Maître Jacques-Louis COLOMBANI

Avocat au barreau de Dunkerque

Compétences : Droit pénal, Droit de la famille, divorce, séparation, Droit de la propriété intellectuelle, Droit du crédit et de la consommation, Droit commercial, des affaires et de la concurrence, Droit du numérique et des communications, Responsabilité civile, Droit des assurances

Barreau : Dunkerque

Adresse : 4 rue Albert 1er 59140 DUNKERQUE

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Banque, consomation, information et médiation: éviter la logique du surendettement.

Article juridique

Par Me Jacques-Louis COLOMBANI

Pour une information claire et précise sur le droit de la consommation et la banque, le site de l'AFUB est une très belle plateforme.

Le surendettement des particuliers est aujourd'hui un fait social: redressement ou rétablissement personnels, nombreuses sont les familles qui passent par cette procédure.

Devant le juge de l'homologation des plans, parfois la bonne foi des ménages est mise en cause pour ne pas accepter les étalements.

La logique du crédit peut parfois conduire a des pratiques de taux qui s'avèrent difficiles à supporter pour les ménages.

Pour une information claire, précise et actualisée sur le droit de la consommation et la banque, le site de l'AFUB est une plateforme qui semble pertinente.

Notre spécialiste de la Blogosphère remarquera que la médiation est étudiée avec une liste des médiateur issue de la loi du 11 décembre 2001 imposant aux établissements bancaires de se doter de médiateur (art. L.312-1-3 CMF).