{"id":31449,"date":"2024-08-06T18:45:47","date_gmt":"2024-08-06T18:45:47","guid":{"rendered":""},"modified":"2024-08-29T14:25:42","modified_gmt":"2024-08-29T14:25:42","slug":"guide-incontournable-pour-eviter-les-escroqueries-dallegement-de-dette","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/endettement-et-reduction-du-stress\/evenements-imprevus\/gestion-du-stress-financier\/guide-incontournable-pour-eviter-les-escroqueries-dallegement-de-dette\/","title":{"rendered":"Guide incontournable pour \u00e9viter les escroqueries d&rsquo;all\u00e8gement de dette"},"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\">Guide incontournable pour \u00e9viter les escroqueries d&rsquo;all\u00e8gement de dette<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By Sylvie Tremblay<\/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=\"1024\" height=\"683\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/08\/shutterstock_1395298547_DebtReliefScams.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"Jeune couple en col\u00e8re regardant un contrat\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/08\/shutterstock_1395298547_DebtReliefScams.jpg 5231w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/08\/shutterstock_1395298547_DebtReliefScams.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/08\/shutterstock_1395298547_DebtReliefScams.jpg?resize=768,512 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/08\/shutterstock_1395298547_DebtReliefScams.jpg?resize=1024,683 1024w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/08\/shutterstock_1395298547_DebtReliefScams.jpg?resize=1536,1024 1536w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/08\/shutterstock_1395298547_DebtReliefScams.jpg?resize=2048,1366 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\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=Guide incontournable pour \u00e9viter les escroqueries d&rsquo;all\u00e8gement de dette &#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\/evenements-imprevus\/gestion-du-stress-financier\/guide-incontournable-pour-eviter-les-escroqueries-dallegement-de-dette\/\">\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\/evenements-imprevus\/gestion-du-stress-financier\/guide-incontournable-pour-eviter-les-escroqueries-dallegement-de-dette\/\">\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 6 ao\u00fbt 2024 \u2022 6 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<div class=\"wp-block-rbc-rbc-block drop-shadow pos-rel top-line-blue block-wpr  mar-b-hlf\">\n<div class=\"wp-block-rbc-rbc-block-inner-block block-inner\">\n<h2 class=\"wp-block-heading\">TLPL<\/h2>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>&nbsp;La dette \u00e0 la consommation canadienne est en hausse, tout comme les escroqueries d\u2019all\u00e8gement de dette, qui font miroiter des solutions miracles pour r\u00e9duire vos dettes.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>&nbsp;Les fraudeurs facturent souvent des frais initiaux et usent de promesses irr\u00e9alistes et de moyens de pression pour vous tromper.&nbsp;&nbsp;&nbsp;<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Si vous avez du mal \u00e0 g\u00e9rer vos dettes, votre banque peut vous offrir des solutions, comme des pr\u00eats de consolidation.&nbsp;&nbsp;&nbsp;<\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<p>La gestion des dettes peut \u00eatre une exp\u00e9rience des plus angoissantes, et de plus en plus de Canadiens sont aux prises avec ce d\u00e9sagr\u00e9ment. Selon une \u00e9tude d\u2019<a href=\"https:\/\/assets.equifax.com\/assets\/canada\/french\/EQ-ConsumerTrends-Report-2023-Q4-FR-240314.pdf\" target=\"_blank\" data-dig-id=\"LP-31449-71594b40\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Equifax\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Equifax<\/a>, la dette \u00e0 la consommation au pays a atteint 2,45&nbsp;billions de dollars au cours du dernier trimestre de 2023, ce qui correspond \u00e0 une moyenne de 21&nbsp;296&nbsp;$ par individu.&nbsp;&nbsp;<\/p>\n\n\n\n<p>\u00c0 mesure que l\u2019endettement augmente, <a href=\"https:\/\/toronto.ctvnews.ca\/having-financial-problems-don-t-get-caught-in-debt-relief-scams-1.6646873\" target=\"_blank\" data-dig-id=\"LP-31449-e6377991\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"de plus en plus de Canadiens\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">de plus en plus de Canadiens<\/a> deviennent la proie de soci\u00e9t\u00e9s de r\u00e8glement de dettes ill\u00e9gitimes qui leur promettent une solution miracle par l\u2019entremise de solutions d\u2019insolvabilit\u00e9, comme les faillites. Ces soci\u00e9t\u00e9s ne sont pas autoris\u00e9es \u00e0 fournir de tels services et imposent souvent des centaines ou des milliers de dollars en frais \u00e0 leurs clients.