Le lien vers cette page a été envoyé avec succès aux destinataires.
File a file on over-indebtedness with the over-indebtedness commission
Verified 07 January 2025 - Directorate for Legal and Administrative Information (Prime Minister)
Can't pay off your debts, or do you know you can't? Under certain conditions, you can file an over-indebtedness file directly with the over-indebtedness commission. This commission will try to work with you to find a solution to your situation. We present you with the information you need to know.
What applies to you ?
Veuillez patienter pendant le chargement de la page
The rules to follow depend on where you live:
In the metropolis
You must meet the following 4 conditions :
- Being a natural person
- Be either French (regardless of where you live) or foreigners and live in France
- Be unable to pay your debts (personal or professional), current or future
- To be of good faith, that is to say, in particular, not to have voluntarily made it impossible to pay your debts.
You can have professional and personal debts (past, present or future) :
- Bank debt (mortgage debt, consumer loan debt, overdrafts)
- Current expenses (rent arrears, tax arrears, unpaid gas water, electricity or telephone bills)
- Debts related to the fact that you have sued an individual (for example, by being rental deposit)individual business , or guarantee of a business).
But some debts go unaccounted for in the over-indebtedness procedure, or are treated differently:
- Maintenance debts (maintenance payments)
- Criminal convictions (damages to be paid to the victims)
- Fines
- The pledged loans
- The debts you owe to a creditor settled abroad.
FYI
- If you own your principal residence, you can file a debt distress report. Your file cannot be refused 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 are an individual entrepreneur, that you only have personal debts and individual business that you have had your company formalities office, you can file an over-indebtedness case with the over-indebtedness commission. In all other cases, if you are a sole trader, you must to lodge an application for the opening of collective proceedings before the court. This request may or may not include the submission of a debt distress report.
- If you live in Alsace-Moselle, you can file a debt distress report with the Banque de France and to engage a civil bankruptcy procedure specific to the inhabitants of Alsace-Moselle.
The rules are different depending on whether your couple is married, past or in a cohabitation:
Répondez aux questions successives et les réponses s’afficheront automatiquement
Married couple
You have 3 possibilities:
- The couple can file a joint file on debt distress. This solution is preferred if the two members of the couple have debts in common.
- Each member of the couple can file a debt distress report. Attention, if the two members of the couple have debts in common, each must, in his file, indicate and justify the resources of each member of the couple.
- A member of the couple may be the only one to file a debt distress report on their behalf. Be careful, if the two members of the couple have debts in common, the person who files the file must indicate and justify the resources of each member of the couple.
FYI
When only one member of the couple files a debt distress report:
- At the time of filing, he shall be the only one to be entered in the National Personal Credit Reimbursement Incident File (PPIF).
- Where the file is declared admissible, only the seizure of the property belonging to the person who lodged the file shall be suspended. It is still possible to seize property that the couple has in common, as well as to seize property belonging to the other members of the couple. But if the two members of the couple have debts in common, then the suspension of seizures granted, as soon as the case is admissible, prevents the seizure of the assets that the couple has in common.
- Where measures to deal with over-indebtedness apply, only the person who has filed the over-indebtedness file is eligible. Thus, if the two members of the couple have debts in common, the creditors may require the other member of the couple to pay the joint debts.
Past Torque
You have 3 possibilities:
- The couple can file a joint file on debt distress. This solution is preferred if the two members of the couple have debts in common.
- Each member of the couple can file a debt distress report. Attention, if the two members of the couple have debts in common, each must, in his file, indicate and justify the resources of each member of the couple.
- A member of the couple may be the only one to file a debt distress report on their behalf. Be careful, if the two members of the couple have debts in common, the person who files a file must indicate and justify the resources of each member of the couple.
Couple of concubines
You have 3 possibilities:
- The couple can file a joint file on debt distress. This solution is preferred if the two members of the couple have debts in common.
- Each member of the couple can file a debt distress report. Attention, if the two members of the couple have debts in common, each must, in his file, indicate and justify the resources of each member of the couple.
