{"id":732,"date":"2020-03-24T21:51:28","date_gmt":"2020-03-24T20:51:28","guid":{"rendered":"http:\/\/pierre-noblet-dev.tech\/public\/?p=732"},"modified":"2022-04-15T09:42:33","modified_gmt":"2022-04-15T07:42:33","slug":"surendettement","status":"publish","type":"post","link":"https:\/\/pierre-noblet-dev.tech\/public\/surendettement\/","title":{"rendered":"Surendettement &#8211; proc\u00e9dure Banque de France"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"732\" class=\"elementor elementor-732\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-24aab530 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"24aab530\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-16 elementor-top-column elementor-element elementor-element-6daf7c4b\" data-id=\"6daf7c4b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6f7ac40a elementor-button-info elementor-align-center elementor-widget elementor-widget-button\" data-id=\"6f7ac40a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#public_rsa\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Public concern\u00e9<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-16 elementor-top-column elementor-element elementor-element-7e720f19\" data-id=\"7e720f19\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7f8135ca elementor-button-info elementor-align-center elementor-widget elementor-widget-button\" data-id=\"7f8135ca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#principales_conditions_rsa\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Principales Conditions<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-16 elementor-top-column elementor-element elementor-element-cc02d2f\" data-id=\"cc02d2f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-594fb38 elementor-button-info elementor-align-center elementor-widget elementor-widget-button\" data-id=\"594fb38\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#procedure\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Proc\u00e9dures<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-16 elementor-top-column elementor-element elementor-element-717079c5\" data-id=\"717079c5\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-16f657d5 elementor-button-info elementor-align-center elementor-widget elementor-widget-button\" data-id=\"16f657d5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#a_noter\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">A noter<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-16 elementor-top-column elementor-element elementor-element-4dff443c\" data-id=\"4dff443c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7951cfb8 elementor-button-info elementor-align-center elementor-widget elementor-widget-button\" data-id=\"7951cfb8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#orienter_rsa\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">O\u00f9 orienter<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-16 elementor-top-column elementor-element elementor-element-c7961d4\" data-id=\"c7961d4\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-575c2f7e elementor-button-info elementor-align-center elementor-widget elementor-widget-button\" data-id=\"575c2f7e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#Aller_plus_loin_rsa\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Aller plus loin<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-23bcd41b elementor-section-full_width elementor-section-content-space-between elementor-section-height-default elementor-section-height-default\" data-id=\"23bcd41b\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7659d34f\" data-id=\"7659d34f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4e5b5530 elementor-widget elementor-widget-heading\" data-id=\"4e5b5530\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">D\u00e9finition<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-56aded2e elementor-widget elementor-widget-text-editor\" data-id=\"56aded2e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La situation de surendettement est caract\u00e9ris\u00e9e par l\u2019impossibilit\u00e9 manifeste de faire face \u00e0 l\u2019ensemble de ses dettes non professionnelles \u00e9chues (impay\u00e9es), exigibles (\u00e0 payer imm\u00e9diatement) et \u00e0 \u00e9choir (dont on sait d\u00e9j\u00e0 qu&rsquo;on ne pourra pas les payer).