{"id":1004,"date":"2019-03-12T15:15:41","date_gmt":"2019-03-12T19:15:41","guid":{"rendered":"http:\/\/caissealliance.absoludev.ca\/non-classifiee\/etape-3-remboursez-vos-dettes\/"},"modified":"2019-05-16T13:24:31","modified_gmt":"2019-05-16T17:24:31","slug":"etape-3-remboursez-vos-dettes","status":"publish","type":"post","link":"https:\/\/www.caissealliance.com\/fr\/particulier\/epargne\/etape-3-remboursez-vos-dettes\/","title":{"rendered":"\u00c9tape 3 \u2013 Remboursez vos dettes"},"content":{"rendered":"<p>Parce que vous \u00eates peut-\u00eatre de ceux qui multiplient les achats \u00e0 cr\u00e9dit au d\u00e9triment de l\u2019\u00e9pargne, il est important de r\u00e9gler d\u2019abord vos dettes.<\/p>\n<h2>Comment se sortir de l\u2019endettement?<\/h2>\n<p><strong>1- Commencez par sortir vos derniers relev\u00e9s de comptes<\/strong> concernant vos dettes.<\/p>\n<p><strong>2- Vous devez y lister toutes vos dettes, y compris :<\/strong><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li data-gc-list-depth=\"2\" data-gc-list-style=\"bullet\">le solde de vos cartes de cr\u00e9dit;<\/li>\n<li data-gc-list-depth=\"2\" data-gc-list-style=\"bullet\">le solde de vos marges de cr\u00e9dit;<\/li>\n<li data-gc-list-depth=\"2\" data-gc-list-style=\"bullet\">la pension alimentaire;<\/li>\n<li data-gc-list-depth=\"2\" data-gc-list-style=\"bullet\">les imp\u00f4ts;<\/li>\n<li data-gc-list-depth=\"2\" data-gc-list-style=\"bullet\">le solde de vos financements \u00ab achetez maintenant et payez plus tard \u00bb (meubles, \u00e9lectrom\u00e9nagers, etc.);<\/li>\n<li data-gc-list-depth=\"2\" data-gc-list-style=\"bullet\">les comptes non pay\u00e9s (t\u00e9l\u00e9phone, \u00e9lectricit\u00e9, t\u00e9l\u00e9phone cellulaire, Internet);<\/li>\n<li data-gc-list-depth=\"2\" data-gc-list-style=\"bullet\">le solde de vos pr\u00eats automobile ou \u00e9tudiant;<\/li>\n<li data-gc-list-depth=\"2\" data-gc-list-style=\"bullet\">les pr\u00eats consentis par un ami ou un membre de votre famille;<\/li>\n<li data-gc-list-depth=\"2\" data-gc-list-style=\"bullet\">les avances sur le salaire, etc.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><strong>3- Choisissez l\u2019ordre de remboursement de vos dettes<\/strong><\/p>\n<p>Il existe 2 fa\u00e7ons de rembourser vos dettes. Il est possible de prendre de bonnes r\u00e9solutions \u00e0 tout moment dans l\u2019ann\u00e9e. Allez-y, lancez-vous dans le remboursement prioritaire de vos dettes. Voir l&#8217;article:\u00a0<a href=\"https:\/\/www.caissealliance.com\/fr\/particulier\/credit-pret-et-endettement\/comment-reduire-vos-frais-dinterets\/\" target=\"_blank\" rel=\"noopener\">Comment r\u00e9duire vos frais d\u2019int\u00e9r\u00eats?<\/a><\/p>\n<p><strong>Le saviez-vous?<\/strong><\/p>\n<p>Il est recommand\u00e9 de b\u00e2tir un plan de remboursement de vos dettes qui s\u2019\u00e9chelonne sur une p\u00e9riode maximale de 3 ans (36 mois). Il est prouv\u00e9 qu\u2019apr\u00e8s cette p\u00e9riode, la majorit\u00e9 des endett\u00e9s sont victimes d\u2019un ph\u00e9nom\u00e8ne appel\u00e9 \u00ab essoufflement \u00bb et recommencent \u00e0 d\u00e9penser au d\u00e9triment du remboursement de leurs dettes. Certains retombent dans les pi\u00e8ges du cr\u00e9dit jusqu\u2019\u00e0 devoir d\u00e9clarer faillite. <strong>Planifier ses remboursements sur une p\u00e9riode maximale de 3 ans<\/strong> est exigeant, mais c\u2019est l\u2019occasion de devenir libre de toute dette rapidement.<\/p>\n<p>Pour en savoir plus sur <a href=\"https:\/\/www.caissealliance.com\/fr\/particulier\/credit-pret-et-endettement\/la-faillite\/\" target=\"_blank\" rel=\"noopener\">La faillite<\/a>.