{"id":345,"date":"2023-09-04T00:00:00","date_gmt":"2023-09-03T22:00:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/particulier\/2018\/08\/06\/surendettement-si-aucun-plan-de-redressement-ne-peut-etre-signe\/"},"modified":"2023-09-04T18:40:22","modified_gmt":"2023-09-04T16:40:22","slug":"surendettement-si-aucun-plan-de-redressement-ne-peut-etre-signe","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/particulier\/surendettement-si-aucun-plan-de-redressement-ne-peut-etre-signe\/","title":{"rendered":"Surendettement : si aucun plan de redressement ne peut \u00eatre sign\u00e9 ..."},"content":{"rendered":"\n<h2 class=\"has-normal-font-size wp-block-heading\">En cas de d\u00e9saccord sur un plan de redressement, vous recevez une lettre recommand\u00e9 avec accus\u00e9 r\u00e9ception. Vous avez 15 jours pour demander \u00e0 la commission de surendettement de poursuivre la proc\u00e9dure. Celle-ci imposera alors des mesures. A d\u00e9faut, le dossier est class\u00e9 sans suite et vous cessez d'\u00eatre inscrit au FICP (fichier des incidents de remboursements des cr\u00e9dits) au titre du surendettement et les cr\u00e9anciers peuvent reprendre leurs poursuites.<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Les mesures impos\u00e9es par la commission de surendettement<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A d\u00e9faut d'accord avec vos cr\u00e9anciers, la commission de surendettement peut imposer des <strong>mesures<\/strong> directement (sans passer par un juge pour les homologuer) et sur 7 ans maximum :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>r\u00e9\u00e9chelonnement <\/strong>des paiements,<\/li><li><strong>imputation <\/strong>des paiements d'abord sur le capital,<\/li><li><strong>r\u00e9duction <\/strong>des taux d'int\u00e9r\u00eat,<\/li><li><strong>suspension <\/strong>des dettes autres qu'alimentaires pour une dur\u00e9e maximum de deux ans : il s'agit du moratoire...<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A votre demande, elle peut \u00e9galement par d\u00e9cision sp\u00e9ciale et motiv\u00e9e, imposer :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>la <strong>r\u00e9duction <\/strong>de la dette immobili\u00e8re restant apr\u00e8s la vente forc\u00e9e du logement principal,<\/li><li>l'<strong>effacement<\/strong> partiel des dettes...<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Chaque partie peut saisir le juge du Tribunal judiciaire pour contester les mesures impos\u00e9es par la commission dans un d\u00e9lai de 30 jours.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">L'inscription des mesures au FICP<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Les mesures impos\u00e9es sont inscrites au FICP pendant toute la dur\u00e9e de leur ex\u00e9cution, sans pouvoir exc\u00e9der <strong>7 ans<\/strong>. Elles peuvent exc\u00e9der 7 ans lorsqu'elles concernent le remboursement de pr\u00eats contract\u00e9s pour l'achat d'un bien immobilier constituant votre r\u00e9sidence principale afin d'en \u00e9viter la cession.<\/p>\n\n\n\n<p class=\"has-background wp-block-paragraph\" style=\"background-color:#d6d8da\"><strong>A savoir <\/strong>: en cas de dossier de surendettement d\u00e9clar\u00e9 recevable, vous \u00eates identifi\u00e9 comme client fragile. Ainsi, pendant toute la dur\u00e9e de votre inscription au FICP, vos frais bancaires li\u00e9s aux incidents de paiement seront plafonn\u00e9s \u00e0 25 euros par mois, soit 300 euros par an maximum.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">En compl\u00e9ment de l'article \"Surendettement : si aucun plan de redressement ne peut \u00eatre sign\u00e9 \u2026\" :<\/h4>\n\n\n\n<ul class=\"wp-block-list\"><li><a rel=\"noreferrer noopener\" target=\"_blank\" href=\"https:\/\/www.legifrance.gouv.fr\/affichCode.do?cidTexte=LEGITEXT000006069565\">Legifrance - Art L 733-1 et s. c. conso.<\/a><\/li><\/ul>\n\n\n\n<div style=\"height:63px\" 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                                                            <\/div>\n        <\/div>\n            <\/div>\n<div role=\"presentation\" class=\"titleWithShadowText__wave titleWithShadowText__wave--ie\"><\/div><svg class=\"titleWithShadowText__wave titleWithShadowText__wave--horizontal\" viewbox=\"0 0 35171 2240\"><use xlink:href=\"#wave\" href=\"#wave\"><\/use><\/svg><\/div>\n        \n\n<div class=\"carousel\" data-wp-interactive=\"fbf\/carousel\" data-wp-context=\"{&quot;perView&quot;:4,&quot;perViewTablet&quot;:2,&quot;perViewMobile&quot;:1,&quot;scroll&quot;:1,&quot;loop&quot;:true}\" data-wp-init=\"callbacks.init\"><div class=\"carousel__cards cards\" data-carousel-track><div class=\"carousel__item\"><article class=\"card card--noBg\" data-block=\"carousel\">\n    <header class=\"card__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:332,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/guide-procedure-surendettement\/&quot;,&quot;title&quot;:&quot;La proc\u00e9dure de surendettement&quot;,&quot;thumbnail&quot;:&quot;&quot;,&quot;likes&quot;:43}\"\n     data-wp-init=\"callbacks.init\">\n    <button class=\"postActions__button\" aria-expanded=\"false\" title=\"Voir les actions\" data-wp-on--click=\"actions.toggleMenu\">\n        <svg class=\"postActions__iconMenu\" role=\"presentation\" width=\"26\" height=\"26\">\n            <use href=\"#containsMore\" \/>\n        <\/svg>\n        <span class=\"a11y-hidden\">Voir les actions<\/span>\n    <\/button>\n    <div class=\"postActions__actionsMenu\"\n         data-id=\"332\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/guide-procedure-surendettement\/\"\n         data-title=\"La proc\u00e9dure de surendettement\">\n        <ul class=\"postActions__list\">\n                        <li>\n    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surendettement<\/span>\n                <\/h3>\n                                <p class=\"card__article\">Vous rencontrez des difficult\u00e9s pour r\u00e9gler vos d\u00e9penses et rembourser vos cr\u00e9dits\u2026 vos dettes augmentent ? N\u2019attendez pas : adressez-vous \u00e0 la Banque de France de votre (...)