{ "article": { "LEGIARTI000033461267": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L731-3", "ETAT": "VIGUEUR", "TYPE": "AUTONOME", "DATE_FIN": "2999-01-01", "DATE_DEBUT": "2018-01-01" } }, "META_COMMUN": { "ID": "LEGIARTI000033461267", "URL": "article/LEGI/ARTI/00/00/33/46/12/LEGIARTI000033461267.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "NOTA": { "CONTENU": "

Conformément à l'article 58 II de la loi n° 2016-1547 du 18 novembre 2016, les présentes dispositions entrent en vigueur le 1er janvier 2018. Elles s'appliquent aux procédures de surendettement en cours à cette date, sauf lorsque le juge d'instance a été saisi par la commission de surendettement aux fins d'homologation. Dans ce cas, l'affaire est poursuivie et jugée conformément au livre VII du code de la consommation, dans sa rédaction antérieure à la présente loi.

La part des ressources nécessaire aux dépenses courantes du ménage est fixée par la commission et mentionnée dans le plan conventionnel de redressement prévu à l'article L. 732-1 ou dans les mesures prévues aux articles L. 733-1 ou L. 733-4.

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\n
Les dettes fiscales font l'objet d'un rééchelonnement dans les mêmes conditions que les autres dettes.

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\n
En cas d'échec de sa mission de conciliation, la commission peut, à la demande du débiteur et après avoir mis les parties en mesure de fournir leurs observations, imposer tout ou partie des mesures suivantes :
1° Rééchelonner le paiement des dettes de toute nature, y compris, le cas échéant, en différant le paiement d'une partie d'entre elles, sans que le délai de report ou de rééchelonnement puisse excéder sept ans ou la moitié de la durée de remboursement restant à courir des emprunts en cours ; en cas de déchéance du terme, le délai de report ou de rééchelonnement peut atteindre la moitié de la durée qui restait à courir avant la déchéance ;
2° Imputer les paiements, d'abord sur le capital ;
3° Prescrire que les sommes correspondant aux échéances reportées ou rééchelonnées porteront intérêt à un taux réduit qui peut être inférieur au taux de l'intérêt légal sur décision spéciale et motivée et si la situation du débiteur l'exige. Quelle que soit la durée du plan de redressement, le taux ne peut être supérieur au taux légal.
4° Suspendre l'exigibilité des créances autres qu'alimentaires pour une durée qui ne peut excéder deux ans. Sauf décision contraire de la commission, la suspension de la créance entraîne la suspension du paiement des intérêts dus à ce titre. Durant cette période, seules les sommes dues au titre du capital peuvent être productives d'intérêts dont le taux n'excède pas le taux de l'intérêt légal.

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\n
Si l'examen de la demande de traitement de la situation de surendettement fait apparaître que le débiteur se trouve dans la situation définie au premier alinéa de l'article L. 724-1, la commission s'efforce de concilier les parties en vue de l'élaboration d'un plan conventionnel de redressement approuvé par le débiteur et ses principaux créanciers.

" } }, "LEGIARTI000033423880": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "58", "ETAT": "VIGUEUR", "TYPE": "PARTIELLEMENT_MODIF", "DATE_FIN": "2999-01-01", "DATE_DEBUT": "2016-11-20" } }, "META_COMMUN": { "ID": "LEGIARTI000033423880", "URL": "article/LEGI/ARTI/00/00/33/42/38/LEGIARTI000033423880.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "@id": "LEGISCTA000033461413", "#text": "Code de la consommation - Chapitre III : Dispositions communes au rétabli... 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\n
I. - A modifié les dispositions suivantes :

- Code de la consommation
Art. L743-1, Sct. Chapitre III : Dispositions communes au rétablissement personnel sans liquidation judiciaire et à la procédure de rétablissement personnel avec liquidation judiciaire, Art. L743-2, Art. L752-2, Art. L752-3, Art. L761-1, Art. L761-2\n
\n

A modifié les dispositions suivantes :