<\/p>\n<p><strong>4- S\u2019il vous semble impossible d\u2019arriver \u00e0 payer vos dettes en 3 ans<\/strong>, il existe des moyens pour \u00e9conomiser sur les frais d\u2019int\u00e9r\u00eats et des mesures de redressement qui vous feront gagner du temps.<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li data-gc-list-depth=\"2\" data-gc-list-style=\"bullet\">Consultez l&#8217;article: <a href=\"https:\/\/www.caissealliance.com\/fr\/particulier\/credit-pret-et-endettement\/comment-reduire-vos-frais-dinterets\/\" target=\"_blank\" rel=\"noopener\">Comment r\u00e9duire vos frais d\u2019int\u00e9r\u00eats?<\/a><\/li>\n<li data-gc-list-depth=\"2\" data-gc-list-style=\"bullet\">Consultez l&#8217;article: <a href=\"https:\/\/www.caissealliance.com\/fr\/particulier\/credit-pret-et-endettement\/les-solutions-au-surendettement\/\" target=\"_blank\" rel=\"noopener\">Les solutions au surendettement<\/a><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><strong>5- Faites part de votre plan \u00e0 quelqu\u2019un<\/strong> que vous estimez beaucoup. L\u2019id\u00e9e est de vous mettre un peu de pression pour vous faire travailler plus fort \u00e0 la difficile t\u00e2che de rembourser vos dettes.<\/p>\n<p><strong>Le saviez-vous?<\/strong><\/p>\n<p>Vous n\u2019\u00eates donc pas seul \u00e0 vivre au quotidien avec le stress de l\u2019endettement. Mais rassurez-vous, les solutions \u00e0 votre probl\u00e8me ne sont pas tr\u00e8s loin. Consultez l&#8217;article:\u00a0<a href=\"https:\/\/www.caissealliance.com\/fr\/particulier\/budget-et-finances-personnelles\/des-cas-comme-le-mien-et-les-conseils-dun-planificateur-financier\/\" target=\"_blank\" rel=\"noopener\">Des cas comme le mien et les conseils d\u2019un planificateur financier<\/a><\/p>\n<h3><strong>Pour aller plus loin<\/strong><\/h3>\n<p>Apr\u00e8s avoir \u00e9labor\u00e9 un plan de remboursement de vos dettes et l\u2019avoir mis \u00e0 ex\u00e9cution, vous aurez (lentement, mais s\u00fbrement) plus d\u2019argent \u00e0 allouer \u00e0 votre fonds d\u2019urgence. Pour savoir pourquoi il est important de se constituer un fonds d\u2019urgence. Voir article:\u00a0<a href=\"https:\/\/www.caissealliance.com\/fr\/particulier\/epargne\/constituez-un-fonds-durgence\/\" target=\"_blank\" rel=\"noopener\">Constituez un fonds d\u2019urgence<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Parce que vous \u00eates peut-\u00eatre de ceux qui multiplient les achats \u00e0 cr\u00e9dit au d\u00e9triment de l\u2019\u00e9pargne, il est important de r\u00e9gler d\u2019abord vos dettes. 1- Commencez par sortir vos derniers relev\u00e9s de comptes concernant vos dettes. 2- Vous devez y lister toutes vos dettes, y compris : le solde de vos cartes de cr\u00e9dit; [&#8230;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[50],"tags":[],"class_list":["post-1004","post","type-post","status-publish","format-standard","hentry","category-epargne"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u00c9tape 3 \u2013 Remboursez vos dettes | Caisse Alliance<\/title>\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.caissealliance.com\/fr\/particulier\/epargne\/etape-3-remboursez-vos-dettes\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u00c9tape 3 \u2013 Remboursez vos dettes | Caisse Alliance\" \/>\n<meta property=\"og:description\" content=\"Parce que vous \u00eates peut-\u00eatre de ceux qui multiplient les achats \u00e0 cr\u00e9dit au d\u00e9triment de l\u2019\u00e9pargne, il est important de r\u00e9gler d\u2019abord vos dettes. 1- Commencez par sortir vos derniers relev\u00e9s de comptes concernant vos dettes. 2- Vous devez y lister toutes vos dettes, y compris : le solde de vos cartes de cr\u00e9dit; 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