&nbsp;<\/p>\n\n\n\n<p>Si vous \u00eates assi\u00e9g\u00e9 par vos dettes, tournez-vous plut\u00f4t vers des ressources de confiance. Le pr\u00e9sent article vous aidera \u00e0 distinguer les escroqueries et les services l\u00e9gitimes et vous pr\u00e9sentera les solutions que votre banque peut vous offrir pour vous soulager de vos dettes.&nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">En quoi consistent les escroqueries d\u2019all\u00e8gement de dette&nbsp;?<\/h2>\n\n\n\n<p>En bref, il s\u2019agit de faux conseillers en dettes qui vous promettent de vous soulager de vos dettes en n\u00e9gociant avec vos cr\u00e9anciers en votre nom, le tout \u00e0 prix modique. En r\u00e9alit\u00e9, ils facturent des centaines, voire des milliers de dollars en commissions de recommandation et en frais administratifs pour des services qu\u2019ils ne sont pas autoris\u00e9s \u00e0 fournir.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Indicateurs d\u2019une escroquerie d\u2019all\u00e8gement de dette<\/h2>\n\n\n\n<p>Bien que les signes varient au cas par cas, voici quelques caract\u00e9ristiques g\u00e9n\u00e9rales qui devraient vous mettre la puce \u00e0 l\u2019oreille.&nbsp;&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. Le conseiller facture des frais d\u2019embl\u00e9e&nbsp;<\/h3>\n\n\n\n<p>Les services d\u2019all\u00e8gement de dette l\u00e9gitimes commencent par une conversation sur votre situation financi\u00e8re, vos options et vos objectifs. En revanche, les escrocs peuvent exiger un paiement initial, des commissions de recommandation ou des frais administratifs avant m\u00eame de fournir leurs soi-disant services.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Le conseiller promet des r\u00e9sultats irr\u00e9alistes sans d\u00e9tailler sa d\u00e9marche&nbsp;<\/h3>\n\n\n\n<p>De nombreux escrocs promettent une solution miracle pour r\u00e9gler vos dettes. Certains d\u2019entre eux peuvent vous dire d\u2019arr\u00eater de parler \u00e0 vos cr\u00e9anciers pour leur permettre de n\u00e9gocier en votre nom. Un conseiller l\u00e9gitime d\u00e9crira en toute transparence les avantages et les inconv\u00e9nients de chaque option et vous donnera une id\u00e9e r\u00e9aliste des d\u00e9bouch\u00e9s possibles.&nbsp;&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"has-light-grey-background-color has-background\"><strong>Conseil d\u2019expert&nbsp;:<\/strong> La proposition de consommateur moyenne se situe \u00e0 environ <a href=\"https:\/\/bankruptcycanada.com\/how-consumer-proposal-payments-are-calculated\/\" target=\"_blank\" data-dig-id=\"LP-31449-eb0c1fdd\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"30 \u00e0 40&nbsp;%\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">30 \u00e0 40&nbsp;%<\/a> du total de vos dettes. M\u00e9fiez-vous des agents qui promettent des r\u00e9sultats nettement sup\u00e9rieurs.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. Le conseiller vous met de la pression&nbsp;<\/h3>\n\n\n\n<p>Les escrocs exploitent votre vuln\u00e9rabilit\u00e9 \u00e0 leur avantage pour vous inciter \u00e0 faire affaire avec eux. Les consultants l\u00e9gitimes offrent des consultations sans pression et sans engagement et vous permettent de prendre des d\u00e9cisions \u00e0 votre rythme.&nbsp;&nbsp;&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"has-light-grey-background-color has-background\"><strong>Conseil d\u2019expert&nbsp;:&nbsp;<\/strong>M\u00e9fiez-vous des conseillers qui vous promettent un meilleur prix si vous acceptez leur offre imm\u00e9diatement. Cette pratique n\u2019a pas lieu d\u2019\u00eatre, puisque les frais impos\u00e9s par les consultants en all\u00e8gement de dette sont r\u00e9glement\u00e9s par le gouvernement f\u00e9d\u00e9ral.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4. Le conseiller offre des services exclusivement en ligne&nbsp;<\/h3>\n\n\n\n<p>Offrir des consultations virtuelles n\u2019est pas un indicateur d\u2019alerte en soi, car les conseillers l\u00e9gitimes peuvent proposer ce service. M\u00e9fiez-vous toutefois des consultants qui offrent leurs servicesuniquementen ligne et qui n\u2019ont pas pignon sur rue au Canada.&nbsp;&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Comment vous prot\u00e9ger contre les escroqueries d\u2019all\u00e8gement de dette<\/h3>\n\n\n\n<h3 class=\"wp-block-heading\">1. Restez \u00e0 l\u2019aff\u00fbt des tendances en mati\u00e8re d\u2019escroqueries en ligne<\/h3>\n\n\n\n<p>Les escrocs sont fut\u00e9s et mettent r\u00e9guli\u00e8rement \u00e0 jour leurs tactiques. Votre premi\u00e8re ligne de d\u00e9fense consiste donc \u00e0 vous informer et \u00e0 rester \u00e0 jour. Consultez&nbsp;<a href=\"https:\/\/www.rbc.com\/cyberfute\/alertes\/index.html\" data-dig-id=\"LP-31449-54235416\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"cette page\" class=\"rbc-link-format\">cette page<\/a>&nbsp;sur le site de RBC, qui donne un compte rendu des cyberfraudes actuelles.