{"id":64338,"date":"2026-04-21T10:14:01","date_gmt":"2026-04-21T14:14:01","guid":{"rendered":"https:\/\/www.cleo.on.ca\/?post_type=publications-page&#038;p=64338"},"modified":"2026-04-21T10:15:33","modified_gmt":"2026-04-21T14:15:33","slug":"reglement-de-dette","status":"publish","type":"publications-page","link":"https:\/\/www.cleo.on.ca\/fr\/publications-page\/reglement-de-dette","title":{"rendered":"R\u00e8glement de dette"},"content":{"rendered":"<p>Les entreprises de r\u00e8glement de dette peuvent vous offrir des services semblables \u00e0 ceux d&rsquo;un conseiller en cr\u00e9dit. Cependant, il s&rsquo;agit d&rsquo;entreprises \u00e0 but lucratif, ce qui signifie qu&rsquo;elles tirent un profit en contrepartie de leurs services. Mais il existe d&rsquo;autres diff\u00e9rences importantes.<\/p>\n<p>Lorsque vous faites appel \u00e0 des entreprises de r\u00e8glement de dette, vous courez certains autres risques. En effet, celles-ci pourraient, par exemple :<\/p>\n<ul>\n<li>omettre d&rsquo;informer tous vos cr\u00e9anciers du remboursement de vos dettes, de sorte que ceux-ci pourraient continuer \u00e0 vous appeler\u200a;<\/li>\n<li>payer une facture \u00e0 la fois, de sorte que vos cr\u00e9anciers pourraient vous poursuivre pour tenter de recouvrer les sommes que vous leur devez\u200a;<\/li>\n<li>vous repr\u00e9senter, vous et votre cr\u00e9ancier, ce qui constitue un conflit d&rsquo;int\u00e9r\u00eats.<\/li>\n<\/ul>\n<p>Ces entreprises pourraient aussi omettre de vous aider \u00e0 apprendre comment \u00e9viter l&rsquo;endettement.<\/p>\n<p>Les entreprises de r\u00e8glement de dette portent diff\u00e9rents noms, par exemple des entreprises de consolidation de dette, d&rsquo;all\u00e8gement de dette et de r\u00e9duction de dette.<\/p>\n<p>Elles doivent \u00eatre inscrites aupr\u00e8s du gouvernement de l&rsquo;Ontario.<\/p>","protected":false},"featured_media":0,"template":"","class_list":["post-64338","publications-page","type-publications-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>R\u00e8glement de dette - CLEO (Community Legal Education Ontario \/ \u00c9ducation juridique communautaire Ontario)<\/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:\/\/www.cleo.on.ca\/fr\/publications-page\/reglement-de-dette\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"R\u00e8glement de dette - CLEO (Community Legal Education Ontario \/ \u00c9ducation juridique communautaire Ontario)\" \/>\n<meta property=\"og:description\" content=\"Les entreprises de r\u00e8glement de dette peuvent vous offrir des services semblables \u00e0 ceux d&rsquo;un conseiller en cr\u00e9dit. 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