Maître Paul COUTURE

Avocat au barreau de Versailles

Compétences : Droit des garanties, des sûretés et des mesures d'exécution, Droit immobilier, Droit du crédit et de la consommation, Droit pénal, Procédure civile, Procédure d'appel, Droit du dommage corporel

Barreau : Versailles

Adresse : 18 rue des Etats Généraux 78000 VERSAILLES

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Publié le 23/04/2020

COVID-19 : Comment faire face aux difficultés pour rembourser son crédit à la consommation ou immobilier ?

Article juridique - Droit du crédit et de la consommation

Par Me Paul COUTURE

COVID-19 : Comment faire face aux difficultés pour rembourser son crédit à la consommation ou immobilier ?

Avant toutes choses, contactez votre conseiller de clientèle pour trouver un arrangement (suspension ou diminution des échéances).

A défaut, adressez-vous au médiateur propre à l’établissement bancaire : https://www.service-public.fr/particuliers/vosdroits/F20523

En cas d’échec, ou de réponse insuffisante, vous avez la possibilité de saisir le Juge des contentieux de la protection (ex-tribunal d’instance) du lieu de votre domicile, pour solliciter, au visa des articles 1343-5 et suivants du Code civil, un « délai de grâce ».

Cette saisine doit intervenir avant que la déchéance du terme soit prononcée par la banque.

Il faudra en outre justifier que les difficultés sont temporaires ou liées à une situation ponctuelle, que vous êtes de bonne foi, et qu’à l’issue du délai de suspension, les échéances pourront être régler.

Le Juge pourra alors vous accorder une suspension des mensualités pour une durée maximale de 24 mois.

La décision fera obstacle aux poursuites judiciaires pendant ce délai et suspendra les procédures d’exécution qui auraient été engagées par le créancier.

Pour plus de précisions, je me tiens à votre disposition.