- A member of the couple may be the only one to file a debt distress report on their behalf. Be careful, if the two members of the couple have debts in common, the person who files a file must indicate and justify the resources of each member of the couple.
Vous avez choisi
Choisissez votre cas
Married couple
You have 3 possibilities:
- The couple can file a joint file on debt distress. This solution is preferred if the two members of the couple have debts in common.
- Each member of the couple can file a debt distress report. Attention, if the two members of the couple have debts in common, each must, in his file, indicate and justify the resources of each member of the couple.
- A member of the couple may be the only one to file a debt distress report on their behalf. Be careful, if the two members of the couple have debts in common, the person who files the file must indicate and justify the resources of each member of the couple.
FYI
When only one member of the couple files a debt distress report:
- At the time of filing, he shall be the only one to be entered in the National Personal Credit Reimbursement Incident File (PPIF).
- Where the file is declared admissible, only the seizure of the property belonging to the person who lodged the file shall be suspended. It is still possible to seize property that the couple has in common, as well as to seize property belonging to the other members of the couple. But if the two members of the couple have debts in common, then the suspension of seizures granted, as soon as the case is admissible, prevents the seizure of the assets that the couple has in common.
- Where measures to deal with over-indebtedness apply, only the person who has filed the over-indebtedness file is eligible. Thus, if the two members of the couple have debts in common, the creditors may require the other member of the couple to pay the joint debts.
Past Torque
You have 3 possibilities:
- The couple can file a joint file on debt distress. This solution is preferred if the two members of the couple have debts in common.
- Each member of the couple can file a debt distress report. Attention, if the two members of the couple have debts in common, each must, in his file, indicate and justify the resources of each member of the couple.
- A member of the couple may be the only one to file a debt distress report on their behalf. Be careful, if the two members of the couple have debts in common, the person who files a file must indicate and justify the resources of each member of the couple.
Couple of concubines
You have 3 possibilities:
- The couple can file a joint file on debt distress. This solution is preferred if the two members of the couple have debts in common.
- Each member of the couple can file a debt distress report. Attention, if the two members of the couple have debts in common, each must, in his file, indicate and justify the resources of each member of the couple.
- A member of the couple may be the only one to file a debt distress report on their behalf. Be careful, if the two members of the couple have debts in common, the person who files a file must indicate and justify the resources of each member of the couple.
A social worker (or social worker) can help to make your over-indebtedness record.
You can meet a social worker in a budget advice point, at CCASCCAS : Communal Social Action Center , at the CafCaf : Family Allowance Fund, in the city hall, in your housing office, in the social services of the department.
If a social worker helps you with the over-indebtedness file, fill in the section be assisted by a social worker the debt overhang file.
You can also ask for details, or make an appointment with the Banque de France.
Who shall I contact
The approach is different depending on whether or not you are placed under guardianship or curatorship or safeguarding justice:
Répondez aux questions successives et les réponses s’afficheront automatiquement
General case
Online
You must use the following online service:
With the form to print
1. Your file should contain the following documents:
- Cerfa Form No. 13594 to be completed, printed and signed
- Overleveraged subshirts to be printed
- Photocopy of supporting documents identity, resources, expenses, debts and assets
- 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.
You can use the following letter template:
Letter to be attached to the debt distress file
2. You can check that your file is complete with the help of a Banque de France agent
You can call an agent of the Banque de France to check together that there is nothing missing from your file:
Who shall I contact
34 14: contact a Banque de France official by telephone about over-indebtedness
Number: 34 14
Monday to Friday, from 8 am to 6 pm
Price of a local call (not surcharged)
3. You must either send your file by post or hand it over 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)
Who shall I contact
With a form to ask for
1. Your file should contain the following documents:
- Cerfa Form No. 13594 to be completed and signed. You can get it by going to one of the bank counters of the Banque de France. You can also receive it by post after having requested it on the website of the Banque de France.
