Free lawyer to credit and over-indebtedness

A lawyer is also a moral support, not to be overlooked

When one has a credit that takes us to the gorge, it is a good idea to use a lawyer who can help in this difficult situation is the debt overhangThe consumer credit simplifies the life of people, this is the side of the consumer, people who buy, that the side of the traders. It is a facility that allows you to acquire goods that could not pay cash. But, as always with the money, it is also an immense source of problems, with often of the people who end up with credits on the back, that they had not necessarily chosen to have, at least knowingly. There are several Laws to defend individuals from the abuses of societies of credit to the consumer, and they are many. The banks of course have an army of lawyers that allow them to cope with the expenses related to legal actions. But consumers often have the Law on their side: many Laws exist, to protect it. The Laws allow for example the consumer of return on loans that would have been made impulsively, for example.

The lawyer will first look at the validity of credit agreements that you have been able to make.

Some contracts are simply contrary to the Law, and therefore not valid. It seeks a solution to a problem of over-indebtedness, and will negotiate, before it is too late. Its advisory role is vital, leaving you not only face your money problem. It will keep you from making commitments that are too heavy or to accept proposals against. There are several concrete points where the lawyer can propose a Recovery staff: case-by-case, folder, to folder, to determine the best way to put afloat and the consumer, who is in a situation of over-indebtedness. It can no longer pay for a lawyer, and will almost never call on the services of a professional. This is all the more true if the amounts are small: it is said that for a thousand euros, it's not worth the blow to call a lawyer, which will cost all way more expensive. Leaving it hanging out the problem, the borrower is short of serious risks: the bank may obtain a judgment in the high court, which allows him to be paid immediately by entering your furniture for example, or by making an attachment of earnings.

Therefore, it is essential to consult with a lawyer at the first sign of payment difficulties, do not rely on the hope of better days.

The credit agencies prefer often, rather than a procedure: it costs them less expensive, and you have good chances to get better terms to pay off your debt. If you are summonsed to court, you can introduce yourself there alone, of course, but here, the lawyer is in his her environment, and will be able to provide you the best legal advice.

If it is the RSA, for example, the lawyer is free

Of course, one must present the required documentation, which may vary according to the situations. The beneficiaries of social minima have thus entitled to free legal services. With children, income caps are somewhat higher, it is necessary to inform to the city council to know their rights. People who have the chance to have a little more income will have to partially pay for the lawyer fees, as a single person earning slightly less than the minimum wage (SMIC) for example. To be able to apply for legal aid, you must fill out a form, which you can find on the site You will also find on this page the different ceilings in order to benefit from legal aid free of charge, or at reduced rates, follow the link"information memorandum". and in some town halls There are also access points to the right a bit everywhere in France, where you can get advice anonymously. It is to provide access to justice to all the world, that the permanence of legal exists. Still within the context of the justice for all, the Mayor of Paris, for example, has put in place a permanent legal for people who are deaf and hard of hearing. Lawyers free to work on the basis of, and are for the most part young people who are starting their careers, the other preferring, of course, more contracts juicy. It is a group of public interest, provided for by the law of the ten July, under the president of the grande instance of the chef-lieu of the department.

This structure, which brought together several actors of the justice (such as lawyers, notaries, local authorities, social service agencies, bailiffs) can be applied for Each CDAD has a fundamental role in the information of the users of the Justice system.

They are lodged at the tribunal de grande instance of the chef-lieu of the department.

Many use the Internet as a medium of communication and information, you may be able to begin your money is often a source of conflict, of misunderstandings.

When there is a conflict, that we cannot resolve amicably, each believing themselves to be in the right, it is common to appeal to the Justice, to the courts. Unfortunately, we know that the call to Justice, which is supposed to be free for all, is in practice dear: it is necessary to call in a lawyer to help us in our legal action.

When we are in conflict with a society of credit, it is that we do not already have a lot of money for us, and therefore still less to pay a lawyer.

But it was fortunately the right to have a lawyer free of charge, if you do not have enough resources. Even the debt recovery companies have done a cross on a normal procedure for recovery of debts and are ready to go to the insurance companies are not debt like other. Even in a situation of over-indebtedness, they continue to play a role, if one keeps only those that really matter. the Bank of France to be put under legal protection in the face of its creditors. It is a solution to enjoy a new start, but reserved for situations"irremediably compromised". A loan is a commitment and must be repaid Check your repayment capacity before you commit. The responsibility of the authors of eKonomia could not be retained in the event of poor financial decision-making resulting from information published online.