indebtedness

Personal debt is a phenomenon that is present in several countries at levels more or less developed. In developed countries where the demand for credit is easier and where initiative is encouraged, individuals or families may find themselves, for various reasons, unable to repay their debts, but also to be no hope to get out of this embarrassing situation. For these people, some states have set up social procedures, called "bankruptcy" or "social recovery" which are accompanied by an economic tutelage. Before undertaking such procedures, and after trying unsuccessfully to speak with your creditors, a person may obtain an agreement to see reduced debt. This process is intended for all those who are no longer able to meet their debts as non-business debts arising from a consumer credit, rent ... A record shall be submitted to the debt commission. If the application is refused, an appeal may be filed in court. The debt commission proposes then a recovery plan that is planning the development of debt and the amount needed to live after the acquittal that can not be less than the SMI. Personal bankruptcy is a procedure that allows a person to start from scratch when it is no longer able to pay its debts, characterized by the inability to implement measures of treatment, even with the help of debt commission. Record debt

To request a record of over-indebtedness, it is enough to send a file to the debt commission. If that will then examine to see if your application is admissible, depending on your family situation, your various debts of course, and your state of indebtedness. After examination, the debt commission will accept or decline your application. To be accepted, the record must show that the debt is real, you need to be consider in good faith, the application must be signed and fully completed the file. Importantly, if you are a farmer, merchant or artisan, you can not request a record of debt because these occupations are subject to special rules.

Debt commission

The Household Debt Commissions were created December 31, 1989, by law Neiertz. This law allows for the first time in France a legal treatment for the debt. It is the Bank of France as its secretariat. A debt commission is present in every department but the prefect may create others as needed.

The debt commission is composed of six persons subject to an obligation of confidentiality. These people are the prefect, the Paymaster General, the Chief Tax Services, the local representative of the Banque de France, a representative consumer organizations, representatives of credit institutions and investment firms, a lawyer and a consultant social and family economics.

These people will undertake a review of the admissibility of your case and they paint a global picture of your debt. A negotiation begins between the board and your creditors and certain measures are taken.

Ease bills

Did you know that there are ways to reduce your bills? All depends on your current situation HEATING: € 150 for non-taxable heating with heating oil. Request to the Treasury before June 30, 2008. ELECTRICITY: reduction (30 to 50%, depending on family composition) of the subscription price and the first 100 KW for people whose income is below € 5,520 per year. Intelligence 0800333123 (free). PHONE: France Telecom subscription to € 6.49 (instead of € 16) for holders of RMI, the specific solidarity allowance or allowance for disabled adults. To receive the discount, you must contact the agency that pays the benefit (CCAS, Assedic, Caf). RENT: financial assistance (loan or grant) awarded by the Housing Solidarity Fund (FSL), at the departmental level. Aid may also be made for water bills and energy. Contact town hall