{"id":343,"date":"2023-09-04T00:00:00","date_gmt":"2023-09-03T22:00:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/particulier\/2018\/08\/08\/eviter-le-surendettement\/"},"modified":"2024-01-16T13:19:41","modified_gmt":"2024-01-16T11:19:41","slug":"eviter-le-surendettement","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/particulier\/eviter-le-surendettement\/","title":{"rendered":"Comment \u00e9viter le surendettement ?"},"content":{"rendered":"\n<h2 class=\"has-normal-font-size wp-block-heading\">Si vous \u00e9prouvez des difficult\u00e9s passag\u00e8res, vous n'\u00eates pas forc\u00e9ment surendett\u00e9. Le surendettement se caract\u00e9rise par la multiplication des incidents de paiements, puis par des poursuites (saisie etc\u2026.) ce qui vous conduit \u00e0 ne plus pouvoir faire face \u00e0 l'ensemble de vos dettes, y compris professionnelles. Si vos difficult\u00e9s persistent, \u00e9valuez d'abord leur importance. V\u00e9rifiez si ce sont vos dettes qui ont augment\u00e9 et\/ou si ce sont vos revenus qui ont baiss\u00e9.<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Equilibrez votre budget <\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Vous pouvez prendre un certain nombre de mesures :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>r\u00e9duisez vos <strong>d\u00e9penses <\/strong>de train de vie et en ne conservant que l'<strong>indispensable<\/strong>,<\/li><li>renoncez \u00e0 certains achats, ou quand ils sont n\u00e9cessaires, profitez de <strong>promotions <\/strong>par exemple<\/li><li>recherchez toutes les possibilit\u00e9s d'augmenter vos <strong>revenus <\/strong>(demander une augmentation de salaire, faire des heures suppl\u00e9mentaires, bien percevoir toutes les allocations auxquelles vous pouvez pr\u00e9tendre, etc.),<\/li><li>r\u00e9duisez quand c'est possible votre endettement par une vente de biens, suivie par le remboursement anticip\u00e9 de cr\u00e9dits.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Dans le cas de difficult\u00e9s passag\u00e8res, <strong>n\u00e9gociez <\/strong>directement avec vos <strong>cr\u00e9anciers <\/strong>des <strong>d\u00e9lais <\/strong>suppl\u00e9mentaires ou un <strong>r\u00e9\u00e9chelonnement<\/strong>. Vous pouvez rechercher une aide financi\u00e8re aupr\u00e8s de votre entourage ou de votre employeur, mais aussi des travailleurs sociaux qui peuvent peut-\u00eatre vous faire b\u00e9n\u00e9ficier de prestations exceptionnelles.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pensez \u00e0 faire intervenir les diff\u00e9rentes <strong>assurances <\/strong>que vous avez souscrites (incapacit\u00e9 de travail, perte d'emploi\u2026) s'il y a lieu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">N'aggravez pas vos dettes<\/h3>\n\n\n\n<ul class=\"wp-block-list\"><li>Ne recourez pas \u00e0 un nouveau cr\u00e9dit.<\/li><li>N'utilisez pas votre cr\u00e9dit renouvelable si vous en avez un.<\/li><li>Ne tentez pas \u00e0 toutes fins de regrouper tous vos cr\u00e9dits, car m\u00eame si cette solution apporte un soulagement imm\u00e9diat \u00e0 vos charges, elle peut augmenter votre endettement g\u00e9n\u00e9ral.<\/li><li>Evitez d'accumuler des retards de paiements co\u00fbteux qui aggraveraient votre dette.<\/li><\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">En compl\u00e9ment de l'article \"Eviter le surendettement\" :<\/h4>\n\n\n\n<ul class=\"wp-block-list\"><li><a rel=\"noreferrer noopener\" target=\"_blank\" href=\"http:\/\/www.banque-france.fr\/la-banque-de-france\/missions\/protection-du-consommateur\/surendettement.html\">Le surendettement sur le site de la Banque de France<\/a><\/li><\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<div class=\"titleWithShadowText\">\n    <div class=\"titleWithShadowText__inner\">\n                <div class=\"titleWithShadowText__wrapper\">\n            <svg class=\"titleWithShadowText__wave titleWithShadowText__wave--verticalLeft\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"239.12 0 188.4 666.65\"> <defs><clipPath id=\"a\"><path clip-rule=\"evenodd\" d=\"M500 0v500H0V0h500z\" \/><\/clipPath><\/defs><g clip-path=\"url(#a)\" transform=\"scale(1.3333)\"><path d=\"M319.23 500h0-139.882 0V0h1.468c0 79.482 64.304 108.12 73.914 