<\/p><p><strong>Dettes les plus courantes<\/strong> : cr\u00e9dit immobilier, <a href=\"https:\/\/pierre-noblet-dev.tech\/public\/?p=825\" target=\"_blank\" rel=\"noopener\">cr\u00e9dits consommation amortissables ou renouvelables (cf. lexique)<\/a>, solde d\u00e9biteur du compte de d\u00e9p\u00f4t, d\u00e9bit diff\u00e9r\u00e9 de carte bancaire, impay\u00e9s de ch\u00e8que ou carte, logement, t\u00e9l\u00e9phonie, transports, <a href=\"https:\/\/pierre-noblet-dev.tech\/public\/?p=981\">reconnaissance de dette (cf. lexique<\/a>), &#8230;<\/p><p><a href=\"https:\/\/www.legifrance.gouv.fr\/affichCodeArticle.do?idArticle=LEGIARTI000032224607&amp;cidTexte=LEGITEXT000006069565&amp;dateTexte=20160701\" target=\"_blank\" rel=\"noopener\">Articles L. 711-1 et L. 712-2 du Code de la consommation<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3e8906af elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3e8906af\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4ad9bfd5\" data-id=\"4ad9bfd5\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3687d654 elementor-widget elementor-widget-menu-anchor\" data-id=\"3687d654\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"public_rsa\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-53e5fa57 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"53e5fa57\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-41b6b89\" data-id=\"41b6b89\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-668db877 elementor-widget elementor-widget-heading\" data-id=\"668db877\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Public concern\u00e9<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-237bb1f3 elementor-widget elementor-widget-text-editor\" data-id=\"237bb1f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Fran\u00e7ais domicili\u00e9 en France ou \u00e0 l&rsquo;\u00e9tranger, ou \u00e9tranger domicili\u00e9 en France, majeur ou mineur \u00e9mancip\u00e9.<\/li><li><strong>Personnes solidaires<\/strong> des dettes : les cr\u00e9anciers peuvent demander \u00e0 chaque personne solidaire de rembourser <span style=\"text-decoration: underline;\">l\u2019int\u00e9gralit\u00e9<\/span> d\u2019une dette. Ainsi si l\u2019un seulement d\u00e9pose un dossier les cr\u00e9anciers vont se retourner vers le non d\u00e9posant qui devra n\u00e9gocier avec les cr\u00e9anciers en direct ou bien d\u00e9poser un dossier <u style=\"font-family: inherit; font-style: inherit; font-weight: inherit;\">si \u00e9ligible<\/u><span style=\"font-size: 15px;\">.<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3f6321b7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3f6321b7\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-26c7a7e6\" data-id=\"26c7a7e6\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ee7b940 elementor-widget elementor-widget-menu-anchor\" data-id=\"ee7b940\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"principales_conditions_rsa\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-58c6ea0b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"58c6ea0b\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-747e498c\" data-id=\"747e498c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7db1712d elementor-widget elementor-widget-heading\" data-id=\"7db1712d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Principales conditions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-594ed354 elementor-widget elementor-widget-text-editor\" data-id=\"594ed354\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ol><li>dettes\u00a0 exclues :<p>&#8211; dettes alimentaires (cf. fiches pension alimentaire (<a href=\"https:\/\/pierre-noblet-dev.tech\/public\/?p=1407\" target=\"_blank\" rel=\"noopener\">cf. fiche enfants e<\/a><a style=\"font-family: Lato, sans-serif; font-size: 15px; font-style: normal; font-weight: 300; color: #3f84a4;\" href=\"https:\/\/pierre-noblet-dev.tech\/public\/?p=1383\" target=\"_blank\" rel=\"noopener\">t fiche ascendants<\/a>)<\/p><p><span style=\"font-size: 15px;\">&#8211; les amendes et dommages-int\u00e9r\u00eats li\u00e9s \u00e0 une condamnation p\u00e9nale,\u00a0<\/span><\/p>&#8211; les pr\u00eats sur gage et les cr\u00e9ances frauduleuses aupr\u00e8s d\u2019un organisme social<\/li><li>l&rsquo;endettement est de bonne foi (cf. ci-apr\u00e8s)<\/li><li><p>Crit\u00e8res de la bonne foi :<\/p><ul><li>le particulier a communiqu\u00e9 de mani\u00e8re sinc\u00e8re sur sa capacit\u00e9 de remboursement au moment de la souscription et n\u2019a pas organis\u00e9 son insolvabilit\u00e9<\/li><li>le co-emprunteur a sign\u00e9 de sa main les contrats<\/li><li>la totalit\u00e9 des cr\u00e9dits et dettes non financi\u00e8res a \u00e9t\u00e9 d\u00e9clar\u00e9e<\/li><li>les dettes et cr\u00e9dits de moins de 3 mois ont \u00e9t\u00e9 subies (exemple : remplacement,\u00a0 r\u00e9parations), ou ont servi aux charges courantes (exemple : loyer) ou au rachat d\u2019un cr\u00e9dit plus