{"id":21848,"date":"2025-11-26T17:56:13","date_gmt":"2025-11-26T17:56:13","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/endettement-et-reduction-du-stress\/faillite\/proposition-de-consommateur\/incidence-dune-proposition-de-consommateur-sur-la-cote-de-solvabilite\/"},"modified":"2025-11-26T17:56:14","modified_gmt":"2025-11-26T17:56:14","slug":"incidence-dune-proposition-de-consommateur-sur-la-cote-de-solvabilite","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/endettement-et-reduction-du-stress\/faillite\/proposition-de-consommateur\/incidence-dune-proposition-de-consommateur-sur-la-cote-de-solvabilite\/","title":{"rendered":"Incidence d&rsquo;une proposition de consommateur sur la cote de solvabilit\u00e9"},"content":{"rendered":"<div class=\"wp-block-rbc-single-article-header\">\n\t<section class=\"section-grey cover pad-t-hlf\">\n\t\t<div class=\"section-inner w-half w-mob-full centered-margin cover section-grey pad-tb-0\">\n\t\t\t\t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/sujets\/finances-personnelles\/\">\n\t\t\t\t\t\t\t<span>Finances personnelles<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<h1 class=\"mar-b-hlf mar-t-0 mob-pad-lr-hlf h2 has-black-color\">Incidence d&rsquo;une proposition de consommateur sur la cote de solvabilit\u00e9<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By Rebecca Lake<\/p>\t\t\t\t\t<div class=\"featured-image-wrapper pos-rel\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"930\" height=\"620\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-08-17T163722.877.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"Femme stress\u00e9e qui regarde ses factures\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-08-17T163722.877.jpg 930w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-08-17T163722.877.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-08-17T163722.877.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t<\/section>\n\t<div class=\"article mar-t-dbl\">\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner socials-section\">\n\t\t\t\t<div class=\"top-socials-bar mob-mar-b-hlf\">    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Incidence d&rsquo;une proposition de consommateur sur la cote de solvabilit\u00e9 &#038;body=Bonjour, je pensais que cet article de RBC Mes finances d\u2019abord pourrait vous int\u00e9resser: https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/endettement-et-reduction-du-stress\/faillite\/proposition-de-consommateur\/incidence-dune-proposition-de-consommateur-sur-la-cote-de-solvabilite\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Courriel        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/endettement-et-reduction-du-stress\/faillite\/proposition-de-consommateur\/incidence-dune-proposition-de-consommateur-sur-la-cote-de-solvabilite\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copier l\u2019URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  <\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner w-half w-mob-full centered-margin pad-tb-0 mob-mar-t-hlf mob-mar-b\">\n\t\t\t\t<p class=\"cover-pub-line text-xs mar-b-hlf\">Published 26 novembre 2025 \u2022 4 min de lecture<\/p>\t\t\t<\/div>\n\t\t<\/section>\n\t<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner w-half w-mob-full\" style=\"border-radius:0x\">\n<p>Si vous perdez le contr\u00f4le de vos dettes, sachez que la proposition de consommateur pourrait \u00eatre une solution appropri\u00e9e. Il s\u2019agit d\u2019une entente qui consiste \u00e0 n\u00e9gocier un remboursement partiel de vos dettes pour retrouver la sant\u00e9 financi\u00e8re.<\/p>\n\n\n\n<p>Toutefois, les propositions de consommateur peuvent avoir une incidence sur votre cote de solvabilit\u00e9, bien qu\u2019elle soit moins importante que celle d\u2019une faillite. Si vous songez \u00e0 cette option pour all\u00e9ger vos dettes, vous devez comprendre les r\u00e9percussions possibles sur votre cote de solvabilit\u00e9.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Fonctionnement d&rsquo;une proposition de consommateur<b><\/b><\/h2>\n\n\n\n<p>Une proposition de consommateur est une entente juridique en vertu de laquelle vous convenez de rembourser un montant r\u00e9duit pour effacer vos dettes aupr\u00e8s des cr\u00e9anciers. Vous r\u00e9digerez les modalit\u00e9s de la proposition avec l\u2019aide d\u2019un syndic autoris\u00e9 en insolvabilit\u00e9 (SAI). Ce dernier n\u00e9gociera ensuite avec vos cr\u00e9anciers en votre nom.