous sortir de l&#8217;endettement;<\/li>\n<li>vous expliquer comment faire un budget;<\/li>\n<li>parler \u00e0 vos cr\u00e9anciers pour qu&#8217;ils r\u00e9duisent vos dettes;<\/li>\n<li>\u00e9tablir un plan de remboursement de vos dettes.<\/li>\n<\/ul>\n<p>Il ne peut pas vous aider \u00e0 <a href=\"\/fr\/questions\/debt-and-consumer-rights\/comment-fait-pour-declarer-faillite\/\">d\u00e9clarer faillite<\/a> ou \u00e0 <a href=\"\/fr\/questions\/debt-and-consumer-rights\/est-ce-quune-proposition-de-consommateur-peut-maider-a\/\">d\u00e9poser une proposition de consommateur<\/a>, mais il peut vous aider \u00e0 d\u00e9terminer si vous devez discuter de ces options avec un syndic autoris\u00e9 en insolvabilit\u00e9.<\/p>\n<p>Vous devez g\u00e9n\u00e9ralement payer des frais si vous embauchez un conseiller en cr\u00e9dit d&#8217;une agence sans but lucratif. Si vous n&#8217;avez pas les moyens, il pourrait r\u00e9duire ses frais ou n&#8217;en exiger aucuns.<\/p>\n<p>Pour trouver un conseiller en cr\u00e9dit d&#8217;une agence sans but lucratif pr\u00e8s de chez vous, vous pouvez communiquer avec les organismes suivants\u00a0:<\/p>\n<ul>\n<li>l&#8217;<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\">Ontario Association of Credit Counselling Services<\/a>;<\/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>Les conseillers qui sont membres de ces organismes doivent respecter certaines r\u00e8gles de conduite, ce qui contribue \u00e0 votre protection.<\/p>\n<h3>Conseillers financiers<\/h3>\n<p>Un conseiller financier d&#8217;une banque peut vous aider \u00e0 mettre en place un plan de remboursement de vos dettes. Il peut aussi vous aider \u00e0 obtenir un pr\u00eat de consolidation.<\/p>\n<p>Si un tel pr\u00eat vous est accord\u00e9, la banque mettra \u00e0 votre disposition la somme dont vous avez besoin pour rembourser toutes vos dettes. Vous n&#8217;aurez plus qu&#8217;un paiement \u00e0 g\u00e9rer.<\/p>\n<p>Pour \u00eatre admissible \u00e0 un pr\u00eat de consolidation, il faut g\u00e9n\u00e9ralement avoir une bonne cote de cr\u00e9dit, un revenu \u00e9lev\u00e9 ou un garant qui cosigne le pr\u00eat. Vous ne devriez pas avoir \u00e0 payer de frais pour parler \u00e0 un conseiller financier de votre banque.<\/p>\n<p>Un conseiller financier ne peut pas vous aider \u00e0 d\u00e9clarer faillite ou \u00e0 d\u00e9poser une 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-1176952","steps","type-steps","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.0 (Yoast SEO v28.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>1. Obtenez des conseils sur votre situation financi\u00e8re - Justice pas-\u00e0-pas<\/title>\n<meta name=\"description\" content=\"Quelques personnes peuvent vous donner des conseils financiers. 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