{"id":1178063,"date":"2018-01-19T09:01:20","date_gmt":"2018-01-19T14:01:20","guid":{"rendered":""},"modified":"2023-05-30T11:18:19","modified_gmt":"2023-05-30T15:18:19","slug":"3-consultez-un-conseiller-en-credit-0","status":"publish","type":"steps","link":"https:\/\/stepstojustice.ca\/fr\/steps\/debt-and-consumer-rights\/3-consultez-un-conseiller-en-credit-0\/","title":{"rendered":"3. Consultez un conseiller en cr\u00e9dit"},"content":{"rendered":"<p>Si vous \u00eates tr\u00e8s endett\u00e9 ou avez souvent de la difficult\u00e9 \u00e0 payer vos factures, vous pouvez demander l\u2019aide d\u2019un conseiller en cr\u00e9dit d\u2019une agence sans but lucratif.<\/p>\n<p>Ce dernier pourra vous sugg\u00e9rer des fa\u00e7ons de g\u00e9rer vos dettes et vous montrer comment \u00e9viter ce genre de probl\u00e8me \u00e0 l\u2019avenir. Vous pourriez ainsi am\u00e9liorer votre cote de cr\u00e9dit.<\/p>\n<p>Le conseiller peut, par exemple, vous aider \u00e0\u00a0:<\/p>\n<ul>\n<li>parler \u00e0 vos cr\u00e9anciers pour qu\u2019ils r\u00e9duisent vos dettes;<\/li>\n<li>\u00e9tablir un plan de remboursement;<\/li>\n<li>faire un budget;<\/li>\n<li>comprendre comment vous vous \u00eates endett\u00e9;<\/li>\n<li>comprendre comment vous sortir de l\u2019endettement.<\/li>\n<\/ul>\n<p>Habituellement, le premier rendez-vous pour examiner vos options est gratuit. Ensuite, si vous voulez poursuivre, il y a des frais \u00e0 payer. Sachez que les conseillers en cr\u00e9dit d\u2019agences sans but lucratif ne sont pas l\u00e0 pour faire du profit avec vous. Si vous n\u2019avez pas les moyens de payer ces frais, vous pouvez demander un prix sp\u00e9cial. Certains pourraient m\u00eame accepter de vous aider gratuitement.<\/p>\n<p>Pour trouver un conseiller en cr\u00e9dit dans votre r\u00e9gion, consultez l\u2019<a href=\"\/resource\/ontario-association-of-credit-counselling-services-oaccs-1-1-1-1-1\/\" target=\"_blank\" rel=\"noopener\">Ontario Association of Credit Counselling Services<\/a> ou le <a href=\"\/fr\/resource\/credit-counselling-canada-1\/\" target=\"_blank\" rel=\"noopener\">Conseil en cr\u00e9dit du Canada<\/a>.<\/p>\n<p>Tous les conseillers en cr\u00e9dit figurant sur ces deux sites sont <strong>agr\u00e9\u00e9s<\/strong>, donc ont r\u00e9ussi leur formation et suivent un code de d\u00e9ontologie ou des r\u00e8gles. Ils doivent aussi se former r\u00e9guli\u00e8rement; c\u2019est pourquoi il est pr\u00e9f\u00e9rable de faire appel \u00e0 l\u2019un d\u2019eux.<\/p>\n<p>Sachez qu\u2019une agence de conseils en cr\u00e9dit sans but lucratif <strong>diff\u00e8re<\/strong> d\u2019une agence de redressement de cr\u00e9dit ou d\u2019une <a href=\"\/fr\/resource\/services-de-conseils-en-cr-dit-et-de-r-glement-de-dette\/\" target=\"_blank\" rel=\"noopener\">entreprise de r\u00e8glement de dette<\/a>.<\/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-1178063","steps","type-steps","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.0 (Yoast SEO v28.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>3. 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