- Photocopy of supporting documents identity, resources, expenses, debts and assets.
- 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.
You can use the following letter template:
Letter to be attached to the debt distress file
Who shall I contact
Who shall I contact
2. You can check that your file is complete with the help of a Banque de France agent
You can call an agent of the Banque de France to check together that there is nothing missing from your file:
Who shall I contact
34 14: contact a Banque de France official by telephone about over-indebtedness
Number: 34 14
Monday to Friday, from 8 am to 6 pm
Price of a local call (not surcharged)
3. You must either send your file by post or hand it over 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)
Who shall I contact
Person placed under guardianship, guardianship, safeguarding justice
It is up to the guardian or trustee or agent to make the file of over-indebtedness.
With the form to print
1. Your file should contain the following documents:
- Cerfa Form No. 13594 to be completed, printed and signed
- Overleveraged subshirts to be printed
- Photocopy of supporting documents identity, resources, expenses, debts and assets
- 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.
You can use the following letter template:
Letter to be attached to the debt distress file
2. You can check that your file is complete with the help of a Banque de France agent
You can call an agent of the Banque de France to check together that there is nothing missing from your file:
Who shall I contact
34 14: contact a Banque de France official by telephone about over-indebtedness
Number: 34 14
Monday to Friday, from 8 am to 6 pm
Price of a local call (not surcharged)
3. You must either send your file by post or hand it over 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)
Who shall I contact
With a form to ask for
1. Your file should contain the following documents:
- Cerfa Form No. 13594 to be completed and signed. You can get it by going to one of the bank counters of the Banque de France. You can also receive it by post after having requested it on the website of the Banque de France.
- Photocopy of supporting documents identity, resources, expenses, debts and assets.
- 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.
You can use the following letter template:
Letter to be attached to the debt distress file
Who shall I contact
Who shall I contact
2. You can check that your file is complete with the help of a Banque de France agent
You can call an agent of the Banque de France to check together that there is nothing missing from your file:
Who shall I contact
34 14: contact a Banque de France official by telephone about over-indebtedness
Number: 34 14
Monday to Friday, from 8 am to 6 pm
Price of a local call (not surcharged)
3. You must either send your file by post or hand it over 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)
Who shall I contact
Vous avez choisi
Choisissez votre cas
General case
Online
You must use the following online service:
With the form to print
1. Your file should contain the following documents:
- Cerfa Form No. 13594 to be completed, printed and signed
- Overleveraged subshirts to be printed
- Photocopy of supporting documents identity, resources, expenses, debts and assets
- 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.
You can use the following letter template:
Letter to be attached to the debt distress file
2. You can check that your file is complete with the help of a Banque de France agent
You can call an agent of the Banque de France to check together that there is nothing missing from your file:
Who shall I contact
34 14: contact a Banque de France official by telephone about over-indebtedness
Number: 34 14
Monday to Friday, from 8 am to 6 pm
Price of a local call (not surcharged)
3. You must either send your file by post or hand it over 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)
Who shall I contact
With a form to ask for
1. Your file should contain the following documents:
- Cerfa Form No. 13594 to be completed and signed. You can get it by going to one of the bank counters of the Banque de France. You can also receive it by post after having requested it on the website of the Banque de France.
- Photocopy of supporting documents identity, resources, expenses, debts and assets.
- 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.
You can use the following letter template:
Letter to be attached to the debt distress file
Who shall I contact
Who shall I contact
2. You can check that your file is complete with the help of a Banque de France agent
You can call an agent of the Banque de France to check together that there is nothing missing from your file:
Who shall I contact
34 14: contact a Banque de France official by telephone about over-indebtedness
Number: 34 14
Monday to Friday, from 8 am to 6 pm
Price of a local call (not surcharged)
3. You must either send your file by post or hand it over 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)
Who shall I contact
Person placed under guardianship, guardianship, safeguarding justice
It is up to the guardian or trustee or agent to make the file of over-indebtedness.