- Code de la consommation
\nArt. L711-5, Art. L711-8, Art. L712-2, Art. L722-3, Art. L722-14, Art. L722-9, Art. L722-16, Art. L724-3, Art. L724-2, Art. L724-1, Art. L724-4, Art. L731-1, Art. L731-3, Art. L732-4, Sct. Chapitre III : Mesures imposées, Art. L733-2, Art. L733-4, Art. L733-6, Art. L733-7, Art. L733-8, Art. L733-9, Sct. Section 2 : Contestation des mesures imposées, Art. L733-10, Art. L733-11, Art. L733-13, Art. L733-12, Art. L733-14, Sct. Section 3 : Dispositions communes aux mesures imposées ou recommandées et à leur contestation, Art. L733-18, Art. L733-17, Art. L733-16, Art. L733-15, Sct. Chapitre Ier : Rétablissement personnel sans liquidation judiciaire, Sct. Section 1 : Décision de la commission imposant un rétablissement personnel sans liquidation judiciaire, Art. L741-1, Art. L741-2, Art. L741-3, Sct. Section 2 : Contestation de la décision de la commission imposant un rétablissement personnel sans liquidation judiciaire, Art. L741-4, Art. L741-5, Art. L741-6, Sct. Section 3 : Rétablissement personnel sans liquidation judiciaire prononcé par le juge saisi d'un recours à l'encontre des mesures imposées, Art. L741-7, Art. L741-8, Art. L741-9, Art. L741-10, Art. L742-1, Art. L742-24, Art. L742-2, Art. L743-1\n
\n

\n
II.-Le présent article entre en vigueur le 1er janvier 2018. Il s'applique aux procédures de surendettement en cours à cette date, sauf lorsque le juge d'instance a été saisi par la commission de surendettement aux fins d'homologation. Dans ce cas, l'affaire est poursuivie et jugée conformément au livre VII du code de la consommation, dans sa rédaction antérieure à la présente loi.
" } }, "LEGIARTI000033461247": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L733-4", "ETAT": "VIGUEUR", "TYPE": "AUTONOME", "DATE_FIN": "2999-01-01", "DATE_DEBUT": "2018-01-01" } }, "META_COMMUN": { "ID": "LEGIARTI000033461247", "URL": "article/LEGI/ARTI/00/00/33/46/12/LEGIARTI000033461247.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "#text": "Ordonnance n°2016-301 du 14 mars 2016 - art.", "@sens": "source", "@cidtexte": "JORFTEXT000032209352", "@typelien": "CODIFICATION" }, { "@id": "LEGIARTI000041632023", "@num": "10", "#text": "Arrêté du 26 octobre 2010 - art. 10 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000022972114", "@nortexte": "ECET1024001A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2010-10-26" }, { "@id": "LEGIARTI000041632009", "@num": "11", "#text": "Arrêté du 26 octobre 2010 - art. 11 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000022972114", "@nortexte": "ECET1024001A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2010-10-26" }, { "@id": "LEGIARTI000041631978", "@num": "7", "#text": "Arrêté du 26 octobre 2010 - art. 7 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000022972114", "@nortexte": "ECET1024001A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2010-10-26" }, { "@id": "LEGIARTI000033423880", "@num": "58", "#text": "LOI n°2016-1547 du 18 novembre 2016 - art. 58 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000033418805", "@nortexte": "JUSX1515639L", "@numtexte": "2016-1547", "@typelien": "MODIFIE", "@naturetexte": "LOI", "@datesignatexte": "2016-11-18" }, { "@id": "LEGIARTI000032236606", "@num": "L331-7", "#text": "Code de la consommation - art. L331-7, alinéa 8, 3ème phrase (Ab)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000033461352", "@num": "L711-8", "#text": "Code de la consommation - art. L711-8 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000037650242", "@num": "L714-1", "#text": "Code de la consommation - art. L714-1 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000033461307", "@num": "L722-14", "#text": "Code de la consommation - art. L722-14 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000037670142", "@num": "L722-16", "#text": "Code de la consommation - art. L722-16 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000033461315", "@num": "L722-3", "#text": "Code de la consommation - art. L722-3 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000033461343", "@num": "L722-9", "#text": "Code de la consommation - art. L722-9 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000039119611", "@num": "L724-1", "#text": "Code de la consommation - art. 