The law allows people who can not cope with their debt to non-occupational initiate a debt overhang. This procedure is free.
The seizure of the debt commission
In principle the seizure of the debt commission be effected by the submission of the statement of indebtedness is sent by ordinary mail or deposited with the secretariat Commission.
+ File of indebtedness
This file consists of indebtedness of the following: •
the family composition (photocopy of the Family ...)
• income (salary slips, Assedic Family Allowances Fund ...) ;
• the assets (cars, real estate, including Savings Savings Plan Company ...) •
expenses (photocopies of rent receipts, Income Tax, Property Tax, Housing and TV license, Insurance ...) • the
bank statements;
• all debts must be mentioned, both tax debts, late rent, rental fees (...) the mortgages, personal revolving credit (...) made with financial institutions.
+ For more information on the back of indebtedness:
Kit indebtedness
Consideration of admissibility of the application
After the filing of the dossier, the debt commission the first reviews to determine its admissibility or not, so she made an inventory of the overall debt.
When the case is admissible, the debt commission decides its : plan of reorganization or personal recovery proceedings
conventional plan of reorganization or personal recovery proceedings
First, it negotiates a conventional plan of reorganization if this has not led to a result, it can make recommendations. The judge allows the execution to give them binding. He also intervenes in cases of appeal.
In case the debt commission found that the debtor has low resources, it can then initiate a procedure for personal recovery, she took it to the court of the execution.
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