{"id":632154,"date":"2026-04-21T06:24:35","date_gmt":"2026-04-21T04:24:35","guid":{"rendered":"https:\/\/kohenavocats.com\/tribunal-judiciaire-de-bourg-en-bresse-le-1-octobre-2025-n25-01350\/"},"modified":"2026-04-21T06:24:35","modified_gmt":"2026-04-21T04:24:35","slug":"tribunal-judiciaire-de-bourg-en-bresse-le-1-octobre-2025-n25-01350","status":"publish","type":"post","link":"https:\/\/kohenavocats.com\/en\/tribunal-judiciaire-de-bourg-en-bresse-le-1-octobre-2025-n25-01350\/","title":{"rendered":"Tribunal judiciaire de Bourg-en-Bresse, le 1 octobre 2025, n\u00b025\/01350"},"content":{"rendered":"
\n

Le tribunal judiciaire, statuant en mati\u00e8re de contentieux de la protection, a rendu une d\u00e9cision le 1er octobre 2025. Un d\u00e9biteur, salari\u00e9 en arr\u00eat maladie, contestait les mesures impos\u00e9es par la commission de surendettement. Le juge a examin\u00e9 la recevabilit\u00e9 du recours, fix\u00e9 le montant du passif et d\u00e9termin\u00e9 les mesures adapt\u00e9es. Il a d\u00e9clar\u00e9 le recours recevable et prononc\u00e9 un moratoire de douze mois sur les dettes, consid\u00e9rant l’absence de capacit\u00e9 de remboursement actuelle.<\/p>\n

La recevabilit\u00e9 du recours et la fixation du passif<\/p>\n

Le juge v\u00e9rifie d’abord le respect des conditions de forme et de d\u00e9lai pour contester. Le texte pr\u00e9voit un recours par lettre recommand\u00e9e dans les trente jours suivant la notification des mesures. “Le courrier de contestation a \u00e9t\u00e9 pris en charge par les services postaux le 6 mai 2025, soit dans les d\u00e9lais l\u00e9gaux” (Motifs). Cette application stricte rejoint une jurisprudence constante sur le point de d\u00e9part du d\u00e9lai. “Il r\u00e9sulte de l\u2019article R.733-6 du code de la consommation que la contestation (…) est form\u00e9e par d\u00e9claration remise ou adress\u00e9e par lettre recommand\u00e9e avec demande d\u2019avis de r\u00e9ception \u00e0 son secr\u00e9tariat dans un d\u00e9lai de trente jours \u00e0 compter de leur notification” (Tribunal judiciaire de N\u00eemes, le 13 f\u00e9vrier 2025, n\u00b024\/01145). La recevabilit\u00e9 est ainsi assur\u00e9e par le strict respect des modalit\u00e9s proc\u00e9durales.<\/p>\n

Saisi du fond, le juge proc\u00e8de \u00e0 l’examen substantiel des cr\u00e9ances. Il exerce son pouvoir de contr\u00f4le sur la validit\u00e9 et le montant des dettes, comme le lui permet la loi. Pour une cr\u00e9ance, il constate son extinction par la production d’une quittance. Pour une autre, il retient le montant d\u00e9clar\u00e9 par l’organisme cr\u00e9ancier, faute d’\u00e9l\u00e9ments contraires probants. “Le tribunal n\u2019est pas en capacit\u00e9 d\u2019actualiser la cr\u00e9ance au regard des seules d\u00e9clarations de la d\u00e9bitrice” (Motifs). Le juge fixe ainsi le passif de mani\u00e8re pr\u00e9cise et motiv\u00e9e, exer\u00e7ant pleinement son office de v\u00e9rification des \u00e9l\u00e9ments du dossier.<\/p>\n

L’appr\u00e9ciation de la capacit\u00e9 de remboursement et le choix de la mesure<\/p>\n

Le juge d\u00e9termine ensuite les ressources et les charges du d\u00e9biteur pour \u00e9valuer sa capacit\u00e9. Il retient un revenu provenant du maintien de salaire et des prestations familiales. Pour les charges, il applique la m\u00e9thode des bar\u00e8mes forfaitaires de la commission, qu’il compl\u00e8te par des frais r\u00e9els. “La part des ressources n\u00e9cessaires aux d\u00e9penses courantes du m\u00e9nage (…) est fix\u00e9e \u00e0 1958 euros” (Motifs). La diff\u00e9rence entre revenus et charges ne laisse appara\u00eetre qu’une capacit\u00e9 r\u00e9siduelle de trente et un euros. Cette approche combine forfait et r\u00e9alit\u00e9 pour une appr\u00e9ciation au plus pr\u00e8s de la situation.<\/p>\n

Face \u00e0 l’absence de capacit\u00e9 effective, le juge \u00e9carte le r\u00e9tablissement personnel et opte pour un moratoire. Il estime que la situation difficile r\u00e9sulte d’une baisse temporaire de ressources due \u00e0 une maladie. “Aucun \u00e9l\u00e9ment de l’esp\u00e8ce ne permet de consid\u00e9rer qu’elle est plac\u00e9e dans une situation irr\u00e9m\u00e9diablement compromise” (Motifs). La suspension d’exigibilit\u00e9 pour douze mois, sans int\u00e9r\u00eats, constitue la mesure proportionn\u00e9e. Elle fige le passif en attendant une reprise d’activit\u00e9 ou, \u00e0 d\u00e9faut, un nouvel examen. Cette d\u00e9cision illustre la gradation des mesures et le caract\u00e8re subsidiaire du r\u00e9tablissement personnel.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Le tribunal judiciaire, statuant en mati\u00e8re de contentieux de la protection, a rendu une d\u00e9cision le 1er octobre 2025. Un d\u00e9biteur, salari\u00e9 en arr\u00eat maladie,…<\/p>\n","protected":false},"author":232070755,"featured_media":9449,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_crdt_document":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_kj_source_type":"judilibre","_kj_official_id":"68f13fc888dcb0e97e904ee8","_kj_official_url":"https:\/\/www.courdecassation.fr\/decision\/68f13fc888dcb0e97e904ee8","_kj_judilibre_id":"68f13fc888dcb0e97e904ee8","_kj_jur":"Tribunal judiciaire","_kj_lieu":"Tribunal judiciaire de Bourg-en-Bresse","_kj_chambre":"JCP","_kj_rg":"25\/01350","_kj_date":"2025-10-14","_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[7597],"tags":[],"class_list":["post-632154","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-jurisprudence"],"yoast_head":"\nTribunal judiciaire de Bourg-en-Bresse, le 1 octobre 2025, n\u00b025\/01350 - Ma\u00eetre Hassan Kohen, avocat en droit p\u00e9nal \u00e0 Paris<\/title>\n<meta name=\"description\" content=\"Le tribunal judiciaire, statuant en mati\u00e8re de contentieux de la protection, a rendu une d\u00e9cision le 1er octobre 2025. 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