co\u00fbteux<\/li><\/ul><\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-afc7674 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"afc7674\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-848de13\" data-id=\"848de13\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-363e658 elementor-widget elementor-widget-menu-anchor\" data-id=\"363e658\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"procedure\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-843a5d9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"843a5d9\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-bceb4a1\" data-id=\"bceb4a1\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6595263 elementor-widget elementor-widget-heading\" data-id=\"6595263\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Proc\u00e9dures<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b9638f2 elementor-widget elementor-widget-text-editor\" data-id=\"b9638f2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ol><li>\u00a0<a href=\"https:\/\/pierre-noblet-dev.tech\/public\/?p=815\">fichage FICP<\/a> (cf. lexique) suite au d\u00e9p\u00f4t du dossier de d\u00e9claration de surendettement<\/li><li>d\u00e9cision de recevabilit\u00e9 (ou non) : au moins 3 semaines apr\u00e8s la d\u00e9claration, .<br \/>Si recevable :\u00a0 vous recevrez par courrier recommand\u00e9 avec AR, un \u00e9tat d\u00e9taill\u00e9 des dettes avec leur montant actualis\u00e9.<\/li><li>Recours possible dans un <strong>d\u00e9lai de 20 jours<\/strong> :\u00a0 demander \u00e0 la commission de saisir le juge afin de v\u00e9rifier la validit\u00e9 des cr\u00e9ances.<br \/>Si non recevable : recours possible<\/li><li>\u00a0proposition d&rsquo;une solution par la Commission de surendettement.<br \/>Recours possible<\/li><li>mise en application d&rsquo;une solution aupr\u00e8s des cr\u00e9anciers et de la banque de la personne surendett\u00e9e<\/li><li><p><span style=\"font-size: 15px;\">d\u00e9clarer au fil de l&rsquo;eau des changements durables (revenus, composition du foyer, &#8230;)<\/span><\/p><\/li><li>d\u00e9clarer au fil de l&rsquo;eau les nouvelles dettes (en expliquant la bonne foi)<\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6af1d510 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6af1d510\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-744c5067\" data-id=\"744c5067\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2b815c94 elementor-widget elementor-widget-menu-anchor\" data-id=\"2b815c94\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"a_noter\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6af0c298 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6af0c298\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-531b9d0a\" data-id=\"531b9d0a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5ce90470 elementor-widget elementor-widget-heading\" data-id=\"5ce90470\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">A noter<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3ea30857 elementor-widget elementor-widget-text-editor\" data-id=\"3ea30857\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Commission de surendettement : <\/strong><\/p><p>la commission ne peut pas pr\u00eater, racheter ou regrouper vos cr\u00e9dits ; elle ne peut pas payer vos cr\u00e9dits \u00e0 votre place, ni vous accorder de subventions.<\/p><p>7 membres : pr\u00e9sid\u00e9e par le pr\u00e9fet ou son repr\u00e9sentant, elle comprend un repr\u00e9sentant des finances publiques, des \u00e9tablissements de cr\u00e9dit et des consommateurs, un sp\u00e9cialiste en \u00e9conomie sociale et familiale, et un juriste.<br \/>La liste des membres de chaque commission est disponible sur <a href=\"http:\/\/www.banque-france.fr\">www.banque-france.fr<\/a>.<\/p><p><strong>Fichage FICP\u00a0:<br \/><\/strong>le fichier <a href=\"https:\/\/pierre-noblet-dev.tech\/public\/?p=815\">FICP (cf.lexique)<\/a> est consult\u00e9 par les organismes de cr\u00e9dit \/ banques avant l&rsquo;octroi d&rsquo;un cr\u00e9dit. Le fichage FICP recense les incidents de remboursement des cr\u00e9dits aux particuliers et\u00a0 les situations de surendettement.