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File a debt distress report
Verified 01 July 2022 - Directorate for Legal and Administrative Information (Prime Minister)
If you are unable to meet your debts or if you know that you will not be able to meet your debts, you can enter the over-indebtedness commission.
To do this, you need to make a over-indebtedness record at the Banque de France.
What applies to you ?
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General case
Being an individual
You must meet these 2 conditions:
- Be a Frenchman domiciled in France or abroad, or be a foreigner domiciled in France
- Be of age or emancipated minor
FYI
Individual business If you are self-employedHowever, you cannot directly file for over-indebtedness, even if your debts only concern your personal wealth. You must first go to the court of law (if you are a farmer or a professional) or the commercial court (if you are a trader or craftsman).
If you own your principal residence (home):
Your application cannot be rejected on the grounds that you own your principal residence, even if its value would allow you to pay off all or part of your debts.
When you live in a couple (marriage, Civil partnerships, cohabitation), you have 3 possibilities :
- You can file a file with 2, in common (this solution is to be preferred if you have debts in common).
- You can each file your own file (if there are debts common to the couple, you will have to indicate and justify how the burdens are shared within your couple).
- You can file a file on your own, on your behalf (if there are debts common to the couple, you will have to indicate and justify how the burdens are shared within your couple).
If you are married and you are the only one to file a file:
- At the time of filing, you are the only one registered with the National Personal Credit Reimbursement Incident File (PPIF).
- When the case is declared admissible, only seizures against you are suspended. The creditor of your spouse may request the seizure of his or her property or of property that you have in common. But if you and your husband have common debts, the suspension you are given prevents the seizure of the common property.
- When the measures to deal with over-indebtedness are applied, you are the only beneficiary. As a result, creditors can claim from your spouse the payment of the debts you have in common with him.
FYI
if you live in Alsace-Moselle, you can file a debt distress report with the Banque de France and engage a civil bankruptcy procedure specific to the inhabitants of Alsace-Moselle, because the two devices coexist.
Being in debt
These may be expenses that you have not paid or cannot pay.
As a result, you can file an over-indebtedness file:
- if you can't pay off your debts
- or if you know that soon you will not be able to pay your expenses (example: invoice). For example, you know you're going to be unemployed and you don't have a job offer.
But only everyday expenses (debts that meet personal and/or family needs) are eligible for the debt overhang file:
- Bank debt: mortgage maturities, consumer loan maturities, overdrafts
- Current expenditure: rent arrears, unpaid bills (water, gas, electricity, telephone), tax arrears, ...
- Debts that exist because you have taken out the security of an individual (example: rental deposit) or a company (individual contractor or business)
Other debts are not taken into account in the over-indebtedness procedure or are treated differently:
- Professional debts, i.e. debts directly or indirectly connected with the professional activity pursued
- Maintenance debts (maintenance payments)
- Damages awarded to victims in connection with a criminal conviction
- Penal fines
To be of "good faith"
You have to be of good faith, that is to say not having made it impossible to pay your debts and to make a sincere declaration of over-indebtedness.
To complete your case, you can be helped by a social worker. In this case, enter the name and contact information of this person in your file.
You can meet a social worker in a budget advice point, at CCAS: titleContent, at the Caf: titleContent, in the town hall, in your office HLM ...
You can also ask for information or make an appointment with the Banque de France:
Who shall I contact
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You can no longer cope with your debts and you want to make a case of over-indebtedness?
Here's how:
Your debts must:
- correspond to everyday expenses (e.g. invoice, credit, tax)
- and have been made in good faith. You must not have made yourself insolvent
Attention, the file on over-indebtedness is reserved for individuals
Your folder should contain:
- The form will be filled out. It is accessible from Service-public.fr
- A signed letter explaining your situation
- Documents proving your identity, your resources
Your folder can:
- be made entirely online
- or be sent by mail
- or be dropped off at a counter.
Be careful, after sending or filing your debt overhang file, you must continue to pay your expenses and repay your credits.
Répondez aux questions successives et les réponses s’afficheront automatiquement
You're doing the case for yourself
Online
The following online service shall be used:
With the form to fill out and print
Your folder should contain the following documents:
Cerfa Form No. 13594 fill in and print
Declaration of over-indebtedness
Proof of identity, resources, expenditure, debts and assets. There is a list of supporting documents to be provided.
