{"id":655,"date":"2016-12-21T11:59:03","date_gmt":"2016-12-21T16:59:03","guid":{"rendered":"http:\/\/creditcounsellingcanada.ca\/?page_id=655\/"},"modified":"2020-08-28T13:22:23","modified_gmt":"2020-08-28T17:22:23","slug":"conseil-en-credit-faq","status":"publish","type":"page","link":"https:\/\/creditcounsellingcanada.ca\/fr\/conseil-en-credit-faq\/","title":{"rendered":"Conseil en cr\u00e9dit FAQ"},"content":{"rendered":"

[et_pb_section bb_built=\u00a0\u00bb1″ admin_label=\u00a0\u00bbsection\u00a0\u00bb transparent_background=\u00a0\u00bboff\u00a0\u00bb allow_player_pause=\u00a0\u00bboff\u00a0\u00bb inner_shadow=\u00a0\u00bboff\u00a0\u00bb parallax=\u00a0\u00bboff\u00a0\u00bb parallax_method=\u00a0\u00bboff\u00a0\u00bb custom_padding=\u00a0\u00bb0px|0px|0px|0px\u00a0\u00bb padding_mobile=\u00a0\u00bbon\u00a0\u00bb make_fullwidth=\u00a0\u00bboff\u00a0\u00bb use_custom_width=\u00a0\u00bboff\u00a0\u00bb width_unit=\u00a0\u00bbon\u00a0\u00bb make_equal=\u00a0\u00bboff\u00a0\u00bb use_custom_gutter=\u00a0\u00bboff\u00a0\u00bb background_image=\u00a0\u00bbhttps:\/\/creditcounsellingcanada.ca\/wp-content\/uploads\/2016\/11\/How-Can-We-Help_Hero.jpg\u00a0\u00bb module_class=\u00a0\u00bbpage-title-image\u00a0\u00bb custom_padding_tablet=\u00a0\u00bb0px|0px|0px|0px\u00a0\u00bb inner_width=\u00a0\u00bbauto\u00a0\u00bb inner_max_width=\u00a0\u00bb970px\u00a0\u00bb next_background_color=\u00a0\u00bb#ffffff\u00a0\u00bb][et_pb_row admin_label=\u00a0\u00bbrow\u00a0\u00bb make_fullwidth=\u00a0\u00bbon\u00a0\u00bb use_custom_width=\u00a0\u00bboff\u00a0\u00bb width_unit=\u00a0\u00bbon\u00a0\u00bb use_custom_gutter=\u00a0\u00bboff\u00a0\u00bb custom_padding=\u00a0\u00bb0px|0px|0px|0px\u00a0\u00bb padding_mobile=\u00a0\u00bbon\u00a0\u00bb allow_player_pause=\u00a0\u00bboff\u00a0\u00bb parallax=\u00a0\u00bboff\u00a0\u00bb parallax_method=\u00a0\u00bboff\u00a0\u00bb make_equal=\u00a0\u00bboff\u00a0\u00bb column_padding_mobile=\u00a0\u00bbon\u00a0\u00bb background_position=\u00a0\u00bbtop_left\u00a0\u00bb background_repeat=\u00a0\u00bbrepeat\u00a0\u00bb background_size=\u00a0\u00bbinitial\u00a0\u00bb module_class=\u00a0\u00bb et_pb_row_fullwidth\u00a0\u00bb width=\u00a0\u00bb89%\u00a0\u00bb width_tablet=\u00a0\u00bb80%\u00a0\u00bb width_last_edited=\u00a0\u00bbon|desktop\u00a0\u00bb max_width=\u00a0\u00bb89%\u00a0\u00bb max_width_tablet=\u00a0\u00bb80%\u00a0\u00bb max_width_last_edited=\u00a0\u00bbon|desktop\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4″ custom_padding__hover=\u00a0\u00bb|||\u00a0\u00bb custom_padding=\u00a0\u00bb|||\u00a0\u00bb parallax_method=\u00a0\u00bboff\u00a0\u00bb][et_pb_text admin_label=\u00a0\u00bbHow We Can Help Image Page Title\u00a0\u00bb background_layout=\u00a0\u00bblight\u00a0\u00bb text_orientation=\u00a0\u00bbleft\u00a0\u00bb use_border_color=\u00a0\u00bboff\u00a0\u00bb border_color=\u00a0\u00bb#ffffff\u00a0\u00bb border_style=\u00a0\u00bbsolid\u00a0\u00bb background_position=\u00a0\u00bbtop_left\u00a0\u00bb background_repeat=\u00a0\u00bbrepeat\u00a0\u00bb background_size=\u00a0\u00bbinitial\u00a0\u00bb]<\/p>\n

COMMENT NOUS AIDONS<\/h2>\n

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CONSEIL EN CR\u00c9DIT FAQ<\/h1>\n

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Suis-je admissible \u00e0 vos services?<\/span><\/span><\/h3>\n\t\t\t\t\t
R\u00e9ponse > Les organismes membres de CCC desservent toute personne qui a besoin de conseils sur la gestion des finances et du cr\u00e9dit, ainsi que sur la r\u00e9duction et l\u2019\u00e9limination des dettes.<\/div>\n\t\t\t\t<\/div>
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Y a-t-il des frais pour votre service?<\/span><\/span><\/h3>\n\t\t\t\t\t
R\u00e9ponse > Tous les services sont fournis gratuitement ou \u00e0 faibles co\u00fbts, et ces frais doivent \u00eatre divulgu\u00e9s ouvertement au consommateur avant que des services ne soient offerts. Les organismes membres de CCC sont tenus d\u2019offrir des services \u00e0 titre gratuit au cas o\u00f9 la personnes\/famille n\u2019est pas en mesure de payer.<\/div>\n\t\t\t\t<\/div>
