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Repurchase credit, solutions credit in the department of aveyron, area of the 12 - France
Simulator real estate credit, simulator of loans, simulators of appropriations
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The sasine of the Commission of Over-indebtedness


Since August 1, 1995, the debtor is obliged to pass initially before the Commission of over-indebtedness and cannot deposit a file directly in front of the judge.


• To seize the Commission:


You must apply to the secretariat of the seat of the Banque de France on which your commune depends, to withdraw a declaration allowing to constitute a file.





• The declaration must comprise the following information:



Name, first names, date and birthplace,
Addresses residence,
Family circumstances (groom, single person, dependent childrens)
State of your incomes and the elements of your movable and real inheritance,
Names and addresses of all your creditors,
Amount of your debts.



Caution: You are responsible for the contents of the declaration which you must obligatorily sign and accompany by all the supporting documents of all your incomes and all your debts (invoices EDF, telephone, rent, loan…) who must do not forget to answer the concept in good faith. It is thus preferable to make check your file by a professional.


This declaration accompanied by the parts must be given or dispatched with the secretariat of Banque de France you depend.


The procedure then started, your creditors are informed


• Procedure before the Commission of Over-indebtedness



The procedure starts with the examination of the admissibility of your request by the Commission of Over-indebtedness


This one checks the legal criteria: your impossibility expresses to settle your debts, your bona fide and the various general terms.



The Commission of Over-indebtedness will make a justified decision and will notify it to you thus that with your créancciers.


This stage of the procedure two situations are possible:


• 1st situation: your request is declared inadmissible


You can dispute it within 15 day in front of the Judge of the Execution by LRAR.



• 2nd situation: your request is declared admissible



Your creditors can dispute your over-indebtedness, your bona fide and more generally than you do not answer the legal conditions which make it possible to seize the Commission of Over-indebtedness, in front of the Judge of the Execution by Registered letter with Acknowledgement of Delivery.

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