Letter to explain quickly your current situation and the causes of your debt overhang. In particular, indicate the seizures in progress of your property or income and, if necessary, the ongoing eviction procedure. You have to sign the letter.
Letter to be attached to the debt distress file
FYI
You can call an agent of the Banque de France to check together that nothing is missing from your file.
To do so, we must call on the 34,14, Monday to Friday, 8 a.m. to 6 p.m., with a local call (not surcharged).
Then you must:
- Either email your folder
- Either hand over your file to one of the Bank of France's ticket offices
Who shall I contact
Over-indebtedness: Bank of France postal address
Banque de France Over-indebtedness
TSA 41217
75035 PARIS CEDEX 01
Attention:
If your letter concerns a dossier of over-indebtedness already known to the Banque de France, you must recall its reference to 12 digits (the number assigned to the dossier by the Banque de France)
With a form already printed
Your folder should contain the following documents:
Cerfa Form No. 13594
You can get it by going to one of the bank counters of the Banque de France:
Over-indebtedness file: bank of France window
Proof of identity, resources, expenditure, debts and assets. There is a list of supporting documents to be provided.
Letter to explain quickly your current situation and the causes of your debt overhang. In particular, indicate the seizures in progress of your property or income and, if necessary, the ongoing eviction procedure. You have to sign the letter.
Letter to be attached to the debt distress file
FYI
You can call an agent of the Banque de France to check together that nothing is missing from your file.
To do so, we must call on the 34,14, Monday to Friday, 8 a.m. to 6 p.m., with a local call (not surcharged).
Then you must:
- Either email your folder
- Either hand over your file to one of the Bank of France's ticket offices
Who shall I contact
Over-indebtedness: Bank of France postal address
Banque de France Over-indebtedness
TSA 41217
75035 PARIS CEDEX 01
Attention:
If your letter concerns a dossier of over-indebtedness already known to the Banque de France, you must recall its reference to 12 digits (the number assigned to the dossier by the Banque de France)
You make the file for your couple (married, past, cohabiting)
With the form to fill out and print
Your folder should contain the following documents:
Cerfa Form No. 13594 to be completed and printed
Declaration of over-indebtedness
Proof of identity, resources, expenditure, debts and assets. There is a list of supporting documents to be provided.
Letter to explain quickly your current situation and the causes of your debt overhang. In particular, indicate the seizures in progress of your property or income and, if necessary, the ongoing eviction procedure. You have to sign the letter.
Letter to be attached to the debt distress file
FYI
You can call an agent of the Banque de France to check together that nothing is missing from your file.
To do so, we must call on the 34,14, Monday to Friday, 8 a.m. to 6 p.m., with a local call (not surcharged).
Then you must:
- Either email your folder
- Either hand over your file to one of the Bank of France's ticket offices
Who shall I contact
Over-indebtedness: Bank of France postal address
Banque de France Over-indebtedness
TSA 41217
75035 PARIS CEDEX 01
Attention:
If your letter concerns a dossier of over-indebtedness already known to the Banque de France, you must recall its reference to 12 digits (the number assigned to the dossier by the Banque de France)
With a form already printed
Your folder should contain the following documents:
Cerfa Form No. 13594
You can get it by going to one of the bank counters of the Banque de France:
Over-indebtedness file: bank of France window
Proof of identity, resources, expenditure, debts and assets. There is a list of supporting documents to be provided.
Letter to explain quickly your current situation and the causes of your debt overhang. In particular, indicate the seizures in progress of your property or income and, if necessary, the ongoing eviction procedure. You have to sign the letter.
Letter to be attached to the debt distress file
FYI
You can call an agent of the Banque de France to check together that nothing is missing from your file.
To do so, we must call on the 34,14, Monday to Friday, 8 a.m. to 6 p.m., with a local call (not surcharged).
Then you must:
- Either email your folder
- Either hand over your file to one of the Bank of France's ticket offices
Who shall I contact
Over-indebtedness: Bank of France postal address
Banque de France Over-indebtedness
TSA 41217
75035 PARIS CEDEX 01
Attention:
If your letter concerns a dossier of over-indebtedness already known to the Banque de France, you must recall its reference to 12 digits (the number assigned to the dossier by the Banque de France)
After sending (or filing) your file, you remain obliged to pay your current expenses (food, rent, ...) and to reimburse your credits. The filing of your file takes the form of a certificate of deposit sent to you by simple mail.