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Adressez-vous \u00e0 votre banque pour vous aider \u00e0 g\u00e9rer vos dettes<\/h3>\n\n\n\n<p>&nbsp; Consultez un conseiller en services financiers de votre banque pour vous aider \u00e0 d\u00e9cortiquer votre dette et \u00e0 \u00e9tablir un plan pour la rembourser. Votre banque peut \u00e9galement vous offrir des solutions pour vous aider \u00e0&nbsp;<a href=\"https:\/\/www.rbcroyalbank.com\/fr\/prets-personnels\/rembourser-ses-dettes.html\" data-dig-id=\"LP-31449-ed4df7f5\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"rembourser vos dettes\" class=\"rbc-link-format\">rembourser vos dettes<\/a>, notamment&nbsp;:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Des pr\u00eats de consolidation ou des marges de cr\u00e9dit<\/strong> pour rembourser votre solde d\u00fb. Vous pourrez ensuite les rembourser selon des modalit\u00e9s convenues.&nbsp;&nbsp;<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Des marges de cr\u00e9dit sur valeur nette <\/strong>pour utiliser la valeur nette de votre propri\u00e9t\u00e9 afin de rembourser vos dettes.&nbsp;&nbsp;&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>Si vous devez envisager d\u2019autres options, comme une <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\/\" data-dig-id=\"LP-31449-136350bd\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"proposition de consommateur ou une faillite\" class=\"rbc-link-format\">proposition de consommateur ou une faillite<\/a>, votre banque pourra vous mettre en relation avec un professionnel certifi\u00e9.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. Faites vos recherches<\/h3>\n\n\n\n<p>Si vous cherchez un conseiller en all\u00e8gement de dette pour un service sp\u00e9cialis\u00e9, comme la faillite, consultez le r\u00e9pertoire du gouvernement du Canada pour trouver un <a href=\"https:\/\/www.ic.gc.ca\/app\/scr\/tds\/web\/?lang=fre\" target=\"_blank\" data-dig-id=\"LP-31449-4cac1375\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"syndic autoris\u00e9 en insolvabilit\u00e9 (SAI)\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">syndic autoris\u00e9 en insolvabilit\u00e9 (SAI)<\/a> pr\u00e8s de chez vous. Les SAI sont des professionnels autoris\u00e9s \u00e0 offrir des services d\u2019all\u00e8gement de la dette, et leurs pratiques commerciales et leurs frais sont encadr\u00e9s par le gouvernement.&nbsp;<\/p>\n\n\n\n<p>De plus, renseignez-vous sur les pratiques habituelles des SAI afin d\u2019\u00eatre plus \u00e0 m\u00eame de rep\u00e9rer les indicateurs d\u2019alerte. Les SAI offrent des services en personne, ne facturent pas de frais d\u2019embl\u00e9e et vous font des pr\u00e9visions impartiales et r\u00e9alistes.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Comment signaler une escroquerie&nbsp;<\/h3>\n\n\n\n<p>Si un potentiel escroc en all\u00e8gement de dette vous contacte, signalez-le au Centre antifraude du Canada en ligne ou par t\u00e9l\u00e9phone. <a href=\"https:\/\/antifraudcentre-centreantifraude.ca\/report-signalez-fra.htm\" target=\"_blank\" data-dig-id=\"LP-31449-637b5dc1\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Cliquez ici\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Cliquez ici<\/a> pour savoir comment.<\/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-20494e2e-d860-4fb5-8b40-4f2b3c43e8da\" 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=Guide incontournable pour \u00e9viter les escroqueries d&rsquo;all\u00e8gement de dette &#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\/evenements-imprevus\/gestion-du-stress-financier\/guide-incontournable-pour-eviter-les-escroqueries-dallegement-de-dette\/\">\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\/evenements-imprevus\/gestion-du-stress-financier\/guide-incontournable-pour-eviter-les-escroqueries-dallegement-de-dette\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            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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\/Stressed-about-money-Thumbnail-default@2x.jpg?quality=80&amp;w=930\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Stressed-about-money-Thumbnail-default@2x.jpg 930w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Stressed-about-money-Thumbnail-default@2x.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Stressed-about-money-Thumbnail-default@2x.