{"id":6518,"date":"2023-08-14T14:56:04","date_gmt":"2023-08-14T14:56:04","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/endettement-et-reduction-du-stress\/faillite\/faillite-personnelle\/"},"modified":"2026-02-03T01:28:48","modified_gmt":"2026-02-03T01:28:48","slug":"faillite-personnelle","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/endettement-et-reduction-du-stress\/faillite\/faillite-personnelle\/","title":{"rendered":"Faillite personnelle"},"content":{"rendered":"\n<section class=\"wp-block-rbc-section-block  pos-rel pad-b-0 pad-t-0\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner pad-t-0 pad-b-0\" style=\"border-radius:0x\">\n<div class=\"wp-block-group is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-ce2ebfd8 wp-block-group-is-layout-constrained\">\n<p class=\"h3\">Pour une personne submerg\u00e9e de stress financier, la faillite peut sembler \u00eatre la seule option. Or, il peut en \u00eatre autrement. Explorez les options qui s\u2019offrent \u00e0 vous et faites un pas vers un avenir financier plus solide.<\/p>\n<\/div>\n<\/div>\n<\/section>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-215db61c-2f29-497b-9107-dbc5c098a0dd\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel pad-t-0 pad-b-0\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner pad-t-0 pad-b-0\" style=\"border-radius:0x\">\n<div class=\"wp-block-columns  mar-b-0 is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column mar-r mob-mar-r-0 mob-mar-b-dbl is-layout-flow wp-block-column-is-layout-flow\">\n<article id=\"post-7038\" class=\"loop-post featured-vertical mob-pad-b-dbl post-7038 rbc_my_money_matter type-rbc_my_money_matter status-publish has-post-thumbnail hentry tag-credit-et-dette rbc_content_type-article rbc_audience-proprietaires-dentreprise rbc_lob_group-entreprises rbc_difficulty_level-beginner rbc_mmm_category-endettement-et-reduction-du-stress rbc_mmm_category-faillite rbc_mmm_category-faillite-personnelle-faillite\">\n\t<div class=\"col-wpr mar-b-0\">\n\t\t\t\t\t<div class=\"col-md-12 mar-b mob-mar-b-dbl\">\n\t\t\t\t<div \n\t\t\t\t\trole=\"img\"\n\t\t\t\t\taria-label=\"Poign\u00e9e de main entre deux hommes au-dessus de documents et d&#039;un maillet sur un bureau.\"\n\t\t\t\t\tclass=\"post-card-image\"\n\t\t\t\t>\n\t\t\t\t\t\t\t<img\n\t\t\tdecoding=\"async\"\n\t\t\tloading=\"lazy\"\n\t\t\twidth=\"680\"\n\t\t\theight=\"453\"\n\t\t\tsrc=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-07-20T150458.605.jpg?quality=80&#038;w=680\"\n\t\t\talt=\"Poign\u00e9e de main entre deux hommes au-dessus de documents et d&#039;un maillet sur un bureau.\"\n\t\t\tclass=\"wp-post-image\"\n\t\t\t\t\t\tstyle=\"object-position: 50% 50%; \"\n\t\t\t\t\t\/>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t<div class=\"col-md-12 mob-mar-t-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\/credit-et-dette\/\">\n\t\t\t\t\t\t\t<span>cr\u00e9dit et dette<\/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\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/endettement-et-reduction-du-stress\/faillite\/faillite-personnelle\/le-processus-de-faillite-en-bref\/\" class=\"h3 loop-post-title mar-t-0\">Le fonctionnement du processus de faillite personnelle au Canada : un guide \u00e9tape par \u00e9tape<\/a>\n\t\t\t\t\t\t\t<p>Apprenez comment d\u00e9clarer une faillite personnelle au Canada : le processus \u00e9tape par \u00e9tape, la dur\u00e9e du processus, les co\u00fbts et les solutions de&#8230;<\/p>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/article>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-rbc-rbccom-latest-posts\">\n<article id=\"post-7058\" class=\"single-post-card-wrapper post-7058 rbc_my_money_matter type-rbc_my_money_matter status-publish has-post-thumbnail hentry