Certificate of deposit
After the transmission of your file, a certificate of deposit is sent to you by simple letter within a period of 2 working days.
The following information shall be included in the certificate:
- Number assigned to your debt distress report
- Contact details (telephone switchboard) of the commission that will examine your file
- Date of submission of your file. As of this date, the commission has 3 months to determine whether your file is admissible and what are then possible solutions.
Suspension of certain seizures
If you have requested it in your file, certain execution procedures (seizures, ...) may be suspended.
Reminder
after filing your file, you remain obliged to pay your current expenses (food, rent, ...) and refund your credits.
Enrollment in Credit Incident File
The lodging of the file shall entail the applicant's entry in the National Personal Credit Refund Incident File (FICP).
Guardianship, curatorship, safeguarding justice
The case of over-indebtedness must be made by the guardian of the over-indebted person placed under guardianship.
Being an individual
You must meet these 2 conditions:
- Be a Frenchman domiciled in France or abroad, or be a foreigner domiciled in France
- Be of age or emancipated minor
FYI
Individual business If you are self-employedHowever, you cannot directly file for over-indebtedness, even if your debts only concern your personal wealth. You must first go to the court of law (if you are a farmer or a professional) or the commercial court (if you are a trader or craftsman).
If you own your principal residence (home):
Your application cannot be rejected on the grounds that you own your principal residence, even if its value would allow you to pay off all or part of your debts.
When you live in a couple (marriage, Civil partnerships, cohabitation), you have 3 possibilities :
- You can file a file with 2, in common (this solution is to be preferred if you have debts in common).
- You can each file your own file (if there are debts common to the couple, you will have to indicate and justify how the burdens are shared within your couple).
- You can file a file on your own, on your behalf (if there are debts common to the couple, you will have to indicate and justify how the burdens are shared within your couple).
If you are married and you are the only one to file a file:
- At the time of filing, you are the only one registered with the National Personal Credit Reimbursement Incident File (PPIF).
- When the case is declared admissible, only seizures against you are suspended. The creditor of your spouse may request the seizure of his or her property or of property that you have in common. But if you and your husband have common debts, the suspension you are given prevents the seizure of the common property.
- When the measures to deal with over-indebtedness are applied, you are the only beneficiary. As a result, creditors can claim from your spouse the payment of the debts you have in common with him.
FYI
if you live in Alsace-Moselle, you can file a debt distress report with the Banque de France and engage a civil bankruptcy procedure specific to the inhabitants of Alsace-Moselle, because the two devices coexist.
Being in debt
These may be expenses that you have not paid or cannot pay.
As a result, you can file an over-indebtedness file:
- if you can't pay off your debts
- or if you know that soon you will not be able to pay your expenses (example: invoice). For example, you know you're going to be unemployed and you don't have a job offer.
But only everyday expenses (debts that meet personal and/or family needs) are eligible for the debt overhang file:
- Bank debt: mortgage maturities, consumer loan maturities, overdrafts
- Current expenditure: rent arrears, unpaid bills (water, gas, electricity, telephone), tax arrears, ...
- Debts that exist because you have taken out the security of an individual (example: rental deposit) or a company (individual contractor or business)
Other debts are not taken into account in the over-indebtedness procedure or are treated differently:
- Professional debts, i.e. debts directly or indirectly connected with the professional activity pursued
- Maintenance debts (maintenance payments)
- Damages awarded to victims in connection with a criminal conviction
- Penal fines
To be of "good faith"
You have to be of good faith, that is to say not having made it impossible to pay your debts and to make a sincere declaration of over-indebtedness.
To complete your case, you can be helped by a social worker. In this case, enter the name and contact information of this person in your file.
You can meet a social worker in a budget advice point, at CCAS: titleContent, at the Caf: titleContent, in the town hall, in your office HLM ...
You can also ask for information or make an appointment with the Banque de France:
Who shall I contact
Reminder
It is up to the guardian or trustee or agent to make the file of over-indebtedness.
Répondez aux questions successives et les réponses s’afficheront automatiquement
With the form to fill out and print
The folder should contain the following documents:
Cerfa Form No. 13594 to be completed and printed
Declaration of over-indebtedness
Proof of identity, resources, expenditure, debts and assets. One list of supporting documents is available.
Letter signed to explain quickly your current situation and the causes of your debt overhang. In particular, indicate the seizures in progress of the property or income and, if necessary, the ongoing eviction procedure.