With the form to print
1. Your file should contain the following documents:
- Cerfa Form No. 13594 to be completed, printed and signed
- Overleveraged subshirts to be printed
- Photocopy of supporting documents identity, resources, expenses, debts and assets
- 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.
You can use the following letter template:
Letter to be attached to the debt distress file
2. You can check that your file is complete with the help of a Banque de France agent
You can call an agent of the Banque de France to check together that there is nothing missing from your file:
Who shall I contact
34 14: contact a Banque de France official by telephone about over-indebtedness
Number: 34 14
Monday to Friday, from 8 am to 6 pm
Price of a local call (not surcharged)
3. You must either send your file by post or hand it over 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)
Who shall I contact
With a form to ask for
1. Your file should contain the following documents:
- Cerfa Form No. 13594 to be completed and signed. You can get it by going to one of the bank counters of the Banque de France. You can also receive it by post after having requested it on the website of the Banque de France.
- Photocopy of supporting documents identity, resources, expenses, debts and assets.
- 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.
You can use the following letter template:
Letter to be attached to the debt distress file
Who shall I contact
Who shall I contact
2. You can check that your file is complete with the help of a Banque de France agent
You can call an agent of the Banque de France to check together that there is nothing missing from your file:
Who shall I contact
34 14: contact a Banque de France official by telephone about over-indebtedness
Number: 34 14
Monday to Friday, from 8 am to 6 pm
Price of a local call (not surcharged)
3. You must either send your file by post or hand it over 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)
Who shall I contact
The filing of your debt distress report has the following immediate effects:
- You are automatically enrolled in National Personal Credit Refund Incident File (FICP).
- You can request the suspension of seizures of your movable property (foreclosure, foreclosure, wage foreclosure), as well as any sales you have made.
- If you own your home, and its forced sale (auction) has been ordered, you can request postponement of the invitation to tender, and therefore the postponement of your expulsion.
After you file your over-indebtedness file, you receive a certificate of deposit. This attestation is proof that you have filed a debt distress report. This certificate is sent to you by simple mail within 2 working days. This certificate shall contain the following information:
- Number assigned to your debt distress report
- Email address where to contact the over-indebtedness commission that will examine your file
- Date of submission of your file. From that date, the debt overhang commission has 3 months to decide whether your file on over-indebtedness is admissible or not.
Warning
You are still required to pay your current expenses (rent, telephone bill...), and repay your credits, despite having filed a debt distress report. You have prohibition on taking out new loans.
In the Dom
You must meet the following 4 conditions :
- Being a natural person
- Be either French (regardless of where you live) or foreigners and live in France
- Be unable to pay your debts (personal or professional), current or future
- To be of good faith, that is to say, in particular, not to have voluntarily made it impossible to pay your debts.
You can have professional and personal debts (past, present or future) :
- Bank debt (mortgage debt, consumer loan debt, overdrafts)
- Current expenses (rent arrears, tax arrears, unpaid gas water, electricity or telephone bills)
- Debts related to the fact that you have sued an individual (for example, by being rental deposit)individual business , or guarantee of a business).
But some debts go unaccounted for in the over-indebtedness procedure, or are treated differently:
- Maintenance debts (maintenance payments)
- Criminal convictions (damages to be paid to the victims)
- Fines
- The pledged loans
- The debts you owe to a creditor settled abroad.
FYI
- If you own your principal residence (home), you can file a debt distress report. Your file cannot be refused 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 are an individual entrepreneur, that you only have personal debts and individual business that you have had your company formalities office, you can file an over-indebtedness case with the over-indebtedness commission. In all other cases, if you are a sole trader, you must to lodge an application for the opening of collective proceedings before the court. This request may or may not include the submission of a debt distress report.
The rules are different depending on whether your couple is married, past or in a cohabitation:
Répondez aux questions successives et les réponses s’afficheront automatiquement
Married couple
You have 3 possibilities:
- The couple can file a joint file on debt distress. This solution is preferred if the two members of the couple have debts in common.