tag-credit-et-dette rbc_content_type-article rbc_audience-proprietaires-dentreprise rbc_lob_group-entreprises rbc_difficulty_level-beginner rbc_mmm_category-endettement-et-reduction-du-stress rbc_mmm_category-faillite rbc_mmm_category-faillite-commerciale\">\n  <div class=\"wp-block-rbc-single-post-card\">\n    <div class=\"latest-post-card\">\n      \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\/credit-et-dette\/\">\n\t\t\t\t\t\t\t<span>cr\u00e9dit et dette<\/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              <a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/endettement-et-reduction-du-stress\/faillite\/faillite-commerciale\/limpact-dune-faillite-sur-un-client-comment-maintenir-la-relation\/\" class=\"h4 post-title mar-b-hlf mar-t-0 truncate-third-line\">L&rsquo;impact d&rsquo;une faillite sur un client : comment maintenir la relation<\/a>\n                    <p class=\"post-description\">Conseils pour att\u00e9nuer l&#039;incidence d&#039;une faillite commerciale sur la client\u00e8le, ainsi que pour maintenir et regagner la confiance de celle-ci.<\/p>\n          <\/div>\n  <\/div>\n<\/article>\n\n\n\n<article id=\"post-7070\" class=\"single-post-card-wrapper post-7070 rbc_my_money_matter type-rbc_my_money_matter status-publish has-post-thumbnail hentry tag-gestion-de-largent rbc_content_type-article rbc_audience-proprietaires-dentreprise rbc_lob_group-entreprises rbc_difficulty_level-beginner rbc_mmm_category-endettement-et-reduction-du-stress rbc_mmm_category-faillite rbc_mmm_category-proposition-de-consommateur\">\n  <div class=\"wp-block-rbc-single-post-card\">\n    <div class=\"latest-post-card\">\n      \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\/gestion-de-largent\/\">\n\t\t\t\t\t\t\t<span>Gestion de l&#039;argent<\/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              <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=\"h4 post-title mar-b-hlf mar-t-0 truncate-third-line\">\u00c9viter la faillite : comprendre la proposition de consommateur au Canada<\/a>\n                    <p class=\"post-description\">La proposition de consommateur est une solution diff\u00e9rente de la faillite qui m\u00e9rite d&#039;\u00eatre envisag\u00e9e. Voici comment fonctionne cette proc\u00e9dure.<\/p>\n          <\/div>\n  <\/div>\n<\/article>\n\n\n\n<article id=\"post-7071\" class=\"single-post-card-wrapper post-7071 rbc_my_money_matter type-rbc_my_money_matter status-publish has-post-thumbnail hentry tag-credit-et-dette rbc_content_type-article rbc_audience-proprietaires-dentreprise rbc_lob_group-entreprises rbc_difficulty_level-beginner rbc_mmm_category-endettement-et-reduction-du-stress rbc_mmm_category-faillite rbc_mmm_category-faillite-commerciale\">\n  <div class=\"wp-block-rbc-single-post-card\">\n    <div class=\"latest-post-card\">\n      \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\/credit-et-dette\/\">\n\t\t\t\t\t\t\t<span>cr\u00e9dit et dette<\/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              <a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/endettement-et-reduction-du-stress\/faillite\/faillite-commerciale\/faillite-5-causes-courantes-pour-les-petites-entreprises\/\" class=\"h4 post-title mar-b-hlf mar-t-0 truncate-third-line\">Faillite : 5 causes courantes pour les petites entreprises<\/a>\n                    <p class=\"post-description\">Il est important pour les futurs entrepreneurs et les propri\u00e9taires de petites entreprises de comprendre les causes courantes de faillite&#8230;<\/p>\n          <\/div>\n  <\/div>\n<\/article>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-a2267389-16bd-4c72-8546-dbbf2e955661\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel pad-b-0 pad-t-0\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner