{"id":1330,"date":"2025-05-15T09:25:15","date_gmt":"2025-05-15T13:25:15","guid":{"rendered":"https:\/\/www.argentmaintenant.com\/blogue\/?p=1330"},"modified":"2025-05-15T09:25:15","modified_gmt":"2025-05-15T13:25:15","slug":"3-consequences-dune-faillite-personnelle-et-5-facons-de-leviter","status":"publish","type":"post","link":"https:\/\/www.argentmaintenant.com\/blogue\/finance\/3-consequences-dune-faillite-personnelle-et-5-facons-de-leviter\/","title":{"rendered":"3 cons\u00e9quences d\u2019une faillite personnelle et 5\u202ffa\u00e7ons de l&rsquo;\u00e9viter"},"content":{"rendered":"<p><span data-contrast=\"auto\">La faillite personnelle survient quand on n\u2019arrive plus \u00e0 payer ses dettes. C\u2019est un proc\u00e9d\u00e9 judiciaire qui vous permet de vous lib\u00e9rer de la majorit\u00e9 de vos dettes en l\u2019\u00e9change de certains de vos biens. Pour bien des gens, c\u2019est une \u00e9preuve tr\u00e8s stressante qui peut sembler comme un \u00e9chec. Toutefois, c\u2019est parfois la meilleure solution pour se donner les chances de repartir \u00e0 neuf. <\/span><span data-contrast=\"none\">Comme toute d\u00e9marche de ce type, une cons\u00e9quence faillite personnelle peut \u00eatre lourde, notamment sur votre dossier de cr\u00e9dit, vos biens ou votre bien-\u00eatre.<\/span><span data-contrast=\"auto\"> En voici quelques-unes, ainsi que quelques astuces pour \u00e9viter d\u2019en arriver \u00e0 ce point.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<h2><span data-contrast=\"none\">3 grandes cons\u00e9quences\u202f<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h2>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Il y a plusieurs cons\u00e9quences \u00e0 la faillite personnelle. C\u2019est pourquoi il ne faut pas prendre ce processus \u00e0 la l\u00e9g\u00e8re. Voici 3 grandes cons\u00e9quences d\u2019une faillite personnelle\u202f:<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\">\n<h3><span data-contrast=\"none\">Impact sur le dossier de cr\u00e9dit<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h3>\n<\/li>\n<\/ul>\n<p><span data-ccp-props=\"{&quot;335559685&quot;:720}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">L\u2019impact sur le <\/span><a href=\"https:\/\/lautorite.qc.ca\/grand-public\/dossier-de-credit\"><span data-contrast=\"none\">dossier de cr\u00e9dit<\/span><\/a><span data-contrast=\"auto\"> est une des cons\u00e9quences les plus directes de d\u00e9clarer faillite. La faillite appara\u00eetra sur votre dossier de cr\u00e9dit durant six \u00e0 sept ans apr\u00e8s votre lib\u00e9ration pour une premi\u00e8re faillite. Si vous d\u00e9clarez faillite plus d\u2019une fois, la mention pourra \u00eatre pr\u00e9sente \u00e0 votre dossier pour une dur\u00e9e de 14\u202fans. Avoir un mauvais dossier de cr\u00e9dit peut appara\u00eetre comme une cons\u00e9quence abstraite. Par contre, c\u2019est un impact bien concret pour tout projet demandant du cr\u00e9dit\u202f: achat d\u2019une voiture ou d\u2019une maison, demande de carte de cr\u00e9dit, d\u00e9marrage d\u2019une petite entreprise, etc.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Quand vous d\u00e9clarez faillite, c\u2019est parce que vous n\u2019avez pas pu rembourser vos dettes \u00e0 temps et qu\u2019elles se sont accumul\u00e9es au point d\u2019arriver au surendettement. Logiquement, un pr\u00eateur h\u00e9sitera donc \u00e0 vous offrir un montant d\u2019argent. C\u2019est pourquoi les gens ayant fait une faillite personnelle auront plus de difficult\u00e9 \u00e0 obtenir des emprunts, et surtout \u00e0 des conditions avantageuses. Si on accepte de leur faire un emprunt, ce sera avec un taux d\u2019int\u00e9r\u00eat g\u00e9n\u00e9ralement \u00e9lev\u00e9. Sachez toutefois que certains pr\u00eateurs ne tiennent pas compte du dossier de cr\u00e9dit. C\u2019est le cas notamment de certaines <\/span><a href=\"https:\/\/www.argentmaintenant.com\/faq\/\"><span data-contrast=\"none\">marges de cr\u00e9dit en ligne<\/span><\/a><span data-contrast=\"auto\">.