<\/p>\n\n\n\n<p>Si ceux-ci acceptent la proposition, vous paierez le montant convenu chaque mois. Il peut s\u2019\u00e9couler jusqu\u2019\u00e0 60\u00a0mois avant qu\u2019une proposition de consommateur soit finalis\u00e9e. Une fois le processus termin\u00e9, vous aurez fini de rembourser vos dettes.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Propositions de consommateur et dossiers de cr\u00e9dit<b><\/b><\/h2>\n\n\n\n<p>Votre rapport de solvabilit\u00e9 regroupe des renseignements sur vos dettes, dont le montant, le type de dette dont il s\u2019agit et votre historique des paiements. Equifax et TransUnion sont les deux principales agences responsables de la cr\u00e9ation des rapports de solvabilit\u00e9 au Canada.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-affichage-de-la-proposition-de-consommateur-dans-votre-rapport-de-solvabilite\">Affichage de la proposition de consommateur dans votre rapport de solvabilit\u00e9<\/h3>\n\n\n\n<p>Si vous faites une proposition de consommateur, elle appara\u00eetra probablement dans votre rapport de solvabilit\u00e9. Plus pr\u00e9cis\u00e9ment, toute personne autoris\u00e9e \u00e0 consulter votre rapport de solvabilit\u00e9 pourra voir\u00a0:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc mar-l mob-mar-l\">\n<li class=\"wp-block-rbc-list-item\">\n<p>La date du d\u00e9p\u00f4t de la proposition<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>La date de fin de la proposition de consommateur<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Les dettes incluses dans la proposition<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>Une fois qu\u2019une proposition de consommateur figure dans votre rapport de solvabilit\u00e9, elle peut y rester jusqu\u2019\u00e0 trois ans apr\u00e8s le dernier paiement ou jusqu\u2019\u00e0 six ans apr\u00e8s la signature de la proposition, selon la premi\u00e8re de ces \u00e9ventualit\u00e9s.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Incidence d&rsquo;une proposition de consommateur sur votre cote de solvabilit\u00e9<b><\/b><\/h2>\n\n\n\n<p>Les renseignements contenus dans votre rapport de solvabilit\u00e9 servent \u00e0 \u00e9tablir votre cote de solvabilit\u00e9. L\u2019utilisation responsable du cr\u00e9dit a une incidence positive sur votre cote, alors qu\u2019une mauvaise gestion de vos dettes aura l\u2019effet inverse.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-comprendre-les-cotes-de-solvabilite-r1-r9\">Comprendre les cotes de solvabilit\u00e9 (R1\u00a0\u2013 R9)<\/h3>\n\n\n\n<p>Les dettes incluses dans une proposition de consommateur sont cod\u00e9es\u00a0R7 sur un rapport de solvabilit\u00e9, ce qui r\u00e9v\u00e8le que vous avez conclu une entente avec vos cr\u00e9anciers pour les r\u00e9gler. Aux fins de comparaison\u00a0:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc mar-l mob-mar-l\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>R1<\/strong> est consid\u00e9r\u00e9 comme un cr\u00e9dit parfait (paiements effectu\u00e9s comme convenu)<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>R9<\/strong> repr\u00e9sente une faillite\u00a0\u2013 la cote la plus basse possible<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-acces-au-credit-dans-le-cas-d-une-proposition-de-consommateur\">Acc\u00e8s au cr\u00e9dit dans le cas d\u2019une proposition de consommateur<\/h3>\n\n\n\n<p>Pouvez-vous obtenir de nouveaux pr\u00eats ou de nouvelles cartes de cr\u00e9dit quand une proposition de consommateur figure dans votre rapport de solvabilit\u00e9\u00a0? C\u2019est possible, mais vos options sont limit\u00e9es. Les pr\u00eateurs pourraient consid\u00e9rer que vous pr\u00e9sentez un risque \u00e9lev\u00e9. Si votre demande de pr\u00eat ou de marge de cr\u00e9dit est approuv\u00e9e, vous pourriez \u00eatre assujetti \u00e0 un taux d\u2019int\u00e9r\u00eat major\u00e9 ou devoir payer des frais plus \u00e9lev\u00e9s.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">R\u00e9tablissement de votre cr\u00e9dit apr\u00e8s une proposition de consommateur<b><\/b><\/h2>\n\n\n\n<p>Une proposition de consommateur peut nuire \u00e0 votre cote de solvabilit\u00e9, mais les dommages ne seront probablement pas permanents. Vous pouvez r\u00e9tablir votre cote en adoptant de saines habitudes financi\u00e8res, notamment\u00a0:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc mar-l mob-mar-l\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Payer vos factures \u00e0 temps<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Respecter un budget<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>Quand votre cote de solvabilit\u00e9 commencera \u00e0 s\u2019am\u00e9liorer, vous pourrez songer \u00e0 demander une carte de cr\u00e9dit ou un petit pr\u00eat personnel garanti pour r\u00e9tablir votre historique des paiements.