La commission de surendettement des Vosges s\u2019est r\u00e9unie mercredi \u00e0 la Pr\u00e9fecture des Vosges. Le bilan, organis\u00e9 et pilot\u00e9 par Sandrine Stein, directrice d\u00e9partementale de la Banque de France, a dress\u00e9 le bilan annuel de l\u2019endettement des m\u00e9nages.<\/strong><\/p>\nLe surendettement des m\u00e9nages vosgiens a baiss\u00e9. En 2021, le nombre de dossiers de surendettement d\u00e9pos\u00e9s dans le d\u00e9partement des Vosges a baiss\u00e9 de 15 % par rapport \u00e0 2019, ann\u00e9e de r\u00e9f\u00e9rence compte tenu d\u2019une ann\u00e9e 2020 atypique \u00e0 cause du confinement.
\n875 dossiers ont \u00e9t\u00e9 d\u00e9pos\u00e9s dans le d\u00e9partement des Vosges au cours de l\u2019ann\u00e9e , dont environ 48 % par des personnes ayant eu recours \u00e0 la proc\u00e9dure pour la premi\u00e8re fois. Une baisse significative puisqu\u2019en 2013, 1970 dossiers avaient \u00e9t\u00e9 d\u00e9pos\u00e9s.<\/p>\n
Les personnes isol\u00e9es et les jeunes m\u00e9nages les plus touch\u00e9s<\/strong><\/p>\nLa typologie des personnes en situation de surendettement sont pour un tiers au ch\u00f4mage, un chiffre sup\u00e9rieur \u00e0 la moyenne nationale (1\/4). 60% sont des personnes isol\u00e9es, 53% sont des femmes. La Banque de France \u00a0souligne \u00e9galement une surrepr\u00e9sentation des 25 \u00e0 35 ans.
\n5\u00e0% des d\u00e9posants n\u2019ont pas la capacit\u00e9 de rembourser leur dette. Pour 25% des cas, le surendettement n\u2019est pas d\u00fb \u00e0 une dette financi\u00e8re mais aux charges de la vie courante qui ne cessent d\u2019augmenter et cette p\u00e9riode de crise.<\/p>\n
Dans le d\u00e9partement, en 2021, l\u2019endettement m\u00e9dian hors immobilier des m\u00e9nages surendett\u00e9s s\u2019\u00e9tablit \u00e0 16 289 euros contre 17 170 euros dans la r\u00e9gion et 16 075 euros en France. 47,6 % des proc\u00e9dures de surendettement ont donn\u00e9 lieu \u00e0 un r\u00e9am\u00e9nagement des dettes, y compris avec effacement partiel (contre 47,8 % dans la r\u00e9gion et 49% en France). 41,7 % des proc\u00e9dures de surendettement ont donn\u00e9 lieu \u00e0 un effacement total des dettes dans le d\u00e9partement (contre 42,8% dans la r\u00e9gion et 40% en France).<\/p>\n
Des aides de la CAF et de la Banque de France<\/strong><\/p>\nFace \u00e0 cette situation, tous peuvent \u00eatre accompagn\u00e9s par des travailleurs sociaux et la Caisse d\u2019allocations Familiales (CAF). Dans le d\u00e9partement des Vosges, la Banque de France va mettre en place un correspondant inclusion financi\u00e8re \u00a0qui sera l\u2019interlocuteur privil\u00e9gi\u00e9 des intervenants sociaux et bancaires \u00a0et un portail national www.mesquestionsdargent.fr<\/a> \u00a0pour vous informer et vous accompagner au quotidien.<\/p>\n <\/p>\n","protected":false},"excerpt":{"rendered":"
La commission de surendettement des Vosges s\u2019est r\u00e9unie mercredi \u00e0 la Pr\u00e9fecture des Vosges. Le bilan, organis\u00e9 et pilot\u00e9 par […]<\/p>\n","protected":false},"author":44,"featured_media":12782,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[22,8,162,5],"tags":[2082,2083,2084],"acf":[],"yoast_head":"\n
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![\"Sandrine](\"\/2022\/02\/Sandrine-Stein-directrice-d\u00e9partementale-Banque-de-France-et-Virginie-Martinez-directrice-de-cabinet-pr\u00e9fecture.jpg\")
<\/a><\/p>\n