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\">\n<h3><span data-contrast=\"none\">La perte de bien<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h3>\n<\/li>\n<\/ul>\n<p><span data-ccp-props=\"{&quot;335559685&quot;:720}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">La perte de biens est aussi une cons\u00e9quence marquante de la faillite personnelle. C\u2019est d\u2019ailleurs ce qui d\u00e9marque cette solution des autres voix pour rem\u00e9dier \u00e0 un endettement important, comme la proposition de consommateur. Certains biens sont prot\u00e9g\u00e9s et ne peuvent \u00eatre saisis, comme de l\u2019\u00e9quipement n\u00e9cessaire \u00e0 votre travail et un minimum de v\u00eatements et d\u2019autres articles n\u00e9cessaires. Toutefois, il est possible qu\u2019on saisisse des objets de valeur, des meubles, une voiture ou m\u00eame une maison.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\">\n<h3><span data-contrast=\"none\">Impact sur la sant\u00e9 mentale<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h3>\n<\/li>\n<\/ul>\n<p><span data-ccp-props=\"{&quot;335559685&quot;:720}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Le stress financier peut avoir un effet tr\u00e8s n\u00e9faste sur la sant\u00e9 mentale. Comme il y a un certain tabou entourant le fait de faire faillite, ce peut \u00eatre une \u00e9preuve difficile \u00e0 surpasser. Toutefois, pour d\u2019autres personnes, la faillite permet un certain soulagement. Comme les dettes sont effac\u00e9es, c\u2019est un processus qui permet de faire table rase et de recommencer \u00e0 z\u00e9ro, sur de meilleures bases. C\u2019est aussi moins stressant que de demeurer de nombreuses ann\u00e9es en situation de surendettement.\u00a0<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<h2><span data-contrast=\"none\">Comment \u00e9viter la faillite ?<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h2>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Dans certaines situations de surendettement, la faillite est la meilleure solution. Toutefois, c\u2019est bel et bien une situation de dernier recours. Compte tenu des cons\u00e9quences sur le dossier de cr\u00e9dit et du risque de perdre des biens, l\u2019id\u00e9al est d\u2019\u00e9viter d\u2019en arriver \u00e0 ce point. Voici quelques astuces pour y arriver\u202f:<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"4\" data-aria-level=\"1\">\n<h3><span data-contrast=\"none\">Garder son niveau d\u2019endettement \u00e0 l\u2019\u0153il<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h3>\n<\/li>\n<\/ul>\n<p><span data-ccp-props=\"{&quot;335559685&quot;:720}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Si beaucoup de dettes et que vous utilisez souvent votre carte de cr\u00e9dit, prenez l\u2019habitude de surveiller votre taux d\u2019endettement. Assurez-vous que vous \u00eates en mesure de faire vos remboursements actuels avant d\u2019engager des d\u00e9penses suppl\u00e9mentaires. M\u00e9fiez-vous particuli\u00e8rement des cartes de cr\u00e9dit, car le taux d\u2019int\u00e9r\u00eat \u00e9lev\u00e9 li\u00e9 \u00e0 ces derni\u00e8res peut faire exploser votre taux d\u2019endettement rapidement.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"5\" data-aria-level=\"1\">\n<h3><span data-contrast=\"none\">Avoir un budget solide<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h3>\n<\/li>\n<\/ul>\n<p><span data-ccp-props=\"{&quot;335559685&quot;:720}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Que vous ayez d\u00e9j\u00e0 des dettes importantes ou non, se b\u00e2tir un budget r\u00e9aliste, mais solide, vous permettra de bien contr\u00f4ler vos d\u00e9penses et de n\u2019oublier aucune de vos factures. Vous pourrez vous assurer que vos revenus sont suffisants et que tout est bien \u00e9quilibr\u00e9.