Maître Brigitte BOGUCKI

Avocat au barreau de Paris

Avocat titulaire d'un certificat de spécialisation en Droit de la famille, des personnes et de leur patrimoine et Droit immobilier

Compétences : Droit immobilier, Droit de la famille, des personnes et de leur patrimoine

Barreau : Paris

Adresse : 24 RUE EDOUARD LOCKROY 75011 PARIS

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Pension alimentaire et capacité d'endettement

Article juridique

Par Me Brigitte BOGUCKI

Il y a une réelle injustice dans les conséquences des pensions alimentaires sur les taux d'endettement des débiteurs d'aliments (ceux qui doivent la pension).

En effet, lorsque vous demandez un crédit à une banque, vos revenus et vos charges fixes sont pris en compte donc votre pension alimentaire au montant fixé par le tribunal (avec indexation). Ainsi celui qui paie une pension alimentaire voit-il sa capacité d'endettement réduite.

Pourtant si vous avez le même nombre d'enfants mais à charge ou si votre conjoint ne travaille pas, la banque n'en tient pas compte dans votre capacité d'endettement.

De son côté, le créancier d'aliment (celui qui perçoit la pension) voit du fait de celle-ci sa capacité d'endettement augmenter puisque la pension alimentaire est considérée comme un revenu...

C'est un élément factuel qui n'est jamais pris en compte par nos juges alors même que cela devrait, notamment pour l'évaluation de la prestation compensatoire, être considéré.