{"id":8556,"date":"2024-01-15T15:37:08","date_gmt":"2024-01-15T13:37:08","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/particulier\/?p=8556"},"modified":"2024-01-18T12:53:45","modified_gmt":"2024-01-18T10:53:45","slug":"que-savez-vous-du-surendettement","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/particulier\/que-savez-vous-du-surendettement\/","title":{"rendered":"Que savez-vous du surendettement ?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Voil\u00e0 une notion qui peut faire peur... Comment savoir si on est surendett\u00e9 et comment r\u00e9agir ? Une proc\u00e9dure permet de vous aider \u00e0 trouver des solutions.<\/p>\n\n\n<section class=\"quizBlock quizBlock--step\" data-wp-interactive=\"cdb\/quiz\" data-wp-context=\"{&quot;displayMode&quot;:&quot;step&quot;,&quot;shuffleQuestions&quot;:false,&quot;shuffleAnswers&quot;:false,&quot;intervals&quot;:[{&quot;uid&quot;:&quot;i1&quot;,&quot;min&quot;:0,&quot;max&quot;:59,&quot;title&quot;:&quot;&quot;,&quot;text&quot;:&quot;Oups !\\n\\u003Cp\\u003ECe n\\u0027est pas encore \u00e7a ... Vous avez un peu de temps devant vous ? Une petite r\u00e9vision ne serait pas inutile.Plus d\\u0027infos dans notre \\u003Ca rel=\\u0022noopener\\u0022 href=\\u0022https:\/\/www.lesclesdelabanque.com\/particulier\/la-procedure-de-surendettement\/\\u0022\\u003Eguide d\u00e9di\u00e9\\u003C\/a\\u003E. \\u003C\/p\\u003E&quot;,&quot;image&quot;:&quot;&quot;,&quot;linkUrl&quot;:&quot;&quot;,&quot;linkLabel&quot;:&quot;&quot;},{&quot;uid&quot;:&quot;i2&quot;,&quot;min&quot;:60,&quot;max&quot;:100,&quot;title&quot;:&quot;&quot;,&quot;text&quot;:&quot;F\u00e9licitations !\\n\\u003Cp\\u003ERien ou presque ne vous\u00a0 a \u00e9chapp\u00e9. Vous avez les cl\u00e9s pour bien r\u00e9agir en cas de surendettement. Plus d\\u0027infos dans notre \\u003Ca rel=\\u0022noopener\\u0022 href=\\u0022https:\/\/www.lesclesdelabanque.com\/particulier\/la-procedure-de-surendettement\/\\u0022\\u003Eguide d\u00e9di\u00e9 \\u003C\/a\\u003E\\u003C\/p\\u003E&quot;,&quot;image&quot;:&quot;&quot;,&quot;linkUrl&quot;:&quot;&quot;,&quot;linkLabel&quot;:&quot;&quot;}],&quot;labels&quot;:{&quot;questionCounter&quot;:&quot;Question {current} sur {total}&quot;,&quot;previous&quot;:&quot;Pr\u00e9c\u00e9dent&quot;,&quot;next&quot;:&quot;Suivant&quot;,&quot;submit&quot;:&quot;Voir mon r\u00e9sultat&quot;,&quot;restart&quot;:&quot;Recommencer le quiz&quot;,&quot;answerRequired&quot;:&quot;S\u00e9lectionnez au moins une r\u00e9ponse pour continuer.&quot;,&quot;score&quot;:&quot;Votre score : {score} \/ {total}&quot;,&quot;recapTitle&quot;:&quot;D\u00e9tail de vos r\u00e9ponses&quot;,&quot;correct&quot;:&quot;Bonne r\u00e9ponse&quot;,&quot;incorrect&quot;:&quot;Mauvaise r\u00e9ponse&quot;,&quot;expectedAnswers&quot;:&quot;R\u00e9ponse attendue :&quot;,&quot;check&quot;:&quot;Valider ma r\u00e9ponse&quot;}}\" data-wp-init=\"callbacks.init\"><div class=\"quizBlock__intro\"><p><strong>Peut-\u00eatre n'avez-vous jamais \u00e9t\u00e9 confront\u00e9 \u00e0 cette situation, et c'est tant mieux. N\u00e9anmoins, s'il vous arrivait d'avoir des difficult\u00e9s de remboursement...autant savoir comment s'y prendre. <\/strong><\/p><\/div><noscript><p class=\"quizBlock__noscript\">Ce quiz n\u00e9cessite JavaScript pour \u00eatre valid\u00e9 et corrig\u00e9.