{"id":460,"date":"2023-01-10T06:45:50","date_gmt":"2023-01-10T11:45:50","guid":{"rendered":"https:\/\/www.argentmaintenant.com\/blogue\/?p=460"},"modified":"2023-09-11T09:28:09","modified_gmt":"2023-09-11T13:28:09","slug":"quest-ce-que-le-pret-de-consolidation-de-dettes","status":"publish","type":"post","link":"https:\/\/www.argentmaintenant.com\/blogue\/credit\/quest-ce-que-le-pret-de-consolidation-de-dettes\/","title":{"rendered":"Qu\u2019est-ce que le pr\u00eat de consolidation de dettes\u2009?"},"content":{"rendered":"<p><span data-contrast=\"auto\">Quand les dettes s\u2019accumulent et qu\u2019on est au bout du rouleau, il est parfois difficile d\u2019en voir la fin. Sachez que, m\u00eame si vous \u00eates dans une situation pr\u00e9caire, il existe toujours de solution.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Avant de d\u00e9clarer faillite ou de recourir au d\u00e9p\u00f4t volontaire, sachez qu\u2019il est possible de faire un pr\u00eat de consolidation.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Bien s\u00fbr, l\u2019id\u00e9al est de <\/span><a href=\"https:\/\/www.argentmaintenant.com\/blogue\/budget\/quels-sont-les-meilleurs-modeles-de-budget-mensuel\/\"><span data-contrast=\"none\">modifier son budget<\/span><\/a><span data-contrast=\"auto\"> et d\u2019ajuster la tire avant qu\u2019il ne soit trop tard. Toutefois, l\u2019id\u00e9al n\u2019est pas toujours possible. Le pr\u00eat de consolidation n\u2019effacera pas vos dettes, mais il vous permettra de reprendre un peu plus le contr\u00f4le sur vos finances. La faillite est possible, mais, compte tenu de ses cons\u00e9quences sur votre dossier de cr\u00e9dit, elle doit \u00eatre vue comme un dernier recours.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Voici donc quelques points \u00e0 savoir quant au pr\u00eat de consolidation.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"auto\">Le pr\u00eat de consolidation\u202f: qu\u2019est-ce que c\u2019est\u2009?<\/span><\/b><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/h2>\n<p><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Le <\/span><a href=\"https:\/\/educaloi.qc.ca\/capsules\/la-consolidation-de-dettes\/\"><span data-contrast=\"none\">pr\u00eat de consolidation<\/span><\/a><span data-contrast=\"auto\"> consiste \u00e0 effectuer un emprunt \u00e0 la banque en vue de consolider ses dettes et de les rembourser d\u2019un seul coup. En bref, plut\u00f4t que de rembourser chacune de vos dettes une par une, vous recevez un pr\u00eat personnel correspondant au montant total de vos dettes. Puis, vous remboursez ce pr\u00eat \u00e0 l\u2019institution financi\u00e8re qui vous l\u2019a livr\u00e9.\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"auto\">Pourquoi faire une consolidation de dette\u2009?<\/span><\/b><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/h2>\n<p><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Choisir la consolidation de dette comporte plusieurs avantages.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&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><b><span data-contrast=\"auto\">Taux d\u2019int\u00e9r\u00eat plus bas<\/span><\/b><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/h3>\n<\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">D\u2019abord, les taux d\u2019int\u00e9r\u00eats des pr\u00eats personnels sont relativement bas. <\/span><a href=\"https:\/\/jeanfortin.com\/solutions\/consolidation-de-dettes\/#:~:text=Un%20tel%20pr%C3%AAt%20affiche%20habituellement,est%20clairement%20un%20choix%20avantageux.\"><span data-contrast=\"none\">Ils tournent souvent autour de 12 \u00e0 14\u202f%.<\/span><\/a><span data-contrast=\"auto\"> En comparaison, le taux d\u2019int\u00e9r\u00eat d\u2019une carte de cr\u00e9dit d\u00e9passe souvent les 20\u202f%. Si vous avez plusieurs paiements de cartes de cr\u00e9dit en d\u00e9faut, les int\u00e9r\u00eats deviennent rapidement \u00e9touffants. Une consolidation de dette peut alors \u00eatre une bonne solution.