{"id":328407,"date":"2014-09-24T19:15:21","date_gmt":"2014-09-24T23:15:21","guid":{"rendered":"https:\/\/dev.totemweb.design\/macommunaute\/chroniques\/u21768-devrais-je-declarer-faillite\/"},"modified":"2022-11-06T19:40:45","modified_gmt":"2022-11-07T00:40:45","slug":"u21768-devrais-je-declarer-faillite","status":"publish","type":"chroniques","link":"https:\/\/dev.totemweb.design\/macommunaute\/chroniques\/u21768-devrais-je-declarer-faillite\/","title":{"rendered":"Devrais-je d\u00e9clarer faillite?"},"content":{"rendered":"
\n

Par Fred Lachance, syndic de faillite chez MNP.<\/p>\n

On m\u2019a souvent pos\u00e9 cette question et il n\u2019existe pas de r\u00e9ponse toute faite. Dans presque tous les cas, la faillite devrait \u00eatre l\u2019option \u00e0 consid\u00e9rer apr\u00e8s avoir explor\u00e9 toutes les autres et conclu avec certitude qu\u2019il vous est impossible de rembourser vos dettes. Toutefois, avant d\u2019opter pour la faillite, il serait bon de tenter d\u2019obtenir un pr\u00eat vous permettant de consolider vos dettes ou d\u2019\u00e9valuer ce que la proposition de consommateur peut vous offrir. Si votre situation financi\u00e8re n\u2019est pas catastrophique, peut-\u00eatre serez-vous en mesure d\u2019\u00e9valuer vos possibilit\u00e9s d\u2019\u00e9pargne, de mettre en place un budget strict et de rembourser vos dettes impay\u00e9es.<\/p>\n

Si ces autres options n\u2019ont pas fonctionn\u00e9, il est peut-\u00eatre temps de consid\u00e9rer la faillite. Le processus li\u00e9 \u00e0 la faillite n\u2019est pas compliqu\u00e9. Il vous lib\u00e9rera de la plupart de vos dettes, mais prendra du temps (de\u00a09\u00a0\u00e0\u00a036\u00a0mois, voire plus dans certains cas). De plus, il nuira \u00e0 votre cote de cr\u00e9dit pendant des ann\u00e9es.<\/p>\n

Souvent, les gens pensent d\u2019abord \u00e0 la faillite parce qu\u2019elle est la plus connue des options et qu\u2019elle peut s\u2019av\u00e9rer plus abordable. Elle peut aussi se mettre en branle rapidement, vous offrant ainsi une tranquillit\u00e9 d\u2019esprit et emp\u00eachant ou freinant toute action en justice intent\u00e9e contre vous.<\/p>\n

Avant de d\u00e9clarer faillite, vous devriez consulter un syndic reconnu, comme ceux de MNP Lt\u00e9e. Nos syndics pourront vous aider \u00e0 explorer les diff\u00e9rentes options et \u00e0 d\u00e9terminer celle qui convient le mieux \u00e0 votre situation, que ce soit la faillite ou une autre.\u200b<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Je suis endett\u00e9(e). Devrais-je d\u00e9clarer faillite?<\/p>\n

read more<\/a><\/p>","protected":false},"author":6758,"featured_media":74341,"comment_status":"open","ping_status":"closed","template":"","thematiques":[],"regions":[80],"class_list":["post-328407","chroniques","type-chroniques","status-publish","has-post-thumbnail","hentry","regions-montreal"],"acf":[],"yoast_head":"\nDevrais-je d\u00e9clarer faillite? - Ma Communaut\u00e9<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Devrais-je d\u00e9clarer faillite? - Ma Communaut\u00e9\" \/>\n<meta property=\"og:description\" content=\"Je suis endett\u00e9(e). 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