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L733-1 (V)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000039119599", "@num": "L733-10", "#text": "Code de la consommation - art. L733-10 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000033461202", "@num": "L733-11", "#text": "Code de la consommation - art. L733-11 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000033461192", "@num": "L733-13", "#text": "Code de la consommation - art. L733-13 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000033461162", "@num": "L733-15", "#text": "Code de la consommation - art. L733-15 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000033461153", "@num": "L733-16", "#text": "Code de la consommation - art. L733-16 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000033461232", "@num": "L733-7", "#text": "Code de la consommation - art. L733-7 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000033461220", "@num": "L733-9", "#text": "Code de la consommation - art. L733-9 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000039119534", "@num": "L742-1", "#text": "Code de la consommation - art. L742-1 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000033461061", "@num": "L742-24", "#text": "Code de la consommation - art. L742-24 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000039119541", "@num": "L752-3", "#text": "Code de la consommation - art. L752-3 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000033461386", "@num": "L761-1", "#text": "Code de la consommation - art. L761-1 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000039119582", "@num": "L761-2", "#text": "Code de la consommation - art. L761-2 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000034130366", "@num": "L771-11", "#text": "Code de la consommation - art. L771-11 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000045178745", "@num": "L771-2", "#text": "Code de la consommation - art. L771-2 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000034130350", "@num": "L771-9", "#text": "Code de la consommation - art. L771-9 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000034671697", "@num": "R722-5", "#text": "Code de la consommation - art. R722-5 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000034671880", "@num": "R724-3", "#text": "Code de la consommation - art. R724-3 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000034671856", "@num": "R731-1", "#text": "Code de la consommation - art. R731-1 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000034671715", "@num": "R733-1", "#text": "Code de la consommation - art. R733-1 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000038482506", "@num": "R733-14", "#text": "Code de la consommation - art. R733-14 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000038482463", "@num": "R733-6", "#text": "Code de la consommation - art. R733-6 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000034671663", "@num": "R733-7", "#text": "Code de la consommation - art. R733-7 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000034671730", "@num": "R733-8", "#text": "Code de la consommation - art. R733-8 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000039347923", "@num": "R733-9", "#text": "Code de la consommation - art. R733-9 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000039347912", "@num": "R742-14", "#text": "Code de la consommation - art. R742-14 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000032224453", "@fin": "2018-01-01", "#text": "Section 1 : Contenu et adoption des mesures imposées ou recommandées", "@debut": "2016-07-01" }, { "@id": "LEGISCTA000033656495", "@fin": "2999-01-01", "#text": "Section 1 : Contenu et adoption des mesures imposées", "@debut": "2018-01-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032224455", "@fin": "2018-01-01", "#text": "Chapitre III : Mesures imposées ou recommandées", "@debut": "2016-07-01" }, { "@id": "LEGISCTA000033461256", "@fin": "2999-01-01", "#text": "Chapitre III : Mesures imposées", "@debut": "2018-01-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032224476", "@fin": "2999-01-01", "#text": "Titre III : MESURES DE TRAITEMENT DES SITUATIONS DE SURENDETTEMENT", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032224616", "@fin": "2999-01-01", "#text": "Livre VII : TRAITEMENT DES SITUATIONS DE SURENDETTEMENT", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032227360", "@fin": "2999-01-01", "#text": "Partie législative nouvelle", "@debut": "2016-07-01" } ] }, "@cid": "LEGITEXT000006069565", "@nature": "CODE", "TITRE_TXT": [ { "@fin": "2999-01-01", "#text": "Code de la consommation", "@debut": "1993-07-27", "@id_txt": "LEGITEXT000006069565", "@c_titre_court": "Code de la consommation" } ], "@date_publi": "2999-01-01", "@date_signature": "2999-01-01" } }, "VERSIONS": { "VERSION": [ { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000032224445", "@fin": "2018-01-01", "@num": "L733-4", "@etat": "MODIFIE", "@debut": "2016-07-01", "@origine": "LEGI" } }, { "@etat": "VIGUEUR", "LIEN_ART": { "@id": "LEGIARTI000033461247", "@fin": "2999-01-01", "@num": "L733-4", "@etat": "VIGUEUR", "@debut": "2018-01-01", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