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-ressources-supplementaires\">Ressources suppl\u00e9mentaires<\/h2>\n\n\n\n<p>Vous aimeriez avoir d&rsquo;autres conseils pour r\u00e9tablir votre cote de solvabilit\u00e9 apr\u00e8s une proposition de consommateur ou une faillite\u00a0? Lisez <a href=\"https:\/\/decouverte.rbcbanqueroyale.com\/6-facons-de-retablir-votre-cote-de-solvabilite\/\" target=\"_blank\" rel=\"noopener\"><i>6 fa\u00e7ons de r\u00e9tablir votre cote de solvabilit\u00e9<\/i><\/a><i>.<\/i><\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse942faa40\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse942faa40\" data-dig-id=\"LP-32776-942faa40\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Un mot de nos avocats\"><span>Un mot de nos avocats<\/span><span>Un mot de nos avocats<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse942faa40\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>Le pr\u00e9sent article vise \u00e0 offrir des renseignements g\u00e9n\u00e9raux seulement et n\u2019a pas pour objet de fournir des conseils juridiques ou financiers, ni d\u2019autres conseils professionnels. Veuillez consulter un conseiller professionnel en ce qui concerne votre situation particuli\u00e8re. Les renseignements pr\u00e9sent\u00e9s sont r\u00e9put\u00e9s \u00eatre factuels et \u00e0 jour, mais nous ne garantissons pas leur exactitude et ils ne doivent pas \u00eatre consid\u00e9r\u00e9s comme une analyse exhaustive des sujets abord\u00e9s. Les opinions exprim\u00e9es refl\u00e8tent le jugement des auteurs \u00e0 la date de publication et peuvent changer. La Banque Royale du Canada et ses entit\u00e9s ne font pas la promotion, ni explicitement ni implicitement, des conseils, des avis, des renseignements, des produits ou des services de tiers.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-0a765464-a2dc-4120-acd8-6162f06eeb27\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p class=\"has-text-align-center h5 mar-b\"><strong>Partager cet article<\/strong><\/p>\n\n\n\n\t\t<div class=\"socials-block\">\n\t\t\t    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Incidence d&rsquo;une proposition de consommateur sur la cote de solvabilit\u00e9 &#038;body=Bonjour, je pensais que cet article de RBC Mes finances d\u2019abord pourrait vous int\u00e9resser: https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/endettement-et-reduction-du-stress\/faillite\/proposition-de-consommateur\/incidence-dune-proposition-de-consommateur-sur-la-cote-de-solvabilite\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Courriel        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/endettement-et-reduction-du-stress\/faillite\/proposition-de-consommateur\/incidence-dune-proposition-de-consommateur-sur-la-cote-de-solvabilite\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copier l\u2019URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  \t\t<\/div>\n\n\t\t\n\n\t\n\t<div class=\"wp-block-tk-spacer id-e54ca9a6-d9af-4931-9800-4722186bf5e9\" aria-hidden=\"true\"><\/div>\n\t\n\n\n\t\t\t<div class=\"wp-block-rbc-single-post-topics related-topics-links\">\n\t\t\t\t<p class=\"h5 mar-r-hlf\">Topics:<\/p>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/sujets\/finances-personnelles\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Finances personnelles<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel mob-pad-t-dbl\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading mar-b mob-mar-b-dbl mar-t-0\" id=\"h-a-lire-ensuite\">\u00c0 lire ensuite<\/h2>\n\n\n\t\t\t<div class=\"related-posts-type-2\">\n\t\t\t\t<div class=\"related-post-list\">\n\t\t\t\t\t<ul class=\"grid-wpr eh-wpr\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"930\" height=\"620\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-08-01T105643.093.jpg?quality=80&amp;w=930\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Un jeune homme assis \u00e0 un bureau, troubl\u00e9 par son endettement\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-08-01T105643.093.jpg 930w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-08-01T105643.093.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-08-01T105643.093.