{"id":19827,"date":"2023-09-15T09:53:23","date_gmt":"2023-09-15T07:53:23","guid":{"rendered":"https:\/\/csp.ch\/vaud\/?p=19827"},"modified":"2023-09-25T17:33:15","modified_gmt":"2023-09-25T15:33:15","slug":"annuler-des-dettes-cout-gagnant-pour-la-societe","status":"publish","type":"post","link":"https:\/\/csp.ch\/vaud\/annuler-des-dettes-cout-gagnant-pour-la-societe\/","title":{"rendered":"\u00ab\u00a0Annuler des dettes, co\u00fbt gagnant pour la soci\u00e9t\u00e9\u00a0\u00bb"},"content":{"rendered":"<p><strong>Vous trouvez ci-dessous le d\u00e9but de l&rsquo;article r\u00e9dig\u00e9 par le secr\u00e9taire g\u00e9n\u00e9ral de Dettes Conseils Suiss e (DCS), la fa\u00eeti\u00e8re regroupant les services de conseil en mati\u00e8re de dettes, reconnus d\u2019utilit\u00e9 publique en Suisse. Les CSP font partie de cette fa\u00eeti\u00e8re depuis sa cr\u00e9ation.<\/strong><\/p>\n<blockquote><p><strong>\u00ab\u00a0Un projet f\u00e9d\u00e9ral a le potentiel de mettre fin a\u0300 la situation inextricable dans laquelle se trouvent de nombreuses personnes surendette\u0301es. Effacer des dettes restantes engendrerait un impact positif pour l\u2019ensemble de la collectivit\u00e9.\u00a0\u00bb<\/strong><\/p><\/blockquote>\n<p><em>Par\u00a0<strong>Pascal Pfister<\/strong>, secr\u00e9taire g\u00e9n\u00e9ral, Dettes Conseils Suisse &#8211; Article paru sur reiso.org\u00a0<\/em><\/p>\n<p>\u00ab\u00a0Monde politique, sp\u00e9cialistes de la question de l\u2019endettement, administration fe\u0301de\u0301rale, chercheuses et chercheurs, toutes et tous sont d\u2019accord : la Suisse devrait, elle aussi, donner aux personnes surendette\u0301es ayant perdu tout espoir la possibilite\u0301 d\u2019acce\u0301der a\u0300 une proce\u0301dure leur permettant de sortir d\u2019une situation sans issue.<\/p>\n<p>La Suisse est en effet l\u2019un des derniers E\u0301tats europe\u0301ens<a id=\"_ftnref1\" href=\"https:\/\/www.reiso.org\/articles\/themes\/precarite\/11222-annuler-des-dettes-cout-gagnant-pour-la-societe#_ftn1\"><sup>[1]<\/sup><\/a>\u00a0dont le droit ne pre\u0301voit pas une telle proce\u0301dure. Or, de nombreux individus dans notre pays se retrouvent pris au pie\u0300ge du surendettement, sans aucune perspective de pouvoir a\u0300 nouveau contribuer a\u0300 la vie sociale et d\u2019y participer de manie\u0300re approprie\u0301e. Dans ce contexte, la re\u0301vision de la loi sur la poursuite pour dettes et la faillite (LP), de me\u0302me que l\u2019introduction d\u2019une nouvelle proce\u0301dure qui conduit a\u0300 l\u2019annulation des dettes restantes, s\u2019av\u00e8rent plus que jamais ne\u0301cessaires.<\/p>\n<h4>Situations proble\u0301matiques cause\u0301es par le surendettement<\/h4>\n<p>Au cours de ces dernie\u0300res anne\u0301es, le portrait des me\u0301nages endette\u0301s en Suisse n\u2019a pas beaucoup \u00e9volu\u00e9 : ceux disposant d\u2019un revenu faible ou irre\u0301gulier se trouvent expose\u0301s a\u0300 un risque de surendettement. Lorsque cette situation d\u00e9j\u00e0 pr\u00e9caire s\u2019accompagne de la survenance d\u2019un e\u0301ve\u0301nement critique dans l\u2019existence, comme une se\u0301paration, un divorce, le cho\u0302mage, une maladie ou un accident, cette situation entrai\u0302ne les individus dans la spirale du surendettement. L\u2019absence de compe\u0301tences financie\u0300res, le surmenage administratif ou cognitif, ainsi qu\u2019une planification des de\u0301penses quelque peu te\u0301me\u0301raire peuvent aussi jouer un ro\u0302le\u00a0<a id=\"_ftnref2\" href=\"https:\/\/www.reiso.org\/articles\/themes\/precarite\/11222-annuler-des-dettes-cout-gagnant-pour-la-societe#_ftn2\"><sup>[2]<\/sup><\/a>.