{"id":1023,"date":"2019-03-12T15:16:08","date_gmt":"2019-03-12T19:16:08","guid":{"rendered":"http:\/\/caissealliance.absoludev.ca\/non-classifiee\/la-faillite\/"},"modified":"2019-05-16T10:33:29","modified_gmt":"2019-05-16T14:33:29","slug":"la-faillite","status":"publish","type":"post","link":"https:\/\/www.caissealliance.com\/fr\/particulier\/credit-pret-et-endettement\/la-faillite\/","title":{"rendered":"La faillite"},"content":{"rendered":"<p>La faillite devrait \u00eatre la derni\u00e8re solution \u00e0 envisager si vous ne pouvez plus respecter vos engagements financiers. C\u2019est une d\u00e9cision importante qui comporte de graves cons\u00e9quences. Quand une personne fait faillite, ses biens, sauf certains qui sont exempt\u00e9s par la loi, sont remis \u00e0 un fiduciaire. Ce dernier les vend et distribue l\u2019argent de la vente aux cr\u00e9anciers de la personne.<\/p>\n<h2>R\u00e9percussions de la faillite<\/h2>\n<ul>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">Certaines dettes seront annul\u00e9es imm\u00e9diatement, comme celles qui sont li\u00e9es aux cartes de cr\u00e9dit.<\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">D\u2019autres dettes seront maintenues, comme la pension alimentaire pour enfants, les imp\u00f4ts, etc.<\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">Emprunter pourrait vous co\u00fbter plus cher.<\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">La faillite peut demeurer quelques ann\u00e9es dans votre dossier de cr\u00e9dit.<\/li>\n<\/ul>\n<h2>Signes avant-coureurs de la faillite<\/h2>\n<h3>Comment savoir si vous vous dirigez tout droit vers la faillite?<\/h3>\n<ul>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">Vous ne faites pas de budget.<\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">Vous n\u2019avez aucun contr\u00f4le de vos d\u00e9penses.<\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">Vous n\u2019avez pas de coussin de s\u00e9curit\u00e9 (un fonds d\u2019urgence).<\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">Vous avez achet\u00e9 une maison que vous n\u2019avez pas les moyens de payer.<\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">Vous avez achet\u00e9 une voiture que vous n\u2019avez pas les moyens de payer.<\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">Vous utilisez les cartes de cr\u00e9dit sans discernement.<\/li>\n<\/ul>\n<p>Si vous vous reconnaissez dans ces signes avant-coureurs, il est grand temps de renverser la vapeur.<\/p>\n<h3>Le saviez-vous?<\/h3>\n<p>Que votre caisse populaire met \u00e0 votre disposition une section compl\u00e8te sur les finances personnelles intitul\u00e9e <a href=\"https:\/\/www.caissealliance.com\/fr\/particulier\/budget-et-finances-personnelles\/gerez-vos-finances-au-quotidien\/\" target=\"_blank\" rel=\"noopener\">G\u00e9rez vos finances au quotidien<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>La faillite devrait \u00eatre la derni\u00e8re solution \u00e0 envisager si vous ne pouvez plus respecter vos engagements financiers. C\u2019est une d\u00e9cision importante qui comporte de graves cons\u00e9quences. Quand une personne fait faillite, ses biens, sauf certains qui sont exempt\u00e9s par la loi, sont remis \u00e0 un fiduciaire. Ce dernier les vend et distribue l\u2019argent de [&#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":[59],"tags":[],"class_list":["post-1023","post","type-post","status-publish","format-standard","hentry","category-credit-pret-et-endettement"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>La faillite | 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\/credit-pret-et-endettement\/la-faillite\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"La faillite | Caisse Alliance\" \/>\n<meta property=\"og:description\" content=\"La faillite devrait \u00eatre la derni\u00e8re solution \u00e0 envisager si vous ne pouvez plus respecter vos engagements financiers. 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