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 pad-r-0 col-md-12 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/endettement-et-reduction-du-stress\/faillite\/proposition-de-consommateur\/\">\n\t\t\t\t\t\tProposition de consommateur\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/endettement-et-reduction-du-stress\/faillite\/proposition-de-consommateur\/proposition-de-consommateur-ou-faillite\/\" class=\"card-title h4 mar-t-0\">Proposition de consommateur ou faillite ?<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"930\" height=\"620\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-07-20T105927.651.jpg?quality=80&amp;w=930\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Une femme d&#039;\u00e2ge moyen examine un \u00e9tat financier.\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-07-20T105927.651.jpg 930w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-07-20T105927.651.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-07-20T105927.651.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 pad-r-0 col-md-12 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/endettement-et-reduction-du-stress\/faillite\/proposition-de-consommateur\/\">\n\t\t\t\t\t\tProposition de consommateur\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/endettement-et-reduction-du-stress\/faillite\/proposition-de-consommateur\/eviter-la-faillite-comprendre-la-proposition-de-consommateur-au-canada\/\" class=\"card-title h4 mar-t-0\">\u00c9viter la faillite : comprendre la proposition de consommateur au Canada<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/03\/consumer-proposal-image.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Femme plus \u00e2g\u00e9e assise \u00e0 une table avec une tasse de th\u00e9 et son ordinateur portable.\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/03\/consumer-proposal-image.jpg 5557w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/03\/consumer-proposal-image.jpg?resize=300,169 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/03\/consumer-proposal-image.jpg?resize=768,432 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/03\/consumer-proposal-image.jpg?resize=1024,576 1024w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/03\/consumer-proposal-image.jpg?resize=1536,864 1536w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/03\/consumer-proposal-image.jpg?resize=2048,1152 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 pad-r-0 col-md-12 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/endettement-et-reduction-du-stress\/faillite\/proposition-de-consommateur\/\">\n\t\t\t\t\t\tProposition de consommateur\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/endettement-et-reduction-du-stress\/faillite\/proposition-de-consommateur\/proposition-de-consommateur-reponses-aux-10-principales-questions\/\" class=\"card-title h4 mar-t-0\">Proposition de consommateur\u00a0: r\u00e9ponses aux 10\u00a0principales questions<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n<\/section>\n<style class=\"advgb-styles-renderer\">\n\t\t.wp-block-tk-spacer.id-0a765464-a2dc-4120-acd8-6162f06eeb27 {\n\t\theight: 96px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-0a765464-a2dc-4120-acd8-6162f06eeb27 {\n\t\t\theight: 30px;\n\t\t}\n\t}\t\n\t\t.wp-block-tk-spacer.id-e54ca9a6-d9af-4931-9800-4722186bf5e9 {\n\t\theight: 60px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-e54ca9a6-d9af-4931-9800-4722186bf5e9 {\n\t\t\theight: 30px;\n\t\t}\n\t}\t<\/style>","protected":false},"excerpt":{"rendered":"<p>Une proposition de consommateur peut vous aider \u00e0 g\u00e9rer vos dettes pour les effacer, mais elle peut affecter votre cote de solvabilit\u00e9.<\/p>\n","protected":false},"author":113,"featured_media":21849,"parent":6525,"menu_order":0,"template":"","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"tags":[130],"rbc_content_type":[121],"rbc_audience":[],"rbc_lob_group":[275],"rbc_difficulty_level":[123],"rbc_mmm_category":[29,36,62],"class_list":["post-21848","rbc_my_money_matter","type-rbc_my_money_matter","status-publish","has-post-thumbnail","hentry","tag-finances-personnelles","rbc_content_type-article","rbc_lob_group-comptes","rbc_difficulty_level-beginner","rbc_mmm_category-endettement-et-reduction-du-stress","rbc_mmm_category-faillite","rbc_mmm_category-proposition-de-consommateur"],"acf":{"contently_publication_id":"365078","custom_author":"Rebecca 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