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"6\" data-aria-level=\"1\">\n<h3><span data-contrast=\"none\">Se doter d\u2019un fonds d\u2019urgence<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h3>\n<\/li>\n<\/ul>\n<p><span data-ccp-props=\"{&quot;335559685&quot;:720}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Il n\u2019est pas rare qu\u2019un endettement important soit caus\u00e9 par un impr\u00e9vu\u202f: un \u00e9lectrom\u00e9nager qui se brise, une grosse contravention ou une mise \u00e0 pied inattendue. Si votre budget est \u00e9quilibr\u00e9, mais serr\u00e9, une grosse d\u00e9pense mise sur une carte de cr\u00e9dit peut vous faire tomber d\u2019un co\u00fbt dans une situation d\u2019endettement. Quand vous avez un bon fonds d\u2019urgence, vous \u00eates prot\u00e9g\u00e9. Si un incident se produit, il vous suffit d\u2019utiliser votre fonds et vous \u00e9vitez d\u2019ajouter une dette \u00e0 vos finances.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"7\" data-aria-level=\"1\">\n<h3><span data-contrast=\"none\">Consolider ses dettes<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h3>\n<\/li>\n<\/ul>\n<p><span data-ccp-props=\"{&quot;335559685&quot;:720}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Avant d\u2019en arriver \u00e0 la faillite, on vous conseillera souvent de consolider vos dettes. La consolidation de dettes consiste \u00e0 faire une demande d\u2019emprunt qui vous permettra de rembourser l\u2019ensemble de vos dettes d\u2019un coup. Puis, vous n\u2019avez qu\u2019\u00e0 rembourser cet emprunt. Le taux d\u2019int\u00e9r\u00eat sera plus bas que celui d\u2019une carte de cr\u00e9dit courante, votre endettement sera donc plus facile \u00e0 ma\u00eetriser et \u00e0 \u00e9liminer graduellement. Il y aura un impact sur votre cr\u00e9dit \u00e0 court terme, car il s\u2019agira d\u2019une dette additionnelle. Toutefois, \u00e0 mesure que vous faites vos remboursements, votre dossier s\u2019am\u00e9liorera de lui-m\u00eame.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"8\" data-aria-level=\"1\">\n<h3><span data-contrast=\"none\">Faire une proposition de consommateur ou s\u2019inscrire au d\u00e9p\u00f4t volontaire<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h3>\n<\/li>\n<\/ul>\n<p><span data-ccp-props=\"{&quot;335559685&quot;:720}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Ces deux autres solutions sont aussi int\u00e9ressantes, surtout si vous voulez absolument \u00e9viter de risquer vos biens. Pour une proposition de consommateur, vous devez vous adresser \u00e0 un syndic de faillite qui vous permettra de r\u00e9diger une proposition \u00e0 vos cr\u00e9anciers. Vous rembourserez donc vos dettes, mais selon des modalit\u00e9s diff\u00e9rentes que vous serez en mesure de respecter. Pour le <\/span><a href=\"https:\/\/educaloi.qc.ca\/capsules\/le-depot-volontaire\/\"><span data-contrast=\"none\">d\u00e9p\u00f4t volontaire<\/span><\/a><span data-contrast=\"auto\">, vous devez vous adresser au palais de justice. Dans ce processus, vous vous engagez \u00e0 verser r\u00e9guli\u00e8rement une partie de votre revenu au greffe. Le taux d\u2019int\u00e9r\u00eat de vos dettes sera r\u00e9duit \u00e0 5\u202f%, et c\u2019est le greffe qui s\u2019occupera de rembourser vos cr\u00e9anciers.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Personne ne souhaite faire faillite, mais c\u2019est parfois l\u2019unique solution pour se sortir d\u2019un surendettement chronique. Si, par comble de malchance, un impr\u00e9vu se produit alors que vous vous remettez d\u2019une faillite, rappelez-vous que certains pr\u00eateurs offrent des services de <\/span><a href=\"https:\/\/www.argentmaintenant.com\/faq\/\"><span data-contrast=\"none\">marges de cr\u00e9dit sans se soucier de votre dossier de cr\u00e9dit<\/span><\/a><span data-contrast=\"auto\">. Attention ! C\u2019est une solution de dernier recours.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>La faillite personnelle survient quand on n\u2019arrive plus \u00e0 payer ses dettes. C\u2019est un proc\u00e9d\u00e9 judiciaire qui vous permet de [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":1331,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[],"class_list":["post-1330","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Cons\u00e9quences d\u2019une faillite personnelle et comment l\u2019\u00e9viter<\/title>\n<meta name=\"description\" content=\"Les cons\u00e9quences d\u2019une faillite personnelle sont s\u00e9rieuses. 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