By Raphaël MORENON
27 June 2025
When individuals find themselves unable to meet their financial commitments, the law provides for a range of mechanisms designed to offer them a way out and to organise the resolution of their situation. Over-indebtedness is not an inevitability, but a regulated legal situation, the treatment of which aims both to protect the debtor and to respect the rights of creditors. Understanding the workings of this procedure is essential for anyone facing serious economic difficulties. This approach is part of a wider framework designed to provide a framework for procedural adjustments to protect debtors, offering graduated solutions depending on the seriousness of the situation. Individual over-indebtedness: definition and scope The over-indebtedness procedure is designed for individuals acting in good faith who are no longer able to honour their debts. Access to the procedure and the terms and conditions are strictly defined...
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