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\/evenements-imprevus\/gestion-du-stress-financier\/\">\n\t\t\t\t\t\tGestion du stress financier\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\/evenements-imprevus\/gestion-du-stress-financier\/largent-vous-angoisse-voici-pourquoi-le-fait-den-parler-vous-aidera\/\" class=\"card-title h4 mar-t-0\">L&rsquo;argent vous angoisse ? Voici pourquoi le fait d&rsquo;en parler vous aidera<\/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=\"683\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/06\/shutterstock_2580359319_financialinfidelity.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Un couple qui semble f\u00e2ch\u00e9 assis face \u00e0 face sur un sofa gris.\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/06\/shutterstock_2580359319_financialinfidelity.jpg 6240w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/06\/shutterstock_2580359319_financialinfidelity.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/06\/shutterstock_2580359319_financialinfidelity.jpg?resize=768,512 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/06\/shutterstock_2580359319_financialinfidelity.jpg?resize=1024,683 1024w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/06\/shutterstock_2580359319_financialinfidelity.jpg?resize=1536,1024 1536w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/06\/shutterstock_2580359319_financialinfidelity.jpg?resize=2048,1365 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\/evenements-de-la-vie\/finances-et-relations\/mariage\/\">\n\t\t\t\t\t\tMariage\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\/evenements-de-la-vie\/finances-et-relations\/mariage\/comprendre-linfidelite-financiere-et-y-faire-face\/\" class=\"card-title h4 mar-t-0\">Comprendre l\u2019infid\u00e9lit\u00e9 financi\u00e8re et y faire face<\/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\/2025\/06\/DriveThumbFre_Edm.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Un groupe d&#039;amis assis et discutant dans une voiture.\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/06\/DriveThumbFre_Edm.jpg 3840w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/06\/DriveThumbFre_Edm.jpg?resize=300,169 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/06\/DriveThumbFre_Edm.jpg?resize=768,432 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/06\/DriveThumbFre_Edm.jpg?resize=1024,576 1024w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/06\/DriveThumbFre_Edm.jpg?resize=1536,864 1536w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/06\/DriveThumbFre_Edm.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\/sur-la-route\/\">\n\t\t\t\t\t\tSur la route\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\/sur-la-route\/le-lien-invisible-entre-le-stress-financier-et-le-bien-etre-personnel\/\" class=\"card-title h4 mar-t-0\">Le lien invisible entre le stress financier et le bien-\u00eatre personnel<\/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-20494e2e-d860-4fb5-8b40-4f2b3c43e8da {\n\t\theight: 90px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-20494e2e-d860-4fb5-8b40-4f2b3c43e8da {\n\t\t\theight: 30px;\n\t\t}\n\t}\t\n\t\t.wp-block-tk-spacer.id-528d8d6f-e072-4321-886c-7f603247e272 {\n\t\theight: 60px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-528d8d6f-e072-4321-886c-7f603247e272 {\n\t\t\theight: 30px;\n\t\t}\n\t}\t<\/style>","protected":false},"excerpt":{"rendered":"<p>La dette \u00e0 la consommation canadienne est en hausse, tout comme les escroqueries d\u2019all\u00e8gement de dette. Apprenez \u00e0 distinguer les conseillers en all\u00e8gement de dette l\u00e9gitimes et les fraudeurs potentiels.\u00a0\u00a0<\/p>\n","protected":false},"author":80,"featured_media":31450,"parent":6522,"menu_order":0,"template":"","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"tags":[130,298],"rbc_content_type":[121],"rbc_audience":[352],"rbc_lob_group":[275],"rbc_difficulty_level":[123],"rbc_mmm_category":[29,35,59],"class_list":["post-31449","rbc_my_money_matter","type-rbc_my_money_matter","status-publish","has-post-thumbnail","hentry","tag-finances-personnelles","tag-gestion-de-largent","rbc_content_type-article","rbc_audience-relations","rbc_lob_group-comptes","rbc_difficulty_level-beginner","rbc_mmm_category-endettement-et-reduction-du-stress","rbc_mmm_category-evenements-imprevus","rbc_mmm_category-gestion-du-stress-financier"],"acf":{"contently_publication_id":"364718","custom_author":"Sylvie Tremblay","rbc_video_header":"","rbc_media_duration":"","rbc_toc_for_mmm_tag":"h2","rbc_toc_for_mmm_limit":6,"rbc_toc_for_mmm":null,"rbc_toc_for_mmm_action":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<meta name=\"description\" content=\"La dette \u00e0 la consommation canadienne est en hausse, tout comme les escroqueries d\u2019all\u00e8gement de dette. 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