pad-t-0 pad-b-0\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading mar-t-0 mar-b\" id=\"h-plus-de-faillite-personnelle\">Plus de Faillite personnelle<\/h2>\n\n\n\n<div class=\"wp-block-columns mar-b-0 is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:60%\">\t\t<div class=\" wp-block-rbc-latest-posts wp-block-rbc-latest-posts-type-2\">\n\t\t\t\n<article id=\"post-35121\" class=\"rbc-latest-posts-content-card-type-2 post-35121 rbc_my_money_matter type-rbc_my_money_matter status-publish has-post-thumbnail hentry tag-entrepreneur tag-etablissement-dun-budget rbc_content_type-article rbc_audience-proprietaires-dentreprise rbc_lob_group-entreprises rbc_difficulty_level-intermediate rbc_mmm_category-conseils-daffaires-appropries rbc_mmm_category-endettement-et-reduction-du-stress rbc_mmm_category-entreprises rbc_mmm_category-faillite rbc_mmm_category-gestion-de-lentreprise rbc_mmm_category-gestion-des-flux-de-tresorerie-et-donnees-financieres rbc_mmm_category-petite-entreprise rbc_mmm_category-proposition-de-consommateur\">\n\t<div class=\"col-wpr display-flex mar-b-0\">\n\t\t\t\t\t<div class=\"col-xs-5 mar-b-0\">\n\t\t\t\t<div\n\t\t\t\t\trole=\"img\"\n\t\t\t\t\taria-label=\"Femme et entra\u00eeneur soulevant des poids dans un gymnase.\"\n\t\t\t\t\tclass=\"post-card-image\"\n\t\t\t\t>\n\t\t\t\t\t\t\t<img\n\t\t\tdecoding=\"async\"\n\t\t\tloading=\"lazy\"\n\t\t\twidth=\"640\"\n\t\t\theight=\"427\"\n\t\t\tsrc=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/03\/iStock-1343159253_d5602b.jpg?quality=80&#038;w=640\"\n\t\t\talt=\"Femme et entra\u00eeneur soulevant des poids dans un gymnase.\"\n\t\t\tclass=\"wp-post-image\"\n\t\t\t\t\t\/>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"mar-t-0 col-xs-7\">\n\t\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\/entrepreneur\/\">\n\t\t\t\t\t\t\t<span>Entrepreneur<\/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\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/entreprises\/gestion-de-lentreprise\/gestion-des-flux-de-tresorerie-et-donnees-financieres\/dinsolvabilite-dentreprise-pieges-eviter-pour-proteger\/\" class=\"h4 card-title loop-post-title mar-b-hlf mar-t-0 mar-b-0\">Les cas d\u2019insolvabilit\u00e9 d\u2019entreprises demeurent \u00e9lev\u00e9s au Canada : 6 pi\u00e8ges \u00e0 \u00e9viter pour prot\u00e9ger votre entreprise et renforcer votre r\u00e9silience financi\u00e8re<\/a>\n\t\t\t\t\t\t\t\t\t<p class=\"mar-t-hlf\">Dans une situation \u00e9conomique incertaine, mieux vaut renforcer votre solidit\u00e9 financi\u00e8re pour limiter les risques d\u2019insolvabilit\u00e9. Rep\u00e9rer les&#8230;<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/article><!-- #post-35121 -->\n\n<article id=\"post-21406\" class=\"rbc-latest-posts-content-card-type-2 post-21406 rbc_my_money_matter type-rbc_my_money_matter status-publish has-post-thumbnail hentry tag-credit-et-dette rbc_content_type-article rbc_difficulty_level-beginner rbc_mmm_category-endettement-et-reduction-du-stress rbc_mmm_category-faillite rbc_mmm_category-faillite-personnelle-faillite\">\n\t<div class=\"col-wpr display-flex mar-b-0\">\n\t\t\t\t\t<div class=\"col-xs-5 mar-b-0\">\n\t\t\t\t<div\n\t\t\t\t\trole=\"img\"\n\t\t\t\t\taria-label=\"Femme stress\u00e9e regardant son ordinateur et ses factures \u00e0 la table de la cuisine\"\n\t\t\t\t\tclass=\"post-card-image\"\n\t\t\t\t>\n\t\t\t\t\t\t\t<img\n\t\t\tdecoding=\"async\"\n\t\t\tloading=\"lazy\"\n\t\t\twidth=\"640\"\n\t\t\theight=\"427\"\n\t\t\tsrc=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-08-30T142106.638.jpg?quality=80&#038;w=640\"\n\t\t\talt=\"Femme stress\u00e9e regardant son ordinateur et ses factures \u00e0 la table de la cuisine\"\n\t\t\tclass=\"wp-post-image\"\n\t\t\t\t\t\/>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"mar-t-0 