<\/p>\n<p>Une existence ve\u0301cue sous le sceau des dettes et du minimum vital a un impact sur tous les domaines de la vie. Souvent, ces effets s\u2019influencent et se renforcent mutuellement\u00a0: tant les liens entre pauvrete\u0301 et sante\u0301 que l\u2019impact ne\u0301gatif de l\u2019endettement sur la sante\u0301 ont e\u0301te\u0301 d\u00e9montr\u00e9s empiriquement\u00a0<a id=\"_ftnref3\" href=\"https:\/\/www.reiso.org\/articles\/themes\/precarite\/11222-annuler-des-dettes-cout-gagnant-pour-la-societe#_ftn3\"><sup>[3]<\/sup><\/a>. Les personnes surendette\u0301es sont soumises a\u0300 une forte pression. Ge\u0301ne\u0301ralement, cette charge psychique, qui peut engendrer des maladies physiques et psychiques, a en plus des conse\u0301quences sur tous les membres du foyer. Il en re\u0301sulte des conflits relationnels r\u00e9guliers, lesquels me\u0300nent, dans de nombreux cas, a\u0300 des se\u0301parations ou a\u0300 des divorces.<\/p>\n<p>Par ailleurs, dans le cadre de la recherche d\u2019un logement, une inscription au registre des poursuites constitue un obstacle quasiment insurmontable. Ainsi, vivre avec le minimum vital devient synonyme de marge de man\u0153uvre limite\u0301e et d\u2019une participation moindre a\u0300 la vie sociale et culturelle. Les personnes surendette\u0301es courent donc un risque plus e\u0301leve\u0301 de de\u0301sinte\u0301gration professionnelle, familiale et sociale.\u00a0\u00bb<\/p>\n<h4>Un article de la revue digitale reiso.org<\/h4>\n<p><strong><span style=\"color: #f4960f\">&gt;&gt;<\/span> <\/strong>Lire la suite sur <a href=\"https:\/\/www.reiso.org\/articles\/themes\/precarite\/11222-annuler-des-dettes-cout-gagnant-pour-la-societe\">reiso.org<\/a><\/p>\n<hr \/>\n<p>Au CSP Vaud, le <a href=\"https:\/\/csp.ch\/vaud\/services\/questions-dargent\/\">Service social polyvalent<\/a> (\u00ab\u00a0Questions d&rsquo;argent\u00a0\u00bb) re\u00e7oit chaque ann\u00e9e des centaines de personnes en situation de surendettement. Le <a href=\"https:\/\/csp.ch\/wp-content\/uploads\/sites\/4\/2022\/12\/NOUVELLES-DECEMBRE-2022-WEB.pdf\">journal des <em>Nouvelles\u00a0<\/em>de d\u00e9cembre 2022<\/a> pr\u00e9sentait d\u00e9j\u00e0 ce projet.\u00a0 Expliquant notamment les revendications de Dettes Conseils Suisse afin que cette modification de loi atteigne r\u00e9ellement ses objectifs. Cet article a \u00e9t\u00e9 r\u00e9dig\u00e9 par notre coll\u00e8gue du CSP de Gen\u00e8ve, R\u00e9my Kammermann, juriste, et membre du comit\u00e9 de DCS.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Vous trouvez ci-dessous le d\u00e9but de l&rsquo;article r\u00e9dig\u00e9 par le secr\u00e9taire g\u00e9n\u00e9ral de Dettes Conseils Suiss e (DCS), la fa\u00eeti\u00e8re regroupant les services de conseil en mati\u00e8re de dettes, reconnus d\u2019utilit\u00e9 publique en Suisse. Les CSP font partie de cette fa\u00eeti\u00e8re depuis sa cr\u00e9ation. \u00ab\u00a0Un projet f\u00e9d\u00e9ral a le potentiel de mettre fin a\u0300 la [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":19840,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[22],"tags":[],"class_list":["post-19827","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-questions-dargent"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>&quot;Annuler des dettes, co\u00fbt gagnant pour la soci\u00e9t\u00e9&quot; - CSP Vaud<\/title>\n<meta name=\"description\" content=\"Un projet f\u00e9d\u00e9ral a le potentiel de mettre fin a\u0300 la situation inextricable dans laquelle se trouvent de nombreuses personnes surendette\u0301es.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/csp.ch\/vaud\/annuler-des-dettes-cout-gagnant-pour-la-societe\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"&quot;Annuler des dettes, co\u00fbt gagnant pour la soci\u00e9t\u00e9&quot; 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