Description

In partnership with Drive Innovation Insights The Sapin 2 law and the decree of March 8, 2017 on the conventional recovery plan strengthen the fight against over-indebtedness. Faced with these regulatory developments, it is essential to master the new obligations of the parties “overindebted, bank, Banque de France... At the same time, the dematerialization of overindebtedness files with the Banque de France requires you to review and optimize your procedures ? This training will shed light on the latest regulatory news and give you the keys to dealing with and monitoring a customer in a situation of over-indebtedness in the light of dematerialization.

Who is this training for ?

For whom ?

Any person responsible for debt collection, litigation, over-indebtedness and monitoring collections.

Prerequisites

Training objectives

Master over-indebtedness procedures and identify the obligations of the different parties

Integrate regulatory developments: Hamon, Sapin II and separation of banking activities laws

Create a file and put an amicable plan in place

Master the dematerialization of files and manage customer relations

Training program

• The regulatory framework for over-indebtedness
  • The definition of over-indebtedness.
  • The applicable rules of law: the principles of the Borloo law; the Lagarde law of July 1, 00; the rules imposed by the Over-indebtedness Commission; the procedures referral.
• 121 Latest regulatory developments
  • The Sapin II law and the decree of March 0: impacts on the treatment of over-indebtedness.
  • The Hamon 0 law: measures for consumer purchasing power; supervision the distribution of consumer credit; the fight against overindebtedness.
  • The law on the separation of banking activities of July 0.
  • Decrees relating to procedures for dealing with overindebtedness of individuals and to consumer information.
  • PCBs: Budget Advice Point.
  • The dematerialization of Banque de France files.
• 821721426213The main stages of an over-indebtedness file Submit a file: when? priority files? instructions to your customers?
  • The relationship with the BdF.
  • The different types of debt.
  • Resources to maintain a minimum standard of living.
  • Redemption debts and admissibility of a file.
  • The notions of foreclosure and conclusion.
• Procedures and implementation of an amicable plan
  • The different procedures.
  • Implement an amicable plan: definition and issues; repayment of debts; client monitoring; intervention by the BdF.
• The legal framework of the amicable plan
  • The parties' recourses.
  • The role of the judge and his powers.
  • The challenge and refusal.
  • The 'filing' of the BdF.
  • The obligations of the overindebted, the bank and the BdF.
  • The consequences on the assets of the overindebted.