La commission peut également, à la demande du débiteur et après avoir mis les parties en mesure de présenter leurs observations, imposer par décision spéciale et motivée les mesures suivantes :

1° En cas de vente forcée du logement principal du débiteur, grevé d'une inscription bénéficiant à un établissement de crédit ou à une société de financement ayant fourni les sommes nécessaires à son acquisition, la réduction du montant de la fraction des prêts immobiliers restant due aux établissements de crédit ou aux sociétés de financement après la vente, après imputation du prix de vente sur le capital restant dû, dans des proportions telles que son paiement, assorti d'un rééchelonnement calculé conformément au 1° de l'article L. 733-1, soit compatible avec les ressources et les charges du débiteur.

La même mesure est applicable en cas de vente amiable dont le principe, destiné à éviter une saisie immobilière, et les modalités ont été arrêtés d'un commun accord entre le débiteur et l'établissement de crédit ou la société de financement.

Ces mesures peuvent être prises conjointement avec celles prévues à l'article L. 733-1 ;

2° L'effacement partiel des créances combiné avec les mesures mentionnées à l'article L. 733-1. Celles de ces créances dont le montant a été payé au lieu et place du débiteur par la caution ou le coobligé, personnes physiques, ne peuvent faire l'objet d'un effacement.

\n
" } }, "LEGIARTI000033612441": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L733-1", "ETAT": "VIGUEUR", "TYPE": "AUTONOME", "DATE_FIN": "2999-01-01", "DATE_DEBUT": "2018-01-01" } }, "META_COMMUN": { "ID": "LEGIARTI000033612441", "URL": "article/LEGI/ARTI/00/00/33/61/24/LEGIARTI000033612441.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "NOTA": { "CONTENU": "

Conformément au II de l'article 66 de la loi n° 2016-1691 du 9 décembre 2016, ces dispositions entrent en vigueur le 1er janvier 2018. Elles s'appliquent aux dossiers de surendettement déposés à compter de cette date.

" }, "LIENS": { "LIEN": [ { "#text": "Ordonnance n°2016-301 du 14 mars 2016 - art.", "@sens": "source", "@cidtexte": "JORFTEXT000032209352", "@typelien": "CODIFICATION" }, { "@id": "LEGIARTI000041632023", "@num": "10", "#text": "Arrêté du 26 octobre 2010 - art. 10 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000022972114", "@nortexte": "ECET1024001A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2010-10-26" }, { "@id": "LEGIARTI000041632009", "@num": "11", "#text": "Arrêté du 26 octobre 2010 - art. 11 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000022972114", "@nortexte": "ECET1024001A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2010-10-26" }, { "@id": "LEGIARTI000041631978", "@num": "7", "#text": "Arrêté du 26 octobre 2010 - art. 7 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000022972114", "@nortexte": "ECET1024001A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2010-10-26" }, { "@id": "LEGIARTI000033561971", "@num": "66", "#text": "LOI n°2016-1691 du 9 décembre 2016 - art. 66 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000033558528", "@nortexte": "ECFM1605542L", "@numtexte": "2016-1691", "@typelien": "MODIFIE", "@naturetexte": "LOI", "@datesignatexte": "2016-12-09" }, { "@id": "LEGIARTI000032236606", "@num": "L331-7", "#text": "Code de la consommation - art. L331-7, alinéas 1 à 5 (Ab)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000033461352", "@num": "L711-8", "#text": "Code de la consommation - art. L711-8 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000037650242", "@num": "L714-1", "#text": "Code de la consommation - art. L714-1 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000034073066", "@num": "L721-5", "#text": "Code de la consommation - art. L721-5 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000033461307", "@num": "L722-14", "#text": "Code de la consommation - art. 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En l'absence de mission de conciliation ou en cas d'échec de celle-ci, la commission peut, à la demande du débiteur et après avoir mis les parties en mesure de fournir leurs observations, imposer tout ou partie des mesures suivantes :

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1° Rééchelonner le paiement des dettes de toute nature, y compris, le cas échéant, en différant le paiement d'une partie d'entre elles, sans que le délai de report ou de rééchelonnement puisse excéder sept ans ou la moitié de la durée de remboursement restant à courir des emprunts en cours ; en cas de déchéance du terme, le délai de report ou de rééchelonnement peut atteindre la moitié de la durée qui restait à courir avant la déchéance ;

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2° Imputer les paiements, d'abord sur le capital ;

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3° Prescrire que les sommes correspondant aux échéances reportées ou rééchelonnées porteront intérêt à un taux réduit qui peut être inférieur au taux de l'intérêt légal sur décision spéciale et motivée et si la situation du débiteur l'exige. Quelle que soit la durée du plan de redressement, le taux ne peut être supérieur au taux légal.

\n
4° Suspendre l'exigibilité des créances autres qu'alimentaires pour une durée qui ne peut excéder deux ans. Sauf décision contraire de la commission, la suspension de la créance entraîne la suspension du paiement des intérêts dus à ce titre. Durant cette période, seules les sommes dues au titre du capital peuvent être productives d'intérêts dont le taux n'excède pas le taux de l'intérêt légal.

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Si l'examen de la demande de traitement de la situation de surendettement fait apparaître que le débiteur se trouve dans la situation définie au premier alinéa de l'article L. 724-1 et que le débiteur est propriétaire d'un bien immobilier, la commission s'efforce de concilier les parties en vue de l'élaboration d'un plan conventionnel de redressement approuvé par le débiteur et ses principaux créanciers.

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Article L731-3 AUTONOME VIGUEUR, en vigueur depuis le 01/01/2018 (Code de la consommation)