In France, each year, more than 200,000 over-indebtedness files are filed. Consumer credit is logicall found in most over-indebtedness files. In this case, any new credit request will be refused. Let’s take a look at what steps to take to finally get out with your debts.

Are you in debt distress?

Are you in debt distress?

Over-indebtedness is characterized by the fact that you experience “over time” difficulties in making ends meet due to the repayment of large debts such as loans.

What is over-indebtedness?

The causes of over-indebtedness can be various:

  • your monthly loan payments are too large
  • significant loss of income

No need to fill out a new loan request in the event of over-indebtedness: it will necessarily expose you to refused credit.

Can you submit a file?

Can you submit a file?

To be able to file an over-indebtedness file, you must meet the following conditions:

  1. to be an individual
  2. be domiciled in France or be of French nationality residing abroad but your debts are contracted with companies established in France
  3. despite your efforts, no longer being able to pay your bills and / or repay your debts

The different steps to file an over-indebtedness file

The different steps to file an over-indebtedness file

If you meet the criteria seen in the previous step, you can then proceed to the step of filing an over-indebtedness file.

The filing of an over-indebtedness file is free and will be studied by an over-indebtedness commission governed by the Bankate. To obtain an over-indebtedness file, go to

The role of the Over-indebtedness Commission is to advise you to resolve your problem of over-indebtedness and to decide if necessary on the validation of your over-indebtedness file. If the file is accepted, the Commission will try to find solutions to restore a healthy budgetary situation.

Step 1 : fill in an over-indebtedness file

A blank file is available on the Bankate website or in each departmental annex to the Bankate.

Step 2 : Submit your over-indebtedness file

Once your file is completely filled, you must deposit it directly at the departmental annex of the Bankate or send it by registered mail with acknowledgment of receipt to the same address.

Note that from the filing of the file and until the resolution of your over-indebtedness problem, you will be entered in the FICP file (National File of Credit Repayment Incidents for Individuals). This registration, which can be consulted by financial organizations, will limit your access to consumer credit. When your over-indebtedness file is filed, you must continue to repay your personal credit and other creditors’ installments.

Step 3 : the debt commission will rule on your file

  • If it considers that you are in a situation of over-indebtedness, the commission will try to find solutions to resolve your delicate financial situation and will therefore propose an adapted action plan to you. Note that the commission, depending on the complexity of your file, may take several months to decide on your file.
  • If it considers that you are not in a situation of over-indebtedness, no action will be taken.

Step 4 : If your over-indebtedness file has not been validated

In this case, you must be able to solve your financial problems and as such, the grouping of your credits (redemption of credits) may be the solution because it will allow you to reduce your monthly payments and thus decrease your debt ratio.

Capitaine Crédit will help you find the best loan repurchase thanks to its consumer credit comparator.

Note that during this stage, you are not exempt from paying your invoices and debts, you must continue to honor them as far as possible.

Step 5 : if your file has been validated, implementation of an action plan

The action plan will depend on your file. In any case, the Commission will pay your debts or grant you an additional loan, its role is to find a solution adapted to the different parties: you and your creditors.

If our advice did not provide answers to your questions and you do not know how to do it, you can leave us your questions and explain your problem in the contact us section. Before filing an over-indebtedness file, people often wait too long, so do not hesitate to leave us a message.

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