- Each member of the couple can file a debt distress report. Attention, if the two members of the couple have debts in common, each must, in his file, indicate and justify the resources of each member of the couple.
- A member of the couple may be the only one to file a debt distress report on their behalf. Be careful, if the two members of the couple have debts in common, the person who files the file must indicate and justify the resources of each member of the couple.
FYI
When only one member of the couple files a debt distress report:
- At the time of filing, he shall be the only one to be entered in the National Personal Credit Reimbursement Incident File (PPIF).
- Where the file is declared admissible, only the seizure of the property belonging to the person who lodged the file shall be suspended. It is still possible to seize property that the couple has in common, as well as to seize property belonging to the other members of the couple. But if the two members of the couple have debts in common, then the suspension of seizures granted, as soon as the case is admissible, prevents the seizure of the assets that the couple has in common.
- Where measures to deal with over-indebtedness apply, only the person who has filed the over-indebtedness file is eligible. Thus, if the two members of the couple have debts in common, the creditors may require the other member of the couple to pay the joint debts.
Past Torque
You have 3 possibilities:
- The couple can file a joint file on debt distress. This solution is preferred if the two members of the couple have debts in common.
- Each member of the couple can file a debt distress report. Attention, if the two members of the couple have debts in common, each must, in his file, indicate and justify the resources of each member of the couple.
- A member of the couple may be the only one to file a debt distress report on their behalf. Be careful, if the two members of the couple have debts in common, the person who files a file must indicate and justify the resources of each member of the couple.
Couple of concubines
You have 3 possibilities:
- The couple can file a joint file on debt distress. This solution is preferred if the two members of the couple have debts in common.
- Each member of the couple can file a debt distress report. Attention, if the two members of the couple have debts in common, each must, in his file, indicate and justify the resources of each member of the couple.
- A member of the couple may be the only one to file a debt distress report on their behalf. Be careful, if the two members of the couple have debts in common, the person who files a file must indicate and justify the resources of each member of the couple.
Vous avez choisi
Choisissez votre cas
Married couple
You have 3 possibilities:
- The couple can file a joint file on debt distress. This solution is preferred if the two members of the couple have debts in common.
- Each member of the couple can file a debt distress report. Attention, if the two members of the couple have debts in common, each must, in his file, indicate and justify the resources of each member of the couple.
- A member of the couple may be the only one to file a debt distress report on their behalf. Be careful, if the two members of the couple have debts in common, the person who files the file must indicate and justify the resources of each member of the couple.
FYI
When only one member of the couple files a debt distress report:
- At the time of filing, he shall be the only one to be entered in the National Personal Credit Reimbursement Incident File (PPIF).
- Where the file is declared admissible, only the seizure of the property belonging to the person who lodged the file shall be suspended. It is still possible to seize property that the couple has in common, as well as to seize property belonging to the other members of the couple. But if the two members of the couple have debts in common, then the suspension of seizures granted, as soon as the case is admissible, prevents the seizure of the assets that the couple has in common.
- Where measures to deal with over-indebtedness apply, only the person who has filed the over-indebtedness file is eligible. Thus, if the two members of the couple have debts in common, the creditors may require the other member of the couple to pay the joint debts.
Past Torque
You have 3 possibilities:
- The couple can file a joint file on debt distress. This solution is preferred if the two members of the couple have debts in common.
- Each member of the couple can file a debt distress report. Attention, if the two members of the couple have debts in common, each must, in his file, indicate and justify the resources of each member of the couple.
- A member of the couple may be the only one to file a debt distress report on their behalf. Be careful, if the two members of the couple have debts in common, the person who files a file must indicate and justify the resources of each member of the couple.
Couple of concubines
You have 3 possibilities:
- The couple can file a joint file on debt distress. This solution is preferred if the two members of the couple have debts in common.
- Each member of the couple can file a debt distress report. Attention, if the two members of the couple have debts in common, each must, in his file, indicate and justify the resources of each member of the couple.