<\/p><p><strong>Action Ecrivain<\/strong> :<\/p><ul><li>v\u00e9rifier l&rsquo;\u00e9ligibilit\u00e9 du statut de la personnes et de la nature des dettes<\/li><li><a href=\"https:\/\/pierre-noblet-dev.tech\/public\/?p=981\">indiquer un mod\u00e8le de reconnaissance de dette (cf. lexique)<\/a><\/li><li>\u00e9crire un courrier<\/li><li>communiquer le guide du surendettement <a href=\"https:\/\/particuliers.banque-france.fr\/sites\/default\/files\/guide-surendettement.pdf\" target=\"_blank\" rel=\"noopener\">https:\/\/www.banque-france.fr\/<\/a><\/li><li>remplir le dossier et joindre les justificatifs voir dossier de <strong>17 pages<\/strong> en ligne et la notice d&rsquo;explications <a href=\"https:\/\/particuliers.banque-france.fr\/surendettement\/le-dossier-de-surendettement\">https:\/\/particuliers.banque-france.fr\/surendettement\/le-dossier-de-surendettement<\/a><\/li><\/ul><p>Dans la lettre\u00a0 type:<\/p><ul><li>expliquer l&rsquo;apparition de l&rsquo;endettement et la bonne foi<\/li><li>demander la suspension des poursuites engag\u00e9es contre vous telles que la saisie de vos biens ou de vos ressources.<\/li><li>demander au juge de suspendre la proc\u00e9dure d\u2019expulsion.<\/li><\/ul><p><strong>Mod\u00e8le lettre\u00a0recours contre le rejet d&rsquo;un dossier de surendettement :<\/strong><br \/><a href=\"https:\/\/www.service-public.fr\/particuliers\/vosdroits\/R993\" target=\"_blank\" rel=\"noopener\">https:\/\/www.service-public.fr\/particuliers\/vosdroits\/R993<\/a><\/p><p id=\"titrePage\" class=\"demarche-title-label\" data-test=\"titre-page\"><strong>Mod\u00e8le lettre pour demander des mesures impos\u00e9es par la commission de surendettement :<br \/><a href=\"https:\/\/www.service-public.fr\/particuliers\/vosdroits\/R994\" target=\"_blank\" rel=\"noopener\">https:\/\/www.service-public.fr\/particuliers\/vosdroits\/R994<\/a><br \/><\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-bba3c20 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bba3c20\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-43234442\" data-id=\"43234442\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6674d87d elementor-widget elementor-widget-menu-anchor\" data-id=\"6674d87d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"orienter_rsa\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-760ca89 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"760ca89\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2e97b1a\" data-id=\"2e97b1a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-46793c89 elementor-widget elementor-widget-heading\" data-id=\"46793c89\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">O\u00f9 orienter<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6e073b3d elementor-widget elementor-widget-text-editor\" data-id=\"6e073b3d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul>\n<li><a href=\"https:\/\/www.cresus-iledefrance.org\/\" target=\"_blank\" rel=\"noopener\">Association le CRESUS<\/a><\/li>\n<li>la Banque de France&nbsp; : demande <a href=\"https:\/\/pierre-noblet-dev.tech\/public\/?p=1516\" target=\"_blank\" rel=\"noopener\">de rendez-vous en ligne<\/a> possible avec France Connect (cf. lexique)<\/li>\n<li><a href=\"https:\/\/www.banque-france.fr\/la-banque-de-france\/nous-connaitre\/les-implantations\/ile-de-france\" target=\"_blank\" rel=\"noopener\">banque-france &#8211; les-antennes<\/a><\/li>\n<li>\n<p><a href=\"https:\/\/solidarites-sante.gouv.fr\/affaires-sociales\/lutte-contre-l-exclusion\/PCB#Qu-est-ce-qu-un-Point-conseil-budget\" target=\"_blank\" rel=\"noopener\">Point Conseil Budget (PCB)<\/a><\/p>\n<\/li>\n<li>\n<p>CAF : locataire, si votre allocation logement a \u00e9t\u00e9 suspendue, le versement doit \u00eatre \u00e9tabli par la CAF&nbsp; au profit du bailleur. <br>Vous devez justifier d\u2019un titre d\u2019occupation (bail en cours ou protocole de coh\u00e9sion sociale).<\/p>\n<\/li>\n<li>Orienter vers une autre proc\u00e9dure pour les statuts d&rsquo; agriculteur, artisan, commer\u00e7ant, profession lib\u00e9rale, auto-entrepreneur<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-50834c11 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"50834c11\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-425be9e1\" data-id=\"425be9e1\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2cb49ef6 elementor-widget elementor-widget-menu-anchor\" data-id=\"2cb49ef6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"Aller_plus_loin_rsa\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1ccf093a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1ccf093a\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-68c8dc85\" data-id=\"68c8dc85\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4278dd9c elementor-widget elementor-widget-heading\" data-id=\"4278dd9c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Pour Aller plus loin<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7ff51d48 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7ff51d48\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2d9bc0cf\" data-id=\"2d9bc0cf\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7e7d7474 elementor-widget