{"id":1265117,"date":"2024-06-12T14:17:45","date_gmt":"2024-06-12T18:17:45","guid":{"rendered":"https:\/\/stepstojustice.ca\/steps\/\/5-learn-about-your-other-options-3\/"},"modified":"2024-06-19T15:41:04","modified_gmt":"2024-06-19T19:41:04","slug":"5-sinformer-des-options-3","status":"publish","type":"steps","link":"https:\/\/stepstojustice.ca\/fr\/steps\/income-assistance\/5-sinformer-des-options-3\/","title":{"rendered":"5. S\u2019informer des options"},"content":{"rendered":"<p>Si vos moyens sont trop limit\u00e9s pour une entente de paiement avec l\u2019Agence du revenu du Canada (ARC), il existe d\u2019autres solutions.<\/p>\n<p>Assurez-vous de bien comprendre ce qui se produira si vous choisissez l\u2019une ou l\u2019autre de ces solutions. Sachez ce que vous devez faire, et quelles seront les cons\u00e9quences si vous ne le faites pas. Par exemple, quelles seront les cons\u00e9quences sur votre <span class=\"glossary\" term=\"1180094\">cote de cr\u00e9dit<\/span> et pendant combien de temps?<\/p>\n<p>Un <a href=\"\/fr\/resource\/quest-ce-quun-syndic-autorise-en-insolvabilite\/\" target=\"_blank\" rel=\"noopener\">syndic autoris\u00e9 en insolvabilit\u00e9<\/a> peut vous expliquer vos options et r\u00e9pondre \u00e0 vos questions.<\/p>\n<h3>Proposition de consommateur<\/h3>\n<p>Une <a href=\"\/fr\/resource\/vous-devez-de-largent-les-propositions-de-consommateur\/\" target=\"_blank\" rel=\"noopener\">proposition de consommateur<\/a> est une solution \u00e0 votre probl\u00e8me de dette consistant \u00e0 conclure une entente avec votre cr\u00e9ancier, c\u2019est-\u00e0-dire la personne \u00e0 qui vous devez de l\u2019argent. L\u2019ARC est votre cr\u00e9ancier s\u2019il s\u2019agit de rembourser vos prestations li\u00e9es \u00e0 la COVID-19.<\/p>\n<p>Vous pouvez demander \u00e0 votre cr\u00e9ancier\u00a0:<\/p>\n<ul>\n<li>d\u2019\u00e9chelonner vos versements sur une plus longue p\u00e9riode;<\/li>\n<li>de r\u00e9duire le montant de vos versements;<\/li>\n<li>de ne plus exiger d\u2019int\u00e9r\u00eats;<\/li>\n<li>d\u2019accepter de r\u00e9duire le montant de votre dette.<\/li>\n<\/ul>\n<p>Si votre cr\u00e9ancier accepte votre proposition de consommateur, il doit\u00a0:<\/p>\n<ul>\n<li>cesser de pr\u00e9lever des montants sur votre salaire, et<\/li>\n<li>mettre fin \u00e0 toute poursuite intent\u00e9e contre vous.<\/li>\n<\/ul>\n<p>Vous ne pouvez faire une proposition de consommateur que si le total d\u00fb \u00e0 tous vos cr\u00e9anciers est inf\u00e9rieur \u00e0 250\u00a0000\u00a0$.<\/p>\n<p>Et cette proposition n\u2019est possible que pour une dette non garantie, par exemple votre dette \u00e0 l\u2019\u00e9gard de l\u2019ARC pour les prestations li\u00e9es \u00e0 la COVID-19. Pour en savoir plus\u00a0: <a href=\"\/fr\/questions\/debt-and-consumer-rights\/est-ce-quune-proposition-de-consommateur-peut-maider-a\/\">Est-ce qu\u2019une proposition de consommateur peut m\u2019aider \u00e0 sortir de l\u2019endettement?<\/a><\/p>\n<h3>Faillite<\/h3>\n<p>Si vous <a href=\"\/fr\/resource\/vous-devez-de-largent-vous-envisagez-la-faillite\/\" target=\"_blank\" rel=\"noopener\">d\u00e9clarez faillite<\/a>, vous \u00eates <a href=\"\/fr\/resource\/comprendre-la-procedure-de-liberation-dune-faillite\/\" target=\"_blank\" rel=\"noopener\">lib\u00e9r\u00e9<\/a> de la plupart de vos dettes; vous n\u2019avez donc plus \u00e0 les rembourser, y compris ce que vous devez \u00e0 l\u2019ARC.<\/p>\n<p>Et vos cr\u00e9anciers ne peuvent plus rien pr\u00e9lever sur votre salaire et doivent cesser toute poursuite contre vous.<\/p>\n<p>Pour en savoir plus\u00a0: <a href=\"\/fr\/questions\/debt-and-consumer-rights\/jai-des-problemes-financiers-dois-je-declarer-faillite\/\">J\u2019ai des probl\u00e8mes financiers. Dois-je d\u00e9clarer faillite?<\/a><\/p>\n<!-- AddThis Advanced Settings generic via filter on the_content --><!-- AddThis Share Buttons generic via filter on the_content -->","protected":false},"author":6,"featured_media":0,"template":"","class_list":["post-1265117","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. S\u2019informer des options - Justice pas-\u00e0-pas<\/title>\n<meta name=\"description\" content=\"Si vos moyens sont trop limit\u00e9s pour une entente de paiement avec l\u2019Agence du revenu du Canada (ARC), il existe d\u2019autres solutions. 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