{"id":1063,"date":"2023-07-15T11:35:06","date_gmt":"2023-07-15T09:35:06","guid":{"rendered":"https:\/\/regbu.com\/?p=1063"},"modified":"2025-09-05T07:41:17","modified_gmt":"2025-09-05T05:41:17","slug":"osobni-bankrot-jako-cesta-z-dluhu","status":"publish","type":"post","link":"https:\/\/regbu.com\/fr\/banque-personnelle-pour-sortir-de-lendettement\/","title":{"rendered":"La faillite personnelle comme moyen de sortir de l'endettement"},"content":{"rendered":"<p>La faillite personnelle est l'un des moyens l\u00e9gaux de sortir de l'endettement. Si vous abusez de certaines des <strong><a href=\"https:\/\/regbu.com\/fr\/types-de-prets-apprendre-a-les-connaitre\/\">les types de pr\u00eats<\/a><\/strong> et que vous avez plus de dettes que vous ne pouvez en rembourser, c'est l\u00e0 qu'intervient l'all\u00e8gement de la dette. Il arrive que l'on parle aussi de faillite personnelle.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Proc\u00e9dures d'insolvabilit\u00e9<\/li>\n\n\n\n<li>Remboursement d'une partie du passif<\/li>\n\n\n\n<li>Mettre fin \u00e0 l'endettement<\/li>\n<\/ul>\n\n\n\n<p>Ce type de faillite ne peut \u00eatre d\u00e9clar\u00e9 que par un d\u00e9biteur qui <em>n'est pas en mesure de s'acquitter de ses obligations \u00e0 l'\u00e9gard de ses cr\u00e9anciers<\/em>. Bien entendu, si vous souhaitez b\u00e9n\u00e9ficier de cette option, vous ne devez pas disposer d'un patrimoine important. En effet, ceux-ci peuvent \u00eatre vendus pour payer les dettes. La faillite personnelle ne peut donc pas \u00eatre utilis\u00e9e \u00e0 bon escient.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">La faillite personnelle et ses conditions<\/h2>\n\n\n\n<p>La base de tout est donc l'insolvabilit\u00e9 financi\u00e8re du d\u00e9biteur. Il existe en outre un certain nombre d'autres conditions. Celles-ci doivent \u00eatre remplies, faute de quoi toute <strong>demande d'all\u00e8gement de la dette<\/strong> ... il va le nier. Si vous voulez savoir quelles sont les exigences, lisez le tableau ci-dessous.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Sujet<\/strong><\/td><td><strong>Information<\/strong><\/td><\/tr><tr><td>Nombre de cr\u00e9anciers<\/td><td>Quantit\u00e9 plus importante<\/td><\/tr><tr><td>Dettes<\/td><td>En retard d'au moins 30 jours<\/td><\/tr><tr><td>All\u00e8gement de la dette<\/td><td>Paiement de 30 dettes % dans 5 ans<\/td><\/tr><tr><td>Alternative \u00e0 l'all\u00e8gement de la dette<\/td><td>Remboursement de 60 % en 3 ans<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Informations de base sur la faillite personnelle.<\/figcaption><\/figure>\n\n\n\n<p>Comme les obligations l\u00e9gislatives changent de temps en temps, ces chiffres peuvent varier dans une certaine mesure. Ce qui est clair, cependant, c'est qu'avec l'aide de la faillite personnelle, vous pouvez assainir votre situation en ne payant qu'une partie de vos dettes.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Informations compl\u00e9mentaires<\/h3>\n\n\n\n<p>Il convient de noter que ce type de r\u00e8glement de dettes est principalement destin\u00e9 aux personnes physiques, qu'il s'agisse de personnes ordinaires, de consommateurs ou d'entrepreneurs. Il n'y a pas d'exception <strong>all\u00e8gement de la dette matrimoniale<\/strong>qui est couramment pratiqu\u00e9e. Pour d\u00e9clarer la faillite, tout doit \u00eatre pr\u00e9c\u00e9d\u00e9 par le d\u00e9p\u00f4t d'une requ\u00eate en vue d'obtenir une ordonnance de faillite. Elle est confi\u00e9e aux personnes charg\u00e9es de son traitement, car elle doit contenir les \u00e9l\u00e9ments appropri\u00e9s.<\/p>\n\n\n\n<p>La faillite personnelle peut bien s\u00fbr \u00eatre rejet\u00e9e. \u00c0 condition que toutes les conditions l\u00e9gales ne soient pas remplies. Ou que l'intention malhonn\u00eate soit prouv\u00e9e. Dans le cadre d'une faillite personnelle, le d\u00e9biteur se pr\u00e9pare \u00e0 ne conserver que le minimum vital et \u00e0 consacrer le reste au remboursement des dettes. Une partie des dettes sera \u00e9galement r\u00e9gl\u00e9e par la vente d'actifs.<\/p>","protected":false},"excerpt":{"rendered":"<p>La faillite personnelle est l'un des moyens l\u00e9gaux de sortir de l'endettement. Si vous d\u00e9passez vos limites avec certains types de pr\u00eats et que vous vous retrouvez avec plus de dettes que vous ne pouvez en rembourser, l'all\u00e8gement de la dette entre en jeu. On parle aussi parfois de faillite personnelle. Ce type de faillite ne peut \u00eatre d\u00e9clar\u00e9 que par un d\u00e9biteur qui n'est pas en mesure de payer ses cr\u00e9anciers. ... <\/p>","protected":false},"author":2,"featured_media":1064,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[1138,665,1143,326,1140,1141,1139,1137,331,1142],"class_list":["post-1063","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-bankrot","tag-dluhy","tag-dluznik","tag-finance","tag-insolvence","tag-insolvencni-rizeni","tag-oddluzeni","tag-osobni-bankrot","tag-penize","tag-veritele"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Osobn\u00ed bankrot jako cesta z\u00a0dluh\u016f - REGBU.COM<\/title>\n<meta name=\"description\" content=\"Osobn\u00ed bankrot je jednou z mo\u017enost\u00ed, jak se oddlu\u017eit. 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