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{"id":45665,"date":"2015-02-11T17:25:34","date_gmt":"2015-02-11T16:25:34","guid":{"rendered":"https:\/\/vi.si-developpement.fr\/epinalinfo\/2015\/02\/1970-dossiers-de-surendettement-traites-en-2014\/"},"modified":"2015-02-11T17:25:34","modified_gmt":"2015-02-11T16:25:34","slug":"1970-dossiers-de-surendettement-traites-en-2014","status":"publish","type":"post","link":"https:\/\/vi.si-developpement.fr\/epinalinfo\/2015\/02\/1970-dossiers-de-surendettement-traites-en-2014\/","title":{"rendered":"1970 dossiers de surendettement trait\u00e9s en 2014"},"content":{"rendered":" Le directeur de la Banque de France Jean Benoit Dubois et le pr\u00e9fet Gilles Payet\n <\/p>\n
Dans la vie, on ne fait pas ce qu\u2019on veut ou ce qu’on voudrait. En t\u00e9moigne l’interaction de la commission vosgienne de surendettement qui a trait\u00e9 en 2014 pas moins de 1970 dossiers. C’est ce qui ressort de la conf\u00e9rence de presse donn\u00e9e par Jean-Beno\u00eet DUBOIS, directeur de la Banque de France des Vosges et le Pr\u00e9fet des Vosges, Gilbert Payet qui ont pour mission de suivre l\u2019\u00e9tat des finances des familles vosgiennes en harmonisant les conditions d’instruction et d’int\u00e9grer les meilleures articulations avec les disposions relatives au logement et de renforcer le suivi social. En d’autres termes, tout contribuable est suivi et doit rentrer dans les normes fix\u00e9es par l’Etat d\u2019o\u00f9 la pr\u00e9sence du Pr\u00e9fet de d\u00e9partement dans les commissions fortes de 7 membres et dont l’objectif premier est de chercher une conciliation entre d\u00e9biteur et cr\u00e9ancier.<\/p>\n
Ainsi en 2014, la commission s’est r\u00e9unie \u00e0 12 reprises. 1011 dossiers ont \u00e9t\u00e9 trait\u00e9s \u00e0 l’amiable en vue de n\u00e9gocier ou imposer un plan de r\u00e9am\u00e9nagement des dettes….778 ont \u00e9t\u00e9 dirig\u00e9s vers une proc\u00e9dure de r\u00e9tablissement personnel laquelle a ouvert l’essentiel de la voie de l\u2019effacement des dettes prononc\u00e9es par un magistrat.<\/p>\n
En ce qui concerne l’endettement moyen, il se chiffre \u00e0 38 615 \u20ac\u00a0 dont 40% constitu\u00e9 par des dettes financi\u00e8res \u00e0 la consommation. Quant aux encours immobiliers, ils sont pr\u00e9sents dans 17% des dossiers et sont en hausse sensible<\/p>\n
S’agissant des profils des personnes endett\u00e9es, une derni\u00e8re \u00e9tude r\u00e9v\u00e8le que :<\/p>\n
62% des demandeurs sont ch\u00f4meurs, sans profession ou retrait\u00e9s. 58% ont un revenu\u00a0 inf\u00e9rieur ou \u00e9gal au SMIC et 18% \u00e0 peine ont un revenu sup\u00e9rieur \u00e0 2 000 \u20ac et 53% d’entre eux sont \u00e2g\u00e9s de 35 \u00e0 54 ans.<\/p>\n
Une question se pose : est ce que la crise aura\u00a0 pour effet de ralentir la consommation des vosgiens. Rendez-vous fin d\u00e9cembre 2015 pour de nouvelles\u00a0 statistiques.<\/p>\n","protected":false},"excerpt":{"rendered":"
Dans la vie, on ne fait pas ce qu\u2019on veut ou ce qu’on voudrait. En t\u00e9moigne l’interaction de la […]<\/p>\n","protected":false},"author":39,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8,10,5],"tags":[],"acf":[],"yoast_head":"\n
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