col-xs-7\">\n\t\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\/credit-et-dette\/\">\n\t\t\t\t\t\t\t<span>cr\u00e9dit et dette<\/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\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/endettement-et-reduction-du-stress\/faillite\/faillite-personnelle\/6-strategies-pour-eviter-une-faillite-personnelle\/\" class=\"h4 card-title loop-post-title mar-b-hlf mar-t-0 mar-b-0\">Comment \u00e9viter la faillite au Canada<\/a>\n\t\t\t\t\t\t\t\t\t<p class=\"mar-t-hlf\">Strat\u00e9gies pour aider les personnes \u00e0 \u00e9viter une faillite personnelle.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/article><!-- #post-21406 -->\n\n<article id=\"post-7038\" class=\"rbc-latest-posts-content-card-type-2 post-7038 rbc_my_money_matter type-rbc_my_money_matter status-publish has-post-thumbnail hentry tag-credit-et-dette rbc_content_type-article rbc_audience-proprietaires-dentreprise rbc_lob_group-entreprises rbc_difficulty_level-beginner rbc_mmm_category-endettement-et-reduction-du-stress rbc_mmm_category-faillite rbc_mmm_category-faillite-personnelle-faillite\">\n\t<div class=\"col-wpr display-flex mar-b-0\">\n\t\t\t\t\t<div class=\"col-xs-5 mar-b-0\">\n\t\t\t\t<div\n\t\t\t\t\trole=\"img\"\n\t\t\t\t\taria-label=\"Poign\u00e9e de main entre deux hommes au-dessus de documents et d&#039;un maillet sur un bureau.\"\n\t\t\t\t\tclass=\"post-card-image\"\n\t\t\t\t>\n\t\t\t\t\t\t\t<img\n\t\t\tdecoding=\"async\"\n\t\t\tloading=\"lazy\"\n\t\t\twidth=\"640\"\n\t\t\theight=\"427\"\n\t\t\tsrc=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-07-20T150458.605.jpg?quality=80&#038;w=640\"\n\t\t\talt=\"Poign\u00e9e de main entre deux hommes au-dessus de documents et d&#039;un maillet sur un bureau.\"\n\t\t\tclass=\"wp-post-image\"\n\t\t\t\t\t\/>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"mar-t-0 col-xs-7\">\n\t\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\/credit-et-dette\/\">\n\t\t\t\t\t\t\t<span>cr\u00e9dit et dette<\/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\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/endettement-et-reduction-du-stress\/faillite\/faillite-personnelle\/le-processus-de-faillite-en-bref\/\" class=\"h4 card-title loop-post-title mar-b-hlf mar-t-0 mar-b-0\">Le fonctionnement du processus de faillite personnelle au Canada : un guide \u00e9tape par \u00e9tape<\/a>\n\t\t\t\t\t\t\t\t\t<p class=\"mar-t-hlf\">Apprenez comment d\u00e9clarer une faillite personnelle au Canada : le processus \u00e9tape par \u00e9tape, la dur\u00e9e du processus, les co\u00fbts et les solutions de&#8230;<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/article><!-- #post-7038 -->\n\t\t\t\t\t<div class=\"load-more-button text-center mob-pad-t-hlf pad-t\">\n\t\t\t\t\t\t<button class=\"btn tertiary mar-t-0\">Afficher d\u2019autres articles<\/button>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t<\/div>\n\n\t\t<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:10%\"><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:30%\">\t\n\t<div class=\"wp-block-tk-spacer id-1e452f7e-8ef9-4db9-b147-e77d54edc58c\" aria-hidden=\"true\"><\/div>\n\t<\/div>\n<\/div>\n<\/div>\n<\/section>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-d61760a5-de6c-4106-bd73-1bb0fdba8d33\" aria-hidden=\"true\"><\/div>\n\t<style class=\"advgb-styles-renderer\">\n\t\t.wp-block-tk-spacer.id-215db61c-2f29-497b-9107-dbc5c098a0dd {\n\t\theight: 64px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-215db61c-2f29-497b-9107-dbc5c098a0dd {\n\t\t\theight: 64px;\n\t\t}\n\t}\t\n\t\t.wp-block-tk-spacer.id-a2267389-16bd-4c72-8546-dbbf2e955661 {\n\t\theight: 96px;\n\t}\n\n\t@media ( max-width: 480px ) 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