<\/p><\/noscript><div class=\"quizBlock__progress\" hidden><p class=\"quizBlock__progressText\" aria-live=\"polite\"><\/p><div class=\"quizBlock__progressBar\" role=\"progressbar\" aria-valuemin=\"0\" aria-valuemax=\"9\" aria-valuenow=\"0\"><div class=\"quizBlock__progressFill\"><\/div><\/div><\/div><form class=\"quizBlock__form\" novalidate data-wp-on--submit=\"actions.submit\" data-wp-on--change=\"actions.change\"><fieldset class=\"quizBlock__question\" data-question-uid=\"q69\" data-type=\"single\"><legend class=\"quizBlock__legend\">Qu'est-ce qui caract\u00e9rise un cas de surendettement ?<\/legend><img decoding=\"async\" class=\"quizBlock__questionImage\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/10\/Image4.jpg?_t=1704816216\" alt=\"\" loading=\"lazy\"><ul class=\"quizBlock__answers\"><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz11-q69\" value=\"a190\" data-correct=\"0\"><span class=\"quizBlock__answerText\">Mes mensualit\u00e9s de cr\u00e9dits repr\u00e9sentent plus du tiers de mes revenus<\/span><\/label><\/li><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz11-q69\" value=\"a191\" data-correct=\"0\"><span class=\"quizBlock__answerText\">Je suis chaque mois \u00e0 d\u00e9couvert<\/span><\/label><\/li><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz11-q69\" value=\"a192\" data-correct=\"0\"><span class=\"quizBlock__answerText\">Je n'arrive plus \u00e0 payer toutes mes dettes et mes charges personnelles.<\/span><\/label><\/li><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz11-q69\" value=\"a193\" data-correct=\"1\"><span class=\"quizBlock__answerText\">Je n'arrive plus \u00e0 payer mes dettes, y compris professionnelles<\/span><\/label><\/li><\/ul><p class=\"quizBlock__feedback\" role=\"status\" hidden><\/p><div class=\"quizBlock__explanation\" hidden>Le surendettement, c'est le fait de ne plus pouvoir faire face \u00e0 ses dettes et charges, personnelles et professionnelles. Le seuil d'endettement de 30 % est relatif : Il repr\u00e9sente une charge importante si vous avez de faibles revenus, alors qu'un endettement de 40 % peut rester supportable si vos revenus sont \u00e9lev\u00e9s.<\/div><p class=\"quizBlock__error\" role=\"alert\" hidden><\/p><\/fieldset><fieldset class=\"quizBlock__question\" data-question-uid=\"q70\" data-type=\"single\"><legend class=\"quizBlock__legend\">La proc\u00e9dure de surendettement n'est pas accessible aux propri\u00e9taires immobiliers.<\/legend><img decoding=\"async\" class=\"quizBlock__questionImage\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/10\/iStock_000002155874XSmall.jpg?_t=1704816253\" alt=\"\" loading=\"lazy\"><ul class=\"quizBlock__answers\"><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz11-q70\" value=\"a194\" data-correct=\"0\"><span class=\"quizBlock__answerText\">Vrai<\/span><\/label><\/li><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz11-q70\" value=\"a195\" data-correct=\"1\"><span class=\"quizBlock__answerText\">Faux<\/span><\/label><\/li><\/ul><p class=\"quizBlock__feedback\" role=\"status\" hidden><\/p><div class=\"quizBlock__explanation\" hidden>Etre propri\u00e9taire ne peut pas emp\u00eacher de caract\u00e9riser la situation de surendettement. La proc\u00e9dure est bien accessible aussi aux personnes propri\u00e9taires de leur logement. Ceci est clairement affirm\u00e9 dans la loi.<\/div><p class=\"quizBlock__error\" role=\"alert\" hidden><\/p><\/fieldset><fieldset class=\"quizBlock__question\" data-question-uid=\"q71\" data-type=\"single\"><legend class=\"quizBlock__legend\">Si je suis fran\u00e7ais mais domicili\u00e9 \u00e0 l'\u00e9tranger, puis-je b\u00e9n\u00e9ficier de la proc\u00e9dure de surendettement en France ?<\/legend><img decoding=\"async\" class=\"quizBlock__questionImage\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/10\/iStock_000007000899Small.jpg?