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Quelles sont les comp\u00e9tences de vos conseillers? O\u00f9 obtiennent-ils leur agr\u00e9ment?<\/span><\/span><\/h3>\n\t\t\t\t\t
R\u00e9ponse > Les conseillers en mati\u00e8re de cr\u00e9dit participent \u00e0 un programme de formation de six \u00e0 huit semaines pour faire en sorte qu\u2019ils ont toutes les aptitudes requises pour offrir des services. De plus, ils obtiennent divers certificats au moyen de cours sur les finances personnelles, y compris le Cours de qualification pour les conseillers en insolvabilit\u00e9 offert par l\u2019Association canadienne des professionnels de l\u2019insolvabilit\u00e9 et de la r\u00e9organisation. Tous les conseillers sont tenus de se pr\u00e9valoir de la Certification de conseiller financier du Canada, offerte par l\u2019entremise de la Association for Financial Counseling and Planning Education. Les cours de certification comprennent les conseils en mati\u00e8re de finances personnelles et de finances. Bon nombre de nos conseillers viennent du milieu des finances ou des conseils, ce qui am\u00e9liore davantage leur capacit\u00e9 \u00e0 pouvoir vous aider.<\/div>\n\t\t\t\t<\/div>
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Que font les membres de CCC? Comment peuvent-ils m\u2019aider?<\/span><\/span><\/h3>\n\t\t\t\t\t
R\u00e9ponse > Le personnel de l\u2019organisme membre de CCC fixera un rendez-vous pour que vous puissiez discuter avec un de ses conseillers autoris\u00e9s, en personne ou par t\u00e9l\u00e9phone, pour examiner votre situation financi\u00e8re. Il vous aidera au moyen d\u2019outils et de renseignements sur la gestion des finances, dans le but de vous aide \u00e0 aborder vos pr\u00e9occupations financi\u00e8res personnelles.<\/div>\n\t\t\t\t<\/div>
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Comment pouvez vous m'aider avec mes dettes? Pr\u00eatez vous de l'argent?<\/span><\/span><\/h3>\n\t\t\t\t\t
R\u00e9ponse > Les membres de CCC offrent des programmes de remboursement de dette aux consommateurs qui \u00e9prouvent des difficult\u00e9s \u00e0 r\u00e9pondre \u00e0 leurs obligations en mati\u00e8re de mensualit\u00e9s, et qui ont besoin d\u2019aide. Ils communiqueront avec vos cr\u00e9anciers en votre nom et proposeront un calendrier de versements en fonction de votre capacit\u00e9 de payer. Ce programme ne comprend pas un pr\u00eat mon\u00e9taire. Un programme de remboursement de dette et vous donne l\u2019occasion de rembourser toutes vos dettes tout en vous en tenant \u00e0 un budget raisonnable.<\/div>\n\t\t\t\t<\/div>
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Mes cr\u00e9anciers communiqueront-ils encore avec moi apr\u00e8s que j\u2019aie entrepris un programme de remboursement de dette?<\/span><\/span><\/h3>\n\t\t\t\t\t
R\u00e9ponse > Une fois que les cr\u00e9anciers re\u00e7oivent un appel de la part d\u2019un organisme membre du CCC, ils communiqueront habituellement avec l\u2019organisme s\u2019ils souhaitent obtenir tout renseignement dont ils pourraient avoir besoin pour votre dossier. Si vous recevez toujours des appels, r\u00e9f\u00e9rez imm\u00e9diatement le cr\u00e9ancier \u00e0 l\u2019organisme. Vous \u00eates toujours responsable pour votre dette et les cr\u00e9anciers peuvent communiquer avec vous, surtout si vous manquez une mensualit\u00e9.<\/div>\n\t\t\t\t<\/div>
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Les cr\u00e9anciers cesseront-ils d\u2019imposer des int\u00e9r\u00eats pendant que je suis inscrit au programme?<\/span><\/span><\/h3>\n\t\t\t\t\t
R\u00e9ponse > Le programme de remboursement de dette est un programme volontaire appuy\u00e9 par la plupart des cr\u00e9anciers. Bon nombre d\u2019entre eux r\u00e9duisent ou \u00e9liminent les int\u00e9r\u00eats, ainsi que les frais continus\/frais de retard pour vous aider \u00e0 rembourser vos dettes dans des d\u00e9lais raisonnables.<\/div>\n\t\t\t\t<\/div>