Letter to be attached to the debt distress file
FYI
You can call an agent of the Banque de France to check together that nothing is missing from your file.
To do so, we must call on the 34,14, Monday to Friday, 8 a.m. to 6 p.m., with a local call (not surcharged).
With a form already printed
The folder should contain the following documents:
Cerfa Form No. 13594
You can get it by going to one of the bank counters of the Banque de France:
Over-indebtedness file: bank of France window
Proof of identity, resources, expenditure, debts and assets. One list of supporting documents is available.
Letter signed to explain quickly your current situation and the causes of your debt overhang. In particular, indicate the seizures in progress of the property or income and, if necessary, the ongoing eviction procedure.
Letter to be attached to the debt distress file
FYI
You can call an agent of the Banque de France to check together that nothing is missing from your file.
To do so, we must call on the 34,14, Monday to Friday, 8 a.m. to 6 p.m., with a local call (not surcharged).
Répondez aux questions successives et les réponses s’afficheront automatiquement
Sending by mail
The file and supporting documents should be sent to:
Who shall I contact
Over-indebtedness: Bank of France postal address
Banque de France Over-indebtedness
TSA 41217
75035 PARIS CEDEX 01
Attention:
If your letter concerns a dossier of over-indebtedness already known to the Banque de France, you must recall its reference to 12 digits (the number assigned to the dossier by the Banque de France)
Wicket deposit
You can deposit your debt overhang file at a bank of France counter:
Over-indebtedness file: bank of France window
Warning
Before traveling, you must request an appointment by calling 34 14 (Monday to Friday, 8 a.m. to 6 p.m., at the cost of a local call).
After sending (or filing) your file, you remain obliged to pay your current expenses (food, rent, ...) and to reimburse your credits. The filing of your file takes the form of a certificate of deposit sent to you by simple mail.
Certificate of deposit
After the transmission of your file, a certificate of deposit is sent to you by simple letter within a period of 2 working days.
The following information shall be included in the certificate:
- Number assigned to your debt distress report
- Contact details (telephone switchboard) of the commission that will examine your file
- Date of submission of your file. As of this date, the commission has 3 months to determine whether your file is admissible and what are then possible solutions.
Suspension of certain seizures
If you have requested it in your file, certain execution procedures (seizures, ...) may be suspended.
Reminder
after filing your file, you remain obliged to pay your current expenses (food, rent, ...) and refund your credits.
Enrollment in Credit Incident File
The lodging of the file shall entail the applicant's entry in the National Personal Credit Refund Incident File (FICP).
Emancipated minor
Being an individual
You have to be a Frenchman domiciled in France or abroad, or be a foreigner domiciled in France
FYI
Individual business If you are self-employedHowever, you cannot directly file for over-indebtedness, even if your debts only concern your personal wealth. You must first go to the court of law (if you are a farmer or a professional) or the commercial court (if you are a trader or craftsman).
If you own your principal residence (home):
Your application cannot be rejected on the grounds that you own your principal residence, even if its value would allow you to pay off all or part of your debts.
If you live as a couple (Civil partnerships, cohabiting)
When you live as a couple, you can:
- file a file with 2, in common (this solution is preferred if you have debts in common)
- or each file your own file (if there are debts common to the couple, you will have to indicate and justify how the burdens are shared within your couple)
- or file a single file on your behalf (if there are debts common to the couple, you will have to indicate and justify how the burdens are shared within your couple).
If you live in Alsace-Moselle
You can file a file for over-indebtedness with the Banque de France and engage a civil bankruptcy procedure specific to the inhabitants of Alsace-Moselle, because the two devices coexist.
Being in debt
These may be expenses that you have not paid or cannot pay.
As a result, you can file an over-indebtedness file:
- if you can't pay off your debts
- or if you know that soon you will not be able to pay your expenses (example: invoice). For example, you know you're going to be unemployed and you don't have a job offer.
But only everyday expenses (debts that meet personal and/or family needs) are eligible for the debt overhang file:
- Bank debt: mortgage maturities, consumer loan maturities, overdrafts
- Current expenditure: rent arrears, unpaid bills (water, gas, electricity, telephone), tax arrears, ...