_t=1704816571\" alt=\"\" loading=\"lazy\"><ul class=\"quizBlock__answers\"><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz11-q71\" value=\"a196\" data-correct=\"0\"><span class=\"quizBlock__answerText\">Oui, car mon lieu de domicile n'est pas un obstacle pour b\u00e9n\u00e9ficier de la proc\u00e9dure<\/span><\/label><\/li><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz11-q71\" value=\"a197\" data-correct=\"1\"><span class=\"quizBlock__answerText\">Oui, mais seulement si l'ensemble de mes dettes a \u00e9t\u00e9 contract\u00e9 aupr\u00e8s de cr\u00e9anciers \u00e9tablis en France<\/span><\/label><\/li><\/ul><p class=\"quizBlock__feedback\" role=\"status\" hidden><\/p><div class=\"quizBlock__explanation\" hidden>Si tout ou partie de vos dettes a \u00e9t\u00e9 contract\u00e9e aupr\u00e8s de cr\u00e9anciers non \u00e9tablis en France, vous ne pourrez pas b\u00e9n\u00e9ficier de la proc\u00e9dure fran\u00e7aise de surendettement.<\/div><p class=\"quizBlock__error\" role=\"alert\" hidden><\/p><\/fieldset><fieldset class=\"quizBlock__question\" data-question-uid=\"q72\" data-type=\"single\"><legend class=\"quizBlock__legend\">O\u00f9 dois-je d\u00e9poser mon dossier de surendettement ?<\/legend><ul class=\"quizBlock__answers\"><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz11-q72\" value=\"a198\" data-correct=\"0\"><span class=\"quizBlock__answerText\">Chez une assistante sociale<\/span><\/label><\/li><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz11-q72\" value=\"a199\" data-correct=\"0\"><span class=\"quizBlock__answerText\">Chez mon banquier<\/span><\/label><\/li><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz11-q72\" value=\"a200\" data-correct=\"1\"><span class=\"quizBlock__answerText\">A la Banque de France<\/span><\/label><\/li><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz11-q72\" value=\"a201\" data-correct=\"0\"><span class=\"quizBlock__answerText\">Au m\u00e9diateur de la F\u00e9d\u00e9ration bancaire fran\u00e7aise<\/span><\/label><\/li><\/ul><p class=\"quizBlock__feedback\" role=\"status\" hidden><\/p><div class=\"quizBlock__explanation\" hidden>C'est la commission de surendettement, \u00e0 la Banque de France la plus proche de votre domicile, qui traite des dossiers de surendettement. Vous pouvez aussi le d\u00e9poser en ligne sur son site Internet en vous connectant avec France Connect.<\/div><p class=\"quizBlock__error\" role=\"alert\" hidden><\/p><\/fieldset><fieldset class=\"quizBlock__question\" data-question-uid=\"q73\" data-type=\"single\"><legend class=\"quizBlock__legend\">Quelles sont les cons\u00e9quences du d\u00e9p\u00f4t de mon dossier ?<\/legend><img decoding=\"async\" class=\"quizBlock__questionImage\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/10\/SBI.jpg?_t=1704816797\" alt=\"\" loading=\"lazy\"><ul class=\"quizBlock__answers\"><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz11-q73\" value=\"a202\" data-correct=\"1\"><span class=\"quizBlock__answerText\">Mon inscription automatique au FICP, fichier des Incidents de remboursement des cr\u00e9dits aux particuliers<\/span><\/label><\/li><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz11-q73\" value=\"a203\" data-correct=\"0\"><span class=\"quizBlock__answerText\">La suspension automatique des poursuites qui \u00e9taient engag\u00e9es contre moi<\/span><\/label><\/li><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz11-q73\" value=\"a204\" data-correct=\"0\"><span class=\"quizBlock__answerText\">La suspension automatique des mesures d'expulsion<\/span><\/label><\/li><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz11-q73\" value=\"a205\" data-correct=\"0\"><span class=\"quizBlock__answerText\">L'ensemble des 3 r\u00e9ponses ci-dessus<\/span><\/label><\/li><\/ul><p class=\"quizBlock__feedback\" role=\"status\" hidden><\/p><div class=\"quizBlock__explanation\" hidden>Vous \u00eates automatiquement inscrit au FICP. Ce fichier recense toutes les mesures prises dans le cadre de la proc\u00e9dure de surendettement.