<\/p>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><div class=\"carousel__item\"><article class=\"card card--white\" data-block=\"carousel\">\n    <header class=\"card__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:470,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/le-fichier-lie-aux-credits-et-au-surendettement-le-ficp\/&quot;,&quot;title&quot;:&quot;Le fichier li\u00e9 aux cr\u00e9dits et au surendettement : le FICP&quot;,&quot;thumbnail&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/GettyImages-1167746435-150x150.jpg&quot;,&quot;likes&quot;:11}\"\n     data-wp-init=\"callbacks.init\">\n    <button class=\"postActions__button\" aria-expanded=\"false\" title=\"Voir les actions\" data-wp-on--click=\"actions.toggleMenu\">\n        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href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/le-fichier-lie-aux-credits-et-au-surendettement-le-ficp\/\">\n                <picture>\n                        <source media=\"(min-width: 990px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/GettyImages-1167746435-290x400.jpg\">\n                        <source media=\"(min-width: 500px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/GettyImages-1167746435-928x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/GettyImages-1167746435-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/GettyImages-1167746435.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\">A la Banque de France<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Le fichier li\u00e9 aux cr\u00e9dits et au surendettement : le FICP<\/span>\n                <\/h3>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><div class=\"carousel__item\"><article class=\"card card--white\" data-block=\"carousel\">\n    <header class=\"card__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:108,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/peut-on-obtenir-leffacement-de-ses-dettes\/&quot;,&quot;title&quot;:&quot;Peut-on obtenir l\\u0027effacement de ses dettes 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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\">Peut-on obtenir l&#039;effacement de ses dettes ?<\/span>\n                <\/h3>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><div class=\"carousel__item\"><article class=\"card card--white\" data-block=\"carousel\">\n    <header class=\"card__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     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             title=\"Partager cet article\"\n                        class=\"postActions__action sharePost\"\n                        aria-haspopup=\"dialog\"\n                        data-wp-on--click=\"actions.share\">\n                    <span class=\"a11y-hidden\">Partager cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon\" width=\"12\">\n                        <use href=\"#share\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                    <\/ul>\n    <\/div>\n<\/div>\n                        <p class=\"card__time\">3 Min<\/p>\n            <\/header>\n    <a class=\"card__link\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/offre-specifique-fragilite-financiere\/\">\n                <picture>\n                        <source media=\"(min-width: 990px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/offre-specifique-2-_BD-290x400.jpg\">\n                        <source media=\"(min-width: 500px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/offre-specifique-2-_BD-928x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/offre-specifique-2-_BD-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/offre-specifique-2-_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\">Les difficult\u00e9s de gestion<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">L&#039;offre sp\u00e9cifique en cas de situation de fragilit\u00e9 financi\u00e8re<\/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>En cas de d\u00e9saccord sur un plan de redressement, vous recevez une lettre recommand\u00e9 avec accus\u00e9 r\u00e9ception. Vous avez 15 jours pour demander \u00e0 la commission de surendettement de poursuivre la proc\u00e9dure. Celle-ci imposera alors des mesures. A d\u00e9faut, le dossier est class\u00e9 sans suite et vous cessez d'\u00eatre inscrit au FICP (fichier des incidents [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":6573,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":3,"views":9622,"viewed_at":"1778494849","newsletter":"0","_yoast_wpseo_primary_category":57,"footnotes":""},"categories":[278,57,56,270],"tags":[],"class_list":["post-345","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>Surendettement : si aucun plan de redressement ne peut \u00eatre sign\u00e9 ... - Le surendettement - Les cl\u00e9s de la banque - Particulier<\/title>\n<meta name=\"description\" content=\"Faute de plan de redressement, la commission de surendettement peut prendre certaines mesures directement : r\u00e9\u00e9chelonnement, r\u00e9duction...\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/surendettement-si-aucun-plan-de-redressement-ne-peut-etre-signe\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Surendettement : si aucun plan de redressement ne peut \u00eatre sign\u00e9 ... - 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