{"id":665863,"date":"2026-04-24T00:36:25","date_gmt":"2026-04-23T22:36:25","guid":{"rendered":"https:\/\/kohenavocats.com\/tribunal-judiciaire-de-bordeaux-le-7-novembre-2025-n25-00557\/"},"modified":"2026-04-24T00:36:25","modified_gmt":"2026-04-23T22:36:25","slug":"tribunal-judiciaire-de-bordeaux-le-7-novembre-2025-n25-00557","status":"publish","type":"post","link":"https:\/\/kohenavocats.com\/en\/tribunal-judiciaire-de-bordeaux-le-7-novembre-2025-n25-00557\/","title":{"rendered":"Tribunal judiciaire de Bordeaux, le 7 novembre 2025, n\u00b025\/00557"},"content":{"rendered":"
\n

Le tribunal judiciaire de Bordeaux, juge des contentieux de la protection, statue le 7 novembre 2025 sur un recours contre des mesures de la commission de surendettement. Le d\u00e9biteur, c\u00e9libataire sans charge, contestait un plan de remboursement mensuel de 1173 euros. Sa situation professionnelle ayant \u00e9volu\u00e9 vers le ch\u00f4mage puis un projet de cr\u00e9ation d’auto-entreprise, le juge a r\u00e9\u00e9valu\u00e9 sa capacit\u00e9 de remboursement. Il a infirm\u00e9 la d\u00e9cision de la commission et ordonn\u00e9 un moratoire de six mois sur les dettes, estimant une am\u00e9lioration future possible.<\/p>\n

Le contr\u00f4le juridictionnel de la capacit\u00e9 de remboursement.<\/p>\n

Le juge op\u00e8re un contr\u00f4le complet de la situation budg\u00e9taire du d\u00e9biteur. Il dresse un \u00e9tat pr\u00e9cis des ressources et des charges actuelles, distinct de celui retenu par la commission. Cette analyse dynamique int\u00e8gre l’\u00e9volution r\u00e9cente des revenus vers l’allocation de retour \u00e0 l’emploi. Le juge v\u00e9rifie aussi l’absence de patrimoine saisissable pouvant d\u00e9sint\u00e9resser les cr\u00e9anciers. Ce pouvoir d’instruction d’office garantit une appr\u00e9ciation r\u00e9elle et actualis\u00e9e de la situation.<\/p>\n

Le juge applique strictement le cadre l\u00e9gal du reste \u00e0 vivre. Il rappelle que “la part des ressources n\u00e9cessaires aux d\u00e9penses courantes du m\u00e9nage est d\u00e9termin\u00e9e dans les conditions pr\u00e9vues \u00e0 l’article L. 731-2” (Motifs). Ce forfait inclut les d\u00e9penses de logement, d’\u00e9nergie, de nourriture et de d\u00e9placements professionnels. Le calcul doit laisser un reste \u00e0 vivre au moins \u00e9gal au montant du revenu de solidarit\u00e9 active. Ce contr\u00f4le assure la protection du minimum vital du d\u00e9biteur.<\/p>\n

L’adaptation des mesures \u00e0 la perspective de r\u00e9tablissement.<\/p>\n

La d\u00e9cision privil\u00e9gie une mesure temporaire face \u00e0 une situation transitoire. Constatant un projet s\u00e9rieux de cr\u00e9ation d’auto-entreprise, le juge estime la situation non irr\u00e9m\u00e9diablement compromise. Il utilise la facult\u00e9 de “suspendre l’exigibilit\u00e9 des cr\u00e9ances autres qu’alimentaires pour une dur\u00e9e qui ne peut exc\u00e9der deux ans” (Motifs). Un moratoire de six mois est ordonn\u00e9 pour permettre au d\u00e9biteur de concr\u00e9tiser son projet professionnel. Cette solution \u00e9vite un plan de remboursement inadapt\u00e9 \u00e0 court terme.<\/p>\n

Le moratoire s’accompagne d’obligations strictes et d’un cadre proc\u00e9dural pr\u00e9cis. Le d\u00e9biteur devra ressaisir la commission dans un d\u00e9lai de trois mois apr\u00e8s la suspension. Il lui est interdit de contracter de nouvelles dettes sous peine de d\u00e9ch\u00e9ance. La d\u00e9cision suspend \u00e9galement toutes les voies d’ex\u00e9cution en cours. Cette approche \u00e9quilibre la protection du d\u00e9biteur et les int\u00e9r\u00eats des cr\u00e9anciers. Elle conditionne le sursis accord\u00e9 \u00e0 un r\u00e9examen obligatoire de la situation.<\/p>\n

Cette d\u00e9cision illustre le pouvoir d’adaptation du juge du surendettement. Elle d\u00e9montre que l’appr\u00e9ciation de la capacit\u00e9 de remboursement est un exercice dynamique et prospectif. Le juge peut substituer une mesure temporaire \u00e0 un plan de remboursement lorsque la situation \u00e9volue favorablement. Cette jurisprudence rappelle l’importance du projet professionnel dans l’\u00e9valuation de l’issue de la proc\u00e9dure. Elle confirme enfin le r\u00f4le central du juge dans la personnalisation des mesures de redressement.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Le tribunal judiciaire de Bordeaux, juge des contentieux de la protection, statue le 7 novembre 2025 sur un recours contre des mesures de la commission de su…<\/p>\n","protected":false},"author":232070755,"featured_media":3890,"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":"68f91d0dde0ebe408da9038c","_kj_official_url":"https:\/\/www.courdecassation.fr\/decision\/68f91d0dde0ebe408da9038c","_kj_judilibre_id":"68f91d0dde0ebe408da9038c","_kj_jur":"Tribunal judiciaire","_kj_lieu":"Tribunal judiciaire de Bordeaux","_kj_chambre":"PPP Surendettement","_kj_rg":"25\/00557","_kj_date":"2025-09-24","_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[7597],"tags":[],"class_list":["post-665863","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-jurisprudence"],"yoast_head":"\nTribunal judiciaire de Bordeaux, le 7 novembre 2025, n\u00b025\/00557 - 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