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Toutefois, si les taux d\u2019int\u00e9r\u00eats de vos dettes sont sous le seuil des 12\u202f%, vaut mieux bien peser le pour et le contre, car votre pr\u00eat de consolidation de dette pourrait vous revenir plus cher.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&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><b><span data-contrast=\"auto\">Simplicit\u00e9 de paiement<\/span><\/b><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/h3>\n<\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">Quand on cumule les factures \u00e0 payer, il est facile de se sentir un peu d\u00e9pass\u00e9. La situation est encore pire si l\u2019on vit d\u00e9j\u00e0 du <\/span><a href=\"https:\/\/www.argentmaintenant.com\/blogue\/finance\/comment-vaincre-le-stress-financier-7-astuces\/\"><span data-contrast=\"none\">stress financier<\/span><\/a><span data-contrast=\"auto\">. N\u2019avoir qu\u2019un seul versement \u00e0 faire facilite grandement les choses. C\u2019est un poids de moins\u2009!<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Si vous avez perdu le fil de tous les comptes que vous devez payer et que certains oublis vous ont co\u00fbt\u00e9 cher, le pr\u00eat de consolidation peut \u00eatre une bonne solution \u00e9galement.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"auto\">Quelles sont les modalit\u00e9s de remboursement\u2009?<\/span><\/b><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/h2>\n<p><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Les modalit\u00e9s de paiement d\u2019un pr\u00eat de consolidation peuvent \u00eatre \u00e9chelonn\u00e9es sur plusieurs ann\u00e9es selon la capacit\u00e9 de remboursement de la personne. Par contre, plus la remise est \u00e9tir\u00e9e, plus la personne paie des int\u00e9r\u00eats. Vous avez toutefois la possibilit\u00e9 d\u2019effectuer une remise en capital \u00e0 tout moment et de rembourser la totalit\u00e9 de la dette avant le temps.\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Les d\u00e9tails quant au taux d\u2019int\u00e9r\u00eat, au d\u00e9lai de remboursement, au montant et \u00e0 la fr\u00e9quence des versements seront \u00e9tablis par l\u2019institution financi\u00e8re avec laquelle vous ferez affaire.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"auto\">Quel est le processus pour demander un pr\u00eat de consolidation\u2009?\u00a0<\/span><\/b><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/h2>\n<p><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Pour une demande consolidation de dettes, il faut prendre rendez-vous avec son institution financi\u00e8re.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Le montant de l\u2019emprunt d\u00e9pend de la somme totale due que la personne d\u00e9sire rembourser. Il est \u00e9galement possible de demander un pr\u00eat pour une partie des dettes seulement. Par exemple, si vous avez des dettes de cartes de cr\u00e9dit et un pr\u00eat \u00e9tudiant \u00e0 rembourser, le pr\u00eat de consolidation pourrait \u00eatre destin\u00e9 aux cartes de cr\u00e9dit uniquement.\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"auto\">Quels sont les crit\u00e8res pour pouvoir demander un pr\u00eat de consolidation\u2009?<\/span><\/b><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Les crit\u00e8res pr\u00e9cis d\u00e9pendront de l\u2019institution financi\u00e8re avec laquelle vous faites affaire. Malheureusement, tous ne peuvent pas demander un tel pr\u00eat et se le faire octroyer. L\u2019institution financi\u00e8re doit \u00e9valuer son propre risque en faisant affaire avec vous.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Bien que les crit\u00e8res puissent varier, en voici quelques-uns pris en compte par la majorit\u00e9 des institutions.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&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\"><b><span data-contrast=\"auto\">Le ratio d\u2019endettement\u202f: <\/span><\/b><span data-contrast=\"auto\">c\u2019est le rapport entre vos revenus et vos dettes. Donc, m\u00eame si votre revenu est \u00e9lev\u00e9, si vos dettes sont titanesques, il est possible qu\u2019on vous refuse ce pr\u00eat.