- A member of the couple may be the only one to file a debt distress report on their behalf. Be careful, if the two members of the couple have debts in common, the person who files a file must indicate and justify the resources of each member of the couple.
It all depends on where you live:
Répondez aux questions successives et les réponses s’afficheront automatiquement
Guadeloupe
A social worker (or social worker) can help to make your over-indebtedness record.
For example, you may meet a social worker in a budget advice point.
If a social worker helps you with the over-indebtedness file, fill in the section be assisted by a social worker the debt overhang file.
FYI
You can also find information about the process of over-indebtedness in the IEDOM of Guadeloupe.
Guiana
A social worker (or social worker) can help to make your over-indebtedness record.
For example, you may meet a social worker in a budget advice point.
If a social worker helps you with the over-indebtedness file, fill in the section be assisted by a social worker the debt overhang file.
FYI
You can also find information about the process of over-indebtedness in IEDOM of Guyana.
Reunion
A social worker (or social worker) can help to make your over-indebtedness record.
For example, you may meet a social worker in a budget advice point.
If a social worker helps you with the over-indebtedness file, fill in the section be assisted by a social worker the debt overhang file.
FYI
You can also find information about the process of over-indebtedness in IEDOM of Reunion.
Martinique
A social worker (or social worker) can help to make your over-indebtedness record.
For example, you may meet a social worker in a budget advice point.
If a social worker helps you with the over-indebtedness file, fill in the section be assisted by a social worker the debt overhang file.
FYI
You can also find information about the process of over-indebtedness in IEDOM of Martinique.
Mayotte
A social worker (or social worker) can help to make your over-indebtedness record.
For example, you may meet a social worker in a budget advice point.
If a social worker helps you with the over-indebtedness file, fill in the section be assisted by a social worker the debt overhang file.
FYI
You can also find information about the process of over-indebtedness in IEDOM of Mayotte.
Vous avez choisi
Choisissez votre cas
Guadeloupe
A social worker (or social worker) can help to make your over-indebtedness record.
For example, you may meet a social worker in a budget advice point.
If a social worker helps you with the over-indebtedness file, fill in the section be assisted by a social worker the debt overhang file.
FYI
You can also find information about the process of over-indebtedness in the IEDOM of Guadeloupe.
Guiana
A social worker (or social worker) can help to make your over-indebtedness record.
For example, you may meet a social worker in a budget advice point.
If a social worker helps you with the over-indebtedness file, fill in the section be assisted by a social worker the debt overhang file.
FYI
You can also find information about the process of over-indebtedness in IEDOM of Guyana.
Reunion
A social worker (or social worker) can help to make your over-indebtedness record.
For example, you may meet a social worker in a budget advice point.
If a social worker helps you with the over-indebtedness file, fill in the section be assisted by a social worker the debt overhang file.
FYI
You can also find information about the process of over-indebtedness in IEDOM of Reunion.
Martinique
A social worker (or social worker) can help to make your over-indebtedness record.
For example, you may meet a social worker in a budget advice point.
If a social worker helps you with the over-indebtedness file, fill in the section be assisted by a social worker the debt overhang file.
FYI
You can also find information about the process of over-indebtedness in IEDOM of Martinique.
Mayotte
A social worker (or social worker) can help to make your over-indebtedness record.
For example, you may meet a social worker in a budget advice point.
If a social worker helps you with the over-indebtedness file, fill in the section be assisted by a social worker the debt overhang file.
FYI
You can also find information about the process of over-indebtedness in IEDOM of Mayotte.
The approach is different depending on where you live:
Répondez aux questions successives et les réponses s’afficheront automatiquement
Guadeloupe
General case
Online
You must use the following online service:
Declaration of over-indebtedness
FYI
You must attach the letter of referral from the commission, after filling it out.
With the form
Your folder must be consolidated multiple documents.
You can use the following letter template:
Letter to be attached to the debt distress file
Then you need to send by post or drop in your file.