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Comment un programme de remboursement de dette diff\u00e8rent-ils de la faillite?<\/span><\/span><\/h3>\n\t\t\t\t\t
R\u00e9ponse > Les organismes membres de CCC offrent un point de vue impartial et ne feront que des suggestions bas\u00e9es sur votre situation financi\u00e8re actuelle. Que vous choisissiez de d\u00e9clarer faillite ou non demeure votre d\u00e9cision. Le programme de remboursement de dette est offert comme option pour aider les personnes endett\u00e9es \u00e0 rembourser leur dette au moyen de mensualit\u00e9s g\u00e9rables. Il offre \u00e9galement une cote plus \u00e9lev\u00e9e sur un rapport de cr\u00e9dit que dans le cas d\u2019une faillite, ce qui facilite le r\u00e9tablissement du cr\u00e9dit une fois que les dettes sont rembours\u00e9es.<\/div>\n\t\t\t\t<\/div>
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Comment un programme de remboursement de dette diff\u00e8re-il d\u2019une proposition de consommateur?<\/span><\/span><\/h3>\n\t\t\t\t\t
R\u00e9ponse > Une proposition de consommateur aux cr\u00e9ancier est une proc\u00e9dure qui a force juridique obligatoire et qui est administr\u00e9e par la cour au moyen d\u2019un syndic de faillite autoris\u00e9. Vous et vos cr\u00e9anciers \u00eates tenus l\u00e9galement \u00e0 des arrangements de mensualit\u00e9 faits par le syndic. Habituellement, la somme rembours\u00e9e est inf\u00e9rieure \u00e0 la somme compl\u00e8te. Votre situation financi\u00e8re doit vous permettre de r\u00e9pondre \u00e0 ces arrangements, puisque le d\u00e9faut d\u2019effectuer les mensualit\u00e9s entra\u00eenera la faillite. Un programme de remboursement de dette est un arrangement volontaire informel qui vous permet de payer vos dettes au complet, habituellement \u00e0 des taux d\u2019int\u00e9r\u00eat moins \u00e9lev\u00e9s.<\/div>\n\t\t\t\t<\/div><\/p>\n

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COMMENT NOUS AIDONS CONSEIL EN CR\u00c9DIT FAQ

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Suis-je admissible \u00e0 vos services?<\/span><\/span><\/h3>\n\t\t\t\t\t
<\/div>\n\t\t\t\t<\/div>R\u00e9ponse > Les organismes membres de CCC desservent toute personne qui a besoin de conseils sur la […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"[learn_more caption=\"Am I eligible for your services?\" state=\"open\"]Answer > Credit Counselling Canada member agencies serve anyone who needs help managing money and credit as well as reducing or eliminating debts.[\/learn_more]\r\n\r\n[learn_more caption=\"Is there a fee for your service?\"]Answer > All services are provided at no cost or low cost and must be fully disclosed to consumers prior to receiving service. Credit Counselling Canada member agencies are required to provide services at no cost when the individual\/family is unable to pay.[\/learn_more]\r\n\r\n[learn_more caption=\"What qualifications do your counsellors have?\"]Answer > All credit counsellors are required to have the Accredited Financial Counsellor Canada certification through the Association for Financial Counseling and Planning Education<\/a>. Courses in the certification include Personal Finance and Financial Counselling. Credit counsellors obtain additional various certificates through courses related to personal finances including the Insolvency Counsellor\u2019s Qualification Course though the Canadian Association of Insolvency and Restructuring Professionals<\/a>. Many of our counsellors come from a financial and\/or counselling background which further enhances their ability to assist you.[\/learn_more]\r\n\r\n[learn_more caption=\"What do Credit Counselling Canada members do? How can they help me?\"]Answer > Credit Counselling Canada member agencies will set up an appointment for you to speak with one of their certified counsellors in person or by telephone to review your financial situation. They will assist you with money management tools and information to help address your personal financial concerns.