\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&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\"><b><span data-contrast=\"auto\">Le dossier de cr\u00e9dit\u202f: <\/span><\/b><span data-contrast=\"auto\">si votre dossier de cr\u00e9dit est entach\u00e9 par de nombreux retards de paiements, vous risquez de vous voir refuser le pr\u00eat.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&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\"><b><span data-contrast=\"auto\">Vos revenus\u202f: <\/span><\/b><span data-contrast=\"auto\">vos revenus doivent \u00eatre assez stables et assez \u00e9lev\u00e9s pour assurer que vous pourrez rembourser le pr\u00eat dans son enti\u00e8ret\u00e9.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&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\"><b><span data-contrast=\"auto\">Le montant n\u00e9cessaire : <\/span><\/b><span data-contrast=\"auto\">le montant demand\u00e9 doit \u00eatre raisonnable et correspondre \u00e0 vos besoins.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&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\"><b><span data-contrast=\"auto\">Vos actifs\u202f: <\/span><\/b><span data-contrast=\"auto\">vos actifs sont tous vos biens ayant une valeur importante, comme votre maison ou votre voiture. Ces biens peuvent \u00eatre mis en garantie afin de recevoir votre pr\u00eat.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Sachez \u00e9galement qu\u2019il est possible que l\u2019institution financi\u00e8re exige un cautionnement. Il s\u2019agit de quelqu\u2019un qui se porte garant dans le cas o\u00f9 vous ne pourriez pas rembourser le pr\u00eat de consolidation.\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"auto\">Quelles sont les cons\u00e9quences sur le dossier de cr\u00e9dit\u2009?<\/span><\/b><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/h2>\n<p><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Le pr\u00eat de consolidation figure bel et bien au dossier de cr\u00e9dit. Comme tout emprunt, il s\u2019agit d\u2019un nouveau risque. Ce facteur sera donc pris en compte dans le futur, chaque fois que vous ferez une demande de financement. Toutefois, si vous payez votre remboursement de pr\u00eat dans les temps, votre dossier de cr\u00e9dit s\u2019am\u00e9liorera graduellement.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Finalement, le pr\u00eat de consolidation peut \u00eatre une excellente solution, particuli\u00e8rement si vous avez des dettes de cartes de cr\u00e9dit avec des int\u00e9r\u00eats tr\u00e8s \u00e9lev\u00e9es. Attention toutefois, car consolider vos dettes augmente votre pouvoir d\u2019achat. Vos cartes de cr\u00e9dit sont de nouveau \u00e0 z\u00e9ro, ce qui peut \u00eatre tentant. Si vous avez du mal \u00e0 contr\u00f4ler vos d\u00e9penses, c\u2019est une invitation \u00e0 causer un probl\u00e8me encore plus grand\u2009! Si vous devez avoir recours au pr\u00eat de consolidation, il pourrait \u00eatre recommandable de r\u00e9duire votre nombre de cartes de cr\u00e9dits et de comptes chez des commer\u00e7ants. Il vaut toujours mieux pr\u00e9venir que gu\u00e9rir\u2009!<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Quand les dettes s\u2019accumulent et qu\u2019on est au bout du rouleau, il est parfois difficile d\u2019en voir la fin. Sachez [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":461,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6,7],"tags":[],"class_list":["post-460","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit","category-finance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Qu\u2019est-ce que le pr\u00eat de consolidation de dettes\u2009?<\/title>\n<meta name=\"description\" content=\"Quand les dettes s\u2019accumulent, il est parfois difficile d\u2019en voir la fin. Le pr\u00eat de consolidation de dettes est une solution possible. 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