Person placed under guardianship, guardianship, safeguarding justice
It is up to the guardian or trustee or agent to make the file of over-indebtedness.
Your folder must be consolidated multiple documents.
You can use the following letter template:
Letter to be attached to the debt distress file
Then you need to send by post or drop in your file.
Guiana
General case
Online
You must use the following online service:
Declaration of over-indebtedness
FYI
You must join it the commission's letter of referral, after filling it out.
With the form
Your folder must be consolidated multiple documents.
You can use the following letter template:
Letter to be attached to the debt distress file
Then you need to send by post or drop in your file.
Person placed under guardianship, guardianship, safeguarding justice
It is up to the guardian or trustee or agent to make the file of over-indebtedness.
Your folder must be consolidated multiple documents.
You can use the following letter template:
Letter to be attached to the debt distress file
Then you need to send by post or drop in your file.
Reunion
General case
Online
You must use the following online service:
Declaration of over-indebtedness
FYI
You must join it the commission's letter of referral, after filling it out.
With the form
Your folder must be consolidated multiple documents.
You can use the following letter template:
Letter to be attached to the debt distress file
Then you need to send by post or drop in your file.
Person placed under guardianship, guardianship, safeguarding justice
It is up to the guardian or trustee or agent to make the file of over-indebtedness.
Your folder must be consolidated multiple documents.
You can use the following letter template:
Letter to be attached to the debt distress file
Then you need to send by post or drop in your file.
Martinique
General case
Online
You must use the following online service:
Declaration of over-indebtedness
FYI
You must join it the commission's letter of referral, after filling it out.
With the form
Your folder must be consolidated multiple documents.
You can use the following letter template:
Letter to be attached to the debt distress file
Then you need to send by post or drop in your file.
Person placed under guardianship, guardianship, safeguarding justice
It is up to the guardian or trustee or agent to make the file of over-indebtedness.
Your folder must be consolidated multiple documents.
You can use the following letter template:
Letter to be attached to the debt distress file
Then you need to send by post or drop in your file.
Mayotte
General case
Online
You must use the following online service:
Declaration of over-indebtedness
FYI
You must join it the commission's letter of referral, after filling it out.
With the form
Your folder must be consolidated multiple documents.
You can use the following letter template:
Letter to be attached to the debt distress file
Then you need to send by post or drop in your file.
Person placed under guardianship, guardianship, safeguarding justice
It is up to the guardian or trustee or agent to make the file of over-indebtedness.
Your folder must be consolidated multiple documents.
You can use the following letter template:
Letter to be attached to the debt distress file
Then you need to send by post or drop in your file.
Vous avez choisi
Choisissez votre cas
Guadeloupe
General case
Online
You must use the following online service:
Declaration of over-indebtedness
FYI
You must attach the letter of referral from the commission, after filling it out.
With the form
Your folder must be consolidated multiple documents.
You can use the following letter template:
Letter to be attached to the debt distress file
Then you need to send by post or drop in your file.
Person placed under guardianship, guardianship, safeguarding justice
It is up to the guardian or trustee or agent to make the file of over-indebtedness.
Your folder must be consolidated multiple documents.
You can use the following letter template:
Letter to be attached to the debt distress file
Then you need to send by post or drop in your file.
Guiana
General case
Online
You must use the following online service:
Declaration of over-indebtedness
FYI
You must join it the commission's letter of referral, after filling it out.
With the form
Your folder must be consolidated multiple documents.
You can use the following letter template:
Letter to be attached to the debt distress file
Then you need to send by post or drop in your file.
Person placed under guardianship, guardianship, safeguarding justice
It is up to the guardian or trustee or agent to make the file of over-indebtedness.
Your folder must be consolidated multiple documents.
You can use the following letter template:
Letter to be attached to the debt distress file
Then you need to send by post or drop in your file.
Reunion
General case
Online
You must use the following online service:
Declaration of over-indebtedness
FYI
You must join it the commission's letter of referral, after filling it out.