[\/learn_more]\r\n\r\n[learn_more caption=\"How can you help me with my debts? Do you loan money?\"]Answer > Credit Counselling Canada members offer debt repayment programs<\/a> for consumers having difficulty meeting their monthly payment obligations and requiring assistance. They will contact your creditors on your behalf and propose a payment schedule based on your ability to pay. This program doesn\u2019t involve loaning money to you. A debt repayment program consolidates your monthly debt payments and gives you the opportunity to repay all your debt while maintaining a reasonable budget.[\/learn_more]\r\n\r\n[learn_more caption=\"Will my creditors continue to contact me after going on a debt repayment program?\"]Answer > Once the creditors are contacted in writing by a Credit Counselling Canada member agency, they will generally contact the agency for any details or information they may need about your file. If you continue to receive phone calls, immediately refer the creditor back to the agency. You are still responsible for the debt and creditors may contact you particularly if you miss a payment.[\/learn_more]\r\n\r\n[learn_more caption=\"Will the creditors stop the interest while I am on the program?\"]Answer > The debt repayment program is a voluntary program supported by most creditors. Many creditors reduce or forgive the interest along with ongoing charges\/late fees to help you repay your debts in a reasonable amount of time.[\/learn_more]\r\n\r\n[learn_more caption=\"How is a debt repayment program different from bankruptcy?\"]Answer > CCC member agencies offer an impartial point of view and will only make suggestions based on your current financial situation. Whether you choose to file bankruptcy or not, is your decision. A debt repayment program is offered as an option to help people repay their debts with manageable payments. It also provides a higher rating on a credit report than filing for bankruptcy which makes it easier to re-establish credit once all debts have been paid.[\/learn_more]\r\n\r\n[learn_more caption=\"How is a debt repayment program different from a consumer proposal?\"]Answer > A consumer proposal to creditors is a legally binding procedure that is administered for the courts through a licensed trustee in bankruptcy. Both you and your creditors are bound to payment arrangements made through the trustee. Usually the amount repaid is less than the full amount. Your financial position must allow you to meet these arrangements, as the default results in bankruptcy. A debt repayment program is an informal voluntary arrangement which allows you to pay your debts in full, usually at reduced interest rates.[\/learn_more]","_et_gb_content_width":"","footnotes":""},"class_list":["post-655","page","type-page","status-publish","hentry"],"yoast_head":"\nConseil en cr\u00e9dit FAQ - Conseil en cr\u00e9dit du Canada Fran\u00e7ais<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/creditcounsellingcanada.ca\/fr\/conseil-en-credit-faq\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Conseil en cr\u00e9dit FAQ - Conseil en cr\u00e9dit du Canada Fran\u00e7ais\" \/>\n<meta property=\"og:description\" content=\"COMMENT NOUS AIDONS CONSEIL EN CR\u00c9DIT FAQ R\u00e9ponse > Les organismes membres de CCC desservent toute personne qui a besoin de conseils sur la […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/creditcounsellingcanada.ca\/fr\/conseil-en-credit-faq\/\" \/>\n<meta property=\"og:site_name\" content=\"Conseil en cr\u00e9dit du Canada Fran\u00e7ais\" \/>\n<meta property=\"article:modified_time\" content=\"2020-08-28T17:22:23+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data1\" content=\"9 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/creditcounsellingcanada.ca\\\/fr\\\/conseil-en-credit-faq\\\/\",\"url\":\"https:\\\/\\\/creditcounsellingcanada.ca\\\/fr\\\/conseil-en-credit-faq\\\/\",\"name\":\"Conseil en cr\u00e9dit FAQ - 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