<\/div><p class=\"quizBlock__error\" role=\"alert\" hidden><\/p><\/fieldset><fieldset class=\"quizBlock__question\" data-question-uid=\"q74\" data-type=\"single\"><legend class=\"quizBlock__legend\">De combien de temps dispose la commission de surendettement pour d\u00e9clarer mon dossier recevable et l'orienter vers une solution ?<\/legend><img decoding=\"async\" class=\"quizBlock__questionImage\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/10\/paa035000073.jpg?_t=1704816904\" alt=\"\" loading=\"lazy\"><ul class=\"quizBlock__answers\"><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz11-q74\" value=\"a206\" data-correct=\"1\"><span class=\"quizBlock__answerText\">3 mois<\/span><\/label><\/li><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz11-q74\" value=\"a207\" data-correct=\"0\"><span class=\"quizBlock__answerText\">6 mois<\/span><\/label><\/li><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz11-q74\" value=\"a208\" data-correct=\"0\"><span class=\"quizBlock__answerText\">9 mois<\/span><\/label><\/li><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz11-q74\" value=\"a209\" data-correct=\"0\"><span class=\"quizBlock__answerText\">12 mois<\/span><\/label><\/li><\/ul><p class=\"quizBlock__feedback\" role=\"status\" hidden><\/p><div class=\"quizBlock__explanation\" hidden>La commission a un d\u00e9lai de 3 mois \u00e0 compter du d\u00e9p\u00f4t de votre dossier pour l'examiner et se prononcer sur sa recevabilit\u00e9, puis proc\u00e9der \u00e0 son instruction et d\u00e9cider de son orientation.<\/div><p class=\"quizBlock__error\" role=\"alert\" hidden><\/p><\/fieldset><fieldset class=\"quizBlock__question\" data-question-uid=\"q75\" data-type=\"single\"><legend class=\"quizBlock__legend\">Une fois que mon dossier est d\u00e9clar\u00e9 recevable, je dois continuer dans la mesure du possible \u00e0 payer :<\/legend><img decoding=\"async\" class=\"quizBlock__questionImage\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/10\/iStock_000002203487XSmall.jpg?_t=1704816990\" alt=\"\" loading=\"lazy\"><ul class=\"quizBlock__answers\"><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz11-q75\" value=\"a210\" data-correct=\"0\"><span class=\"quizBlock__answerText\">tous les loyers et les factures en retard (arri\u00e9r\u00e9s)<\/span><\/label><\/li><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz11-q75\" value=\"a211\" data-correct=\"0\"><span class=\"quizBlock__answerText\">tous les cr\u00e9dits et d\u00e9couverts<\/span><\/label><\/li><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz11-q75\" value=\"a212\" data-correct=\"1\"><span class=\"quizBlock__answerText\">mes charges du mois en cours et \u00e0 venir<\/span><\/label><\/li><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz11-q75\" value=\"a213\" data-correct=\"0\"><span class=\"quizBlock__answerText\">tout \u00e0 la fois<\/span><\/label><\/li><\/ul><p class=\"quizBlock__feedback\" role=\"status\" hidden><\/p><div class=\"quizBlock__explanation\" hidden>Vous ne devez plus, notamment contracter de nouvelles dettes ou de nouvelles garanties (caution par exemple), payer vos cr\u00e9dits et vos d\u00e9couverts, payer vos arri\u00e9r\u00e9s de loyer et factures. En revanche, vous devez payer vos charges du mois en cours et \u00e0 venir (loyer, \u00e9lectricit\u00e9, t\u00e9l\u00e9phone, etc.).