Copies of letters sent to your bank or a credit institution with copies of responses
Customer number, address of your bank branch or credit institution
Your date, place of birth, your name and maiden name in the event that registration is contested in a Banque de France file. 47
Following financial difficulties, you file a file with the over-indebtedness commission
You have taken out several loans and, following serious financial difficulties, you can no longer meet the repayments. A two-year grace period would not be enough to get you out of this. You can submit your file to the over-indebtedness commission located in the Banque de France branch in your department. This will offer a conventional recovery plan to your creditors. The plan must be approved by you and your creditors. Its duration will be a maximum of eight years.
The commission can decide to reschedule payments, reduce the interest rate.
If the negotiation is unsuccessful or if you reject the plan, you can appeal to the judge.
recommended letter with receipt note
Dear,
I allow myself to submit my file to you in order to obtain an amicable settlement plan for my debts with my creditors. Indeed, my current financial situation does not allow me to settle all of my debts.
My family situation is as follows (single, married, children and dependents, divorce proceedings…).
My debts amount to (….) Euros. They mainly include credit debts (amount, age of the debt, name and address of the creditor).
I have received an order to pay (indicate the establishment).
My resources are as follows (salaries, social benefits…).
(Possibly) I own the accommodation I occupy.
I am at your disposal to provide you with any information or document that you would use to complete this file.
Thank you for the attention you will pay to my case and please accept, Madam, Sir, the expression of my best regards.
(Signature) 48
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