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According to the Banque de France, the number of over-indebtedness cases has fallen by 15% over the past two years. What challenges however, it is the profile of the households: families which switch in a financial situation of the most delicate. They are sometimes helped by associations. We followed one of them to Aizenay, in Vendée.
Following a divorce, a mother from Aizenay (Vendée), found herself in a situation she would never have imagined. Mortgage, consumer credit: impossible for her to repay. “You say to yourself (…) how did I manage to get there? (…) When you’re at the bottom of the hole, to tell yourself you have to hang on and bounce back, it’s not that simple”, she testifies. Like her, in 2021, 120,000 people filed an over-indebtedness file with the Banque de France. But the process is sometimes complex. The mother of the family called on an association, Cresus Vendée, to be accompanied at each stage.
When she returns there now, it is as a volunteer to give, in turn, advice alongside a former banker. More and more of them are no longer able to pay their daily bills. “We all have fixed cost increases. It can happen to everyone”, says Jean-Pierre Aymé, president of Cresus Vendée. Volunteers first scrutinize the budget. The latter, it is now the Over-indebtedness Commission of the Banque de France which examines it. In 43% of cases, when there is no repayment capacity, the debt is erased.