<\/div><p class=\"quizBlock__error\" role=\"alert\" hidden><\/p><\/fieldset><fieldset class=\"quizBlock__question\" data-question-uid=\"q76\" data-type=\"single\"><legend class=\"quizBlock__legend\">Inform\u00e9e de l'acceptation de mon dossier par la commission, ma banque :<\/legend><img decoding=\"async\" class=\"quizBlock__questionImage\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/10\/iStock_000007583522XSmall.jpg?_t=1704817093\" alt=\"\" loading=\"lazy\"><ul class=\"quizBlock__answers\"><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz11-q76\" value=\"a214\" data-correct=\"1\"><span class=\"quizBlock__answerText\">doit me proposer un rendez-vous pour discuter du fonctionnement de mon compte et de mes moyens de paiement<\/span><\/label><\/li><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz11-q76\" value=\"a215\" data-correct=\"0\"><span class=\"quizBlock__answerText\">peut fermer mon compte bancaire<\/span><\/label><\/li><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz11-q76\" value=\"a216\" data-correct=\"0\"><span class=\"quizBlock__answerText\">peut exiger le remboursement de mon cr\u00e9dit<\/span><\/label><\/li><\/ul><p class=\"quizBlock__feedback\" role=\"status\" hidden><\/p><div class=\"quizBlock__explanation\" hidden>Pour accompagner les personnes surendett\u00e9es, les banques ont adopt\u00e9 un certain nombre de mesures. Votre banque doit ainsi notamment vous proposer un rendez-vous, pour discuter du fonctionnement de votre compte et de vos moyens de paiement.<\/div><p class=\"quizBlock__error\" role=\"alert\" hidden><\/p><\/fieldset><fieldset class=\"quizBlock__question\" data-question-uid=\"q77\" data-type=\"single\"><legend class=\"quizBlock__legend\">Combien va me co\u00fbter la proc\u00e9dure de surendettement ?<\/legend><img decoding=\"async\" class=\"quizBlock__questionImage\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/10\/F0009009.jpg?_t=1704817173\" alt=\"\" loading=\"lazy\"><ul class=\"quizBlock__answers\"><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz11-q77\" value=\"a217\" data-correct=\"1\"><span class=\"quizBlock__answerText\">C'est gratuit<\/span><\/label><\/li><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz11-q77\" value=\"a218\" data-correct=\"0\"><span class=\"quizBlock__answerText\">50 euros de frais de dossier<\/span><\/label><\/li><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz11-q77\" value=\"a219\" data-correct=\"0\"><span class=\"quizBlock__answerText\">2% du montant des cr\u00e9ances restant dues<\/span><\/label><\/li><\/ul><p class=\"quizBlock__feedback\" role=\"status\" hidden><\/p><div class=\"quizBlock__explanation\" hidden>La proc\u00e9dure \u00e0 la commission de surendettement est enti\u00e8rement gratuite.<\/div><p class=\"quizBlock__error\" role=\"alert\" hidden><\/p><\/fieldset><div class=\"quizBlock__controls\" hidden><button type=\"button\" class=\"quizBlock__button quizBlock__button--previous\" data-wp-on--click=\"actions.previous\"><\/button><button type=\"button\" class=\"quizBlock__button quizBlock__button--next\" data-wp-on--click=\"actions.next\"><\/button><button type=\"submit\" class=\"quizBlock__button quizBlock__button--submit\"><\/button><\/div><\/form><div class=\"quizBlock__result\" role=\"status\" aria-live=\"polite\" 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Comment savoir si on est surendett\u00e9 et comment r\u00e9agir ? 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