Over-indebtedness - I am over-indebted ...


The situation of over-indebtedness

You are over-indebted if you find yourself in a personal budgetary situation that no longer allows you to pay your creditors. In addition, your assets are also taken into account in order to see if it is not possible by reselling a property to improve your budget situation.
Warning ! Debts to the State (taxes!) Or professional debts cannot be taken into account.

Who can declare themselves over-indebted?

An individual, a household which, because of a situation, can no longer repay its debts, its loans. A balance sheet is then established between your resources (salaries, income ...) and your expenses (rent, taxes, credits and commitments ...). The events that led to this situation are what we modestly call the "accidents of life":

  • you or your spouse lost your job
  • you divorced
  • you are the victim of an accident or illness that affected your income and expenses
  • you lost your spouse .

Who cannot apply for the over-indebtedness procedure?

Excluded are people who have voluntarily organized their over-indebtedness, either:

  • by having "failed" to report current loans when taking out a new loan
  • by lying or falsifying documents in order to obtain credit
  • if the resale of a good makes it possible to balance credits and to clean up your budget (one cannot declare oneself over-indebted and drive in a brand new 4x4!).

In short

You must be declared in good faith and not have put yourself in a situation of over-indebtedness.
If your good faith is not recognized, the commission will rule your case inadmissible. Back to square one.



A loan commits you and must be repaid.
Check your repayment capacity before you commit.

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