Maître Stéphane BERTUZZI

Avocat au barreau de Marseille

Compétences : Droit du crédit et de la consommation, Droit commercial, des affaires et de la concurrence, Droit du dommage corporel, Baux d'habitation, Copropriété, Construction, Baux commerciaux et professionnels, Assurances des particuliers, Droit bancaire et boursier, Droit des garanties, des sûretés et des mesures d'exécution, Droit de la famille, des personnes et de leur patrimoine, Procédure d'appel

Barreau : Marseille

Adresse : 23 rue Breteuil 13006 MARSEILLE

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Publié le 14/05/2020

Le surendettement

Article juridique - Droit du crédit et de la consommation

Par Me Stéphane BERTUZZI

La situation de surendettement est caractérisée par l’impossibilité manifeste de faire face à l’ensemble de ses dettes non professionnelles exigibles et à échoir.

Si vous n’arrivez plus à rembourser vos dettes personnelles, telles que vos charges courantes (loyer, énergie, eau, …) et/ou mensualités de crédits, un dossier de surendettement peut être déposé.

Les articles L. 711-1 et L. 712-2 du Code de la consommation régissent les conditions d’accès à cette mesure de protection.

La condition première est la bonne foi.

Maître Stéphane BERTUZZI vous conseille et vous assiste dans la constitution et la préparation de votre dossier de surendettement.

A savoir : En cas de recevabilité, la Banque de France procède à votre inscription au Fichier des Incidents des Crédits aux Particuliers (FICP) pour une durée fixe de 5 ans.