With the form
Your folder must be consolidated multiple documents.
You can use the following letter template:
Letter to be attached to the debt distress file
Then you need to send by post or drop in your file.
Person placed under guardianship, guardianship, safeguarding justice
It is up to the guardian or trustee or agent to make the file of over-indebtedness.
Your folder must be consolidated multiple documents.
You can use the following letter template:
Letter to be attached to the debt distress file
Then you need to send by post or drop in your file.
Martinique
General case
Online
You must use the following online service:
Declaration of over-indebtedness
FYI
You must join it the commission's letter of referral, after filling it out.
With the form
Your folder must be consolidated multiple documents.
You can use the following letter template:
Letter to be attached to the debt distress file
Then you need to send by post or drop in your file.
Person placed under guardianship, guardianship, safeguarding justice
It is up to the guardian or trustee or agent to make the file of over-indebtedness.
Your folder must be consolidated multiple documents.
You can use the following letter template:
Letter to be attached to the debt distress file
Then you need to send by post or drop in your file.
Mayotte
General case
Online
You must use the following online service:
Declaration of over-indebtedness
FYI
You must join it the commission's letter of referral, after filling it out.
With the form
Your folder must be consolidated multiple documents.
You can use the following letter template:
Letter to be attached to the debt distress file
Then you need to send by post or drop in your file.
Person placed under guardianship, guardianship, safeguarding justice
It is up to the guardian or trustee or agent to make the file of over-indebtedness.
Your folder must be consolidated multiple documents.
You can use the following letter template:
Letter to be attached to the debt distress file
Then you need to send by post or drop in your file.
The filing of your debt distress report has the following immediate effects:
- You are automatically enrolled in National Personal Credit Refund Incident File (FICP).
- You can request the suspension of seizures of your movable property (foreclosure, foreclosure, wage foreclosure), as well as any sales you have made.
- If you own your home, and its forced sale (auction) has been ordered, you can request postponement of the invitation to tender, and therefore the postponement of your expulsion.
After you file your over-indebtedness file, you receive a certificate of deposit. This attestation is proof that you have filed a debt distress report. This certificate is sent to you by simple mail within 2 working days. This certificate shall contain the following information:
- Number assigned to your debt distress report
- Email address where to contact the over-indebtedness commission that will examine your file
- Date of submission of your file. From that date, the debt overhang commission has 3 months to decide whether your file on over-indebtedness is admissible or not.
Warning
You are still required to pay your current expenses (rent, telephone bill...), and repay your credits, despite having filed a debt distress report. You have prohibition on taking out new loans.
Who can help me?
Find who can answer your questions in your region
For advice
Budget advice point (PCB)For information on the civil bankruptcy specific to the inhabitants of Alsace-Moselle
French Federation of Regional Chambers of Social Over-IndebtednessIf you are in the city
34 14: contact a Banque de France official by telephone about over-indebtedness
Number: 34 14
Monday to Friday, from 8 am to 6 pm
Price of a local call (not surcharged)
If you are in the city
Over-indebtedness: address and opening hours of the Banque de FranceIf you are in the city
Request for 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
Document template
Online service
FAQ
Service-Public.fr
Service-Public.fr
Service-Public.fr
Service-Public.fr
Banque de France
Banque de France
Banque de France
Banque de France
Banque de France
French Federation of Regional Chambers of Social Over-Indebtedness
Banque de France
National Institute of Consumer Affairs (INC)
Ministry of Health
Dom Issuing Institute (Banque de France)
Dom Issuing Institute (Banque de France)
Dom Issuing Institute (Banque de France)
Dom Issuing Institute (Banque de France)
Dom Issuing Institute (Banque de France)
Dom Issuing Institute (Banque de France)
Dom Issuing Institute (Banque de France)
Dom Issuing Institute (Banque de France)
Dom Issuing Institute (Banque de France)
Dom Issuing Institute (Banque de France)