- Debts that exist because you have taken out the security of an individual (example: rental deposit) or a company (individual contractor or business)
Other debts are not taken into account in the over-indebtedness procedure or are treated differently:
- Professional debts, i.e. debts directly or indirectly connected with the professional activity pursued
- Maintenance debts (maintenance payments)
- Damages awarded to victims in connection with a criminal conviction
- Penal fines
To be of "good faith"
You have to be of good faith, that is to say not having made it impossible to pay your debts and to make a sincere declaration of over-indebtedness.
To complete your case, you can be helped by a social worker. In this case, enter the name and contact information of this person in your file.
You can meet a social worker in a budget advice point, at CCAS: titleContent, at the Caf: titleContent, in the town hall, in your office HLM ...
You can also ask for information or make an appointment with the Banque de France:
Who shall I contact
Répondez aux questions successives et les réponses s’afficheront automatiquement
With the form to fill out and print
The folder should contain the following documents:
Cerfa Form No. 13594 to be completed and printed
Declaration of over-indebtedness
Proof of identity, resources, expenditure, debts and assets. One list of supporting documents is available.
Letter signed to explain quickly your current situation and the causes of your debt overhang. In particular, indicate the seizures in progress of the property or income and, if necessary, the ongoing eviction procedure. You have to sign the letter.
Letter to be attached to the debt distress file
FYI
You can call an agent of the Banque de France to check together that nothing is missing from your file.
To do so, we must call on the 34,14, Monday to Friday, 8 a.m. to 6 p.m., with a local call (not surcharged).
With a form already printed
The folder should contain the following documents:
Cerfa Form No. 13594
You can get it by going to one of the bank of France's counters:
Over-indebtedness file: bank of France window
Proof of identity, resources, expenditure, debts and assets. One list of supporting documents is available.
Letter signed to explain quickly your current situation and the causes of your debt overhang. In particular, indicate the seizures in progress of the property or income and, if necessary, the ongoing eviction procedure. You have to sign the letter.
Letter to be attached to the debt distress file
FYI
You can call an agent of the Banque de France to check together that nothing is missing from your file.
To do this, you must call the 34,14, Monday to Friday, 8 a.m. to 6 p.m., with a local call (not surcharged).
Répondez aux questions successives et les réponses s’afficheront automatiquement
Sending by mail
The file and supporting documents should be sent to:
Who shall I contact
Over-indebtedness: Bank of France postal address
Banque de France Over-indebtedness
TSA 41217
75035 PARIS CEDEX 01
Attention:
If your letter concerns a dossier of over-indebtedness already known to the Banque de France, you must recall its reference to 12 digits (the number assigned to the dossier by the Banque de France)
Wicket deposit
You can deposit your debt overhang file at a bank of France counter:
Over-indebtedness file: bank of France window
Warning
Before traveling, you must request an appointment by calling 34 14 (Monday to Friday, 8 a.m. to 6 p.m., at the cost of a local call).
After sending (or filing) your file, you remain obliged to pay your current expenses (food, rent, ...) and to reimburse your credits. The filing of your file takes the form of a certificate of deposit sent to you by simple mail.
Certificate of deposit
After the transmission of your file, a certificate of deposit is sent to you by simple letter within a period of 2 working days.
The following information shall be included in the certificate:
- Number assigned to your debt distress report
- Contact details (telephone switchboard) of the commission that will examine your file
- Date of submission of your file. As of this date, the commission has 3 months to determine whether your file is admissible and what are then possible solutions.
Suspension of certain seizures
If you have requested it in your file, certain execution procedures (seizures, ...) may be suspended.
Reminder
after filing your file, you remain obliged to pay your current expenses (food, rent, ...) and refund your credits.
Enrollment in Credit Incident File
The lodging of the file shall entail the applicant's entry in the National Personal Credit Refund Incident File (FICP).
Who can help me?
Find who can answer your questions in your region
Metropolis and Overseas
Budget advice point (PCB)In Alsace-Moselle
French Federation of Regional Chambers of Social Over-IndebtednessAsk the Banque de France a question over the phone about debt overhang
Number: 34 14
Monday to Friday, from 8 am to 6 pm
Price of a local call (not surcharged)
- Request information or an appointment at the Banque de France
Data subjects
Exclusions: trader, craftsman ...
Personal Debt Overhang Commission
Jurisdiction and referral to the over-indebtedness commission
Referral to the personal debt overhang commission
Referral to the personal debt overhang commission
Competence of the Banque de France
FICP Enrollment
Exclusion from over-indebtedness procedure
Online service
Search tools
Document template
FAQ
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