elementor-widget-spacer\" data-id=\"7e7d7474\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1e398841 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1e398841\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-37f9f849\" data-id=\"37f9f849\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4febedd5 elementor-widget elementor-widget-heading\" data-id=\"4febedd5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Sur Internet<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-210e5268 elementor-widget elementor-widget-text-editor\" data-id=\"210e5268\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li><strong>Guide surendettement :<\/strong><br \/><a href=\"https:\/\/particuliers.banque-france.fr\/surendettement\/comprendre-le-surendettement\/le-surendettement-en-bref\" target=\"_blank\" rel=\"noopener\">https:\/\/particuliers.banque-france.fr\/surendettement\/comprendre-le-surendettement\/le-surendettement-en-bref<\/a><\/li><li><a href=\"https:\/\/particuliers.banque-france.fr\/sites\/default\/files\/media\/2020\/05\/12\/1947_0.pdf\" target=\"_blank\" rel=\"noopener\">Formulaire surendettement<\/a><\/li><li><a href=\"https:\/\/www.inc-conso.fr\/content\/la-suite-de-difficultes-financieres-vous-deposez-un-dossier-aupres-de-la-commission-de\" target=\"_blank\" rel=\"noopener\">Mod\u00e8le de Lettre<\/a><\/li><li><a href=\"https:\/\/www.mesquestionsdargent.fr\/intervenants-sociaux-et-pcb\/surendettement\" target=\"_blank\" rel=\"noopener\">Mes questions d&rsquo;argent<\/a><\/li><li><strong><strong>Service public :<br \/><\/strong><\/strong><br \/><p data-test=\"titre-page\"><strong>D\u00e9poser un dossier de surendettement :<\/strong><br \/><a href=\"https:\/\/www.service-public.fr\/particuliers\/vosdroits\/F134\" target=\"_blank\" rel=\"noopener\">https:\/\/www.service-public.fr\/particuliers\/vosdroits\/F134<\/a><br \/><strong>Fichier des incidents de remboursement des cr\u00e9dits aux particuliers :<\/strong><br \/><a href=\"https:\/\/www.service-public.fr\/particuliers\/vosdroits\/F17608\" target=\"_blank\" rel=\"noopener\">https:\/\/www.service-public.fr\/particuliers\/vosdroits\/F17608<\/a><\/p><p><strong>Qui peut saisir la commission ?<\/strong> <a href=\"https:\/\/www.service-public.fr\/particuliers\/vosdroits\/F134\" target=\"_blank\" rel=\"noopener\">https:\/\/www.service-public.fr\/particuliers\/vosdroits\/F134<\/a><\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-796f91b0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"796f91b0\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-167b1854\" data-id=\"167b1854\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-20c42284 elementor-widget elementor-widget-spacer\" data-id=\"20c42284\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Public concern\u00e9 Principales Conditions Proc\u00e9dures A noter O\u00f9 orienter Aller plus loin D\u00e9finition La situation de surendettement est caract\u00e9ris\u00e9e par l\u2019impossibilit\u00e9 manifeste de faire face \u00e0 l\u2019ensemble de ses dettes non professionnelles \u00e9chues (impay\u00e9es), exigibles (\u00e0 payer imm\u00e9diatement) et \u00e0 \u00e9choir (dont on sait d\u00e9j\u00e0 qu&rsquo;on ne pourra pas les payer). Dettes les plus courantes <a class=\"read-more\" href=\"https:\/\/pierre-noblet-dev.tech\/public\/surendettement\/\">Read More<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[23],"tags":[],"class_list":["post-732","post","type-post","status-publish","format-standard","hentry","category-relations-avec-banques-et-creanciers"],"_links":{"self":[{"href":"https:\/\/pierre-noblet-dev.tech\/public\/wp-json\/wp\/v2\/posts\/732","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pierre-noblet-dev.tech\/public\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pierre-noblet-dev.tech\/public\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pierre-noblet-dev.tech\/public\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/pierre-noblet-dev.tech\/public\/wp-json\/wp\/v2\/comments?post=732"}],"version-history":[{"count":128,"href":"https:\/\/pierre-noblet-dev.tech\/public\/wp-json\/wp\/v2\/posts\/732\/revisions"}],"predecessor-version":[{"id":3920,"href":"https:\/\/pierre-noblet-dev.tech\/public\/wp-json\/wp\/v2\/posts\/732\/revisions\/3920"}],"wp:attachment":[{"href":"https:\/\/pierre-noblet-dev.tech\/public\/wp-json\/wp\/v2\/media?parent=732"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pierre-noblet-dev.tech\/public\/wp-json\/wp\/v2\/categories?post=732"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pierre-noblet-dev.tech\/public\/wp-json\/wp\/v2\/tags?post=732"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}