180.986h0c9.61 72.865 2.476 64.708 11.96 136.62h0c9.485 71.911 31.518 80.281 44.568 116.901h0c8.7 24.413 11.357 46.244 7.972 65.493z\" fill-rule=\"evenodd\" \/><\/g><\/svg><svg class=\"titleWithShadowText__wave titleWithShadowText__wave--verticalRight\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 289 1024\"><path d=\"M2.514 1024h286.478V0h-3.006c0 162.779-131.695 221.43-151.376 370.659-19.681 149.228-5.071 132.522-24.494 279.798C90.691 797.731 45.567 814.872 18.841 889.87 1.023 939.868-4.418 984.578 2.514 1024z\" \/><\/svg><div class=\"titleWithShadowText__textWrapper\">\n                <h4 class=\"titleWithShadowText__title\">\n                    Voir aussi                                    <\/h4>\n                                <span role=\"presentation\" class=\"titleWithShadowText__shadow\">Voir aussi<\/span>\n                                                            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width=\"12\">\n                        <use href=\"#share\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                    <\/ul>\n    <\/div>\n<\/div>\n                        <p class=\"card__time\">2 Min<\/p>\n            <\/header>\n    <a class=\"card__link\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/deposer-un-dossier-de-surendettement\/\">\n                <picture>\n                        <source media=\"(min-width: 990px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/dossier-surendettement-_BD-290x400.jpg\">\n                        <source media=\"(min-width: 500px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/dossier-surendettement-_BD-928x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/dossier-surendettement-_BD-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/dossier-surendettement-_BD.jpg\" alt=\"\" class=\"card__backgroundImg\" loading=\"lazy\" \/>\n        <\/picture>\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Le surendettement<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">D\u00e9poser un dossier de surendettement<\/span>\n                <\/h3>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><\/div><div class=\"navigation\"><button type=\"button\" class=\"navigation__btn navigation__btn--previous\" data-wp-on--click=\"actions.previous\" data-wp-bind--hidden=\"context.hidden\" data-wp-bind--disabled=\"context.prevDisabled\"><span class=\"a11y-hidden\">Voir plus sur la gauche<\/span><svg class=\"navigation__arrow navigation__arrow--previous\" role=\"presentation\"><use href=\"#arrow\" xlink:href=\"#arrow\" \/><\/svg><\/button><button type=\"button\" class=\"navigation__btn navigation__btn--next\" data-wp-on--click=\"actions.next\" data-wp-bind--hidden=\"context.hidden\" data-wp-bind--disabled=\"context.nextDisabled\"><span class=\"a11y-hidden\">Voir plus sur la droite<\/span><svg class=\"navigation__arrow navigation__arrow--next\" role=\"presentation\"><use href=\"#arrow\" xlink:href=\"#arrow\" \/><\/svg><\/button><\/div><\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Si vous \u00e9prouvez des difficult\u00e9s passag\u00e8res, vous n'\u00eates pas forc\u00e9ment surendett\u00e9. Le surendettement se caract\u00e9rise par la multiplication des incidents de paiements, puis par des poursuites (saisie etc\u2026.) ce qui vous conduit \u00e0 ne plus pouvoir faire face \u00e0 l'ensemble de vos dettes, y compris professionnelles. Si vos difficult\u00e9s persistent, \u00e9valuez d'abord leur importance. V\u00e9rifiez [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":25382,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":15,"views":7663,"viewed_at":"1778495659","newsletter":"0","_yoast_wpseo_primary_category":57,"footnotes":""},"categories":[278,57,56,270],"tags":[],"class_list":["post-343","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-jai-des-difficultes","category-le-surendettement","category-les-consequences-eventuelles","category-mes-moments-de-vie"],"yoast_head":"<title>Comment \u00e9viter le surendettement ? - Le surendettement - Les cl\u00e9s de la banque - Particulier<\/title>\n<meta name=\"description\" content=\"Si vos difficult\u00e9s persistent, \u00e9valuez d&#039;abord leur importance. 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