Over-indebtedness
If you cannot cope with your non-professional debts (invoices, repayment of a credit...), you can file a file for free of charge. If your file is admissible and your debt is repayable, a conventional recovery plan or measures imposed can be offered to you. If your file is admissible and your debt is non-repayable, a personal recovery (with or without judicial liquidation) may be offered.
- File a debt distress report
- Admissibility of the over-indebtedness dossier
- State of indebtedness and direction of the debt distress case
- Conventional recovery plan
- Measures imposed
- Personal recovery without judicial liquidation
- Personal recovery with judicial liquidation
FAQ
- Consumer creditService-Public.fr
- Personal Credit Reimbursement Incident File (PPIF)Service-Public.fr
- Seizure of real estateService-Public.fr
- Questions and answers related to the health crisis (coronavirus - covid 19)Banque de France
- Over-indebtednessBanque de France
- Practical guide: Over-indebtedness of individualsNational Institute of Consumer Affairs (INC)
- Being in an over-indebted situationBanque de France
- Diagram of the debt relief procedure since 2018 (PDF - 457.2 KB)Banque de France
- Consumer creditInstitute for Public Financial Education (IEFP)
La protection sociale
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