{"id":737828,"date":"2026-04-28T21:28:56","date_gmt":"2026-04-28T19:28:56","guid":{"rendered":"https:\/\/kohenavocats.com\/cour-dappel-de-riom-le-28-janvier-2026-n25-00803\/"},"modified":"2026-04-28T21:28:56","modified_gmt":"2026-04-28T19:28:56","slug":"cour-dappel-de-riom-le-28-janvier-2026-n25-00803","status":"publish","type":"post","link":"https:\/\/kohenavocats.com\/en\/cour-dappel-de-riom-le-28-janvier-2026-n25-00803\/","title":{"rendered":"Cour d’appel de Riom, le 28 janvier 2026, n\u00b025\/00803"},"content":{"rendered":"
\n

La cour d’appel de Riom, dans un arr\u00eat du 28 janvier 2026, se prononce sur le recours d’un couple de d\u00e9biteurs contestant les mesures de surendettement impos\u00e9es par la commission.<\/p>\n

Les \u00e9poux, s\u00e9par\u00e9s mais non divorc\u00e9s, avaient saisi la commission, qui avait fix\u00e9 une mensualit\u00e9 de remboursement de 2 185,03 euros.
\nLe juge des contentieux de la protection avait confirm\u00e9 ces mesures, et l’appel a \u00e9t\u00e9 interjet\u00e9 par l’\u00e9poux seul \u00e0 l’audience.
\nLa question de droit portait sur la possibilit\u00e9 de modifier les mesures impos\u00e9es en raison de la s\u00e9paration du couple.
\nLa cour confirme le jugement et rejette la demande de r\u00e9vision des mensualit\u00e9s.<\/p>\n

I. L’impossibilit\u00e9 de disjoindre la situation des d\u00e9biteurs en l’absence de preuves<\/p>\n

La cour constate que les appelants n’ont pas d\u00e9pos\u00e9 de nouveaux dossiers individuels de surendettement.
\nElle rappelle qu’ “il appartient \u00e0 M. [C] et \u00e0 Mme [C] de d\u00e9poser chacun un nouveau dossier de surendettement afin de tenir compte de l’\u00e9volution de la situation” (Motifs).
\nLa cour souligne son impuissance \u00e0 op\u00e9rer une disjonction des dettes sans \u00e9l\u00e9ments suffisants pour les qualifier.<\/p>\n

Le sens de cette d\u00e9cision est de maintenir la solidarit\u00e9 l\u00e9gale des d\u00e9biteurs tant qu’une proc\u00e9dure individuelle n’est pas engag\u00e9e.
\nLa valeur de l’arr\u00eat r\u00e9side dans le rappel du formalisme proc\u00e9dural n\u00e9cessaire \u00e0 la prise en compte d’une s\u00e9paration.
\nLa port\u00e9e de ce point est pratique : la simple s\u00e9paration de fait ne suffit pas \u00e0 modifier le plan collectif.<\/p>\n

II. L’absence de modification des ressources et des charges justifiant le maintien des mensualit\u00e9s<\/p>\n

La cour rel\u00e8ve qu’aucun justificatif de la modification des charges, comme un nouveau bail, n’a \u00e9t\u00e9 fourni.
\nElle reprend le raisonnement du premier juge, estimant que la capacit\u00e9 de remboursement reste identique \u00e0 celle fix\u00e9e par la commission.
\nLa solution est donc de confirmer la mensualit\u00e9 de 2 198,03 euros comme adapt\u00e9e \u00e0 la situation globale des \u00e9poux.<\/p>\n

Le sens de cette confirmation est de privil\u00e9gier la stabilit\u00e9 des mesures impos\u00e9es face \u00e0 des all\u00e9gations non \u00e9tay\u00e9es.
\nLa valeur de l’arr\u00eat est de sanctionner le d\u00e9faut de preuve de la part de l’appelant qui conteste les mesures.
\nLa port\u00e9e de ce point est d’inciter les d\u00e9biteurs s\u00e9par\u00e9s \u00e0 r\u00e9gulariser leur situation administrative avant toute contestation.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

La cour d’appel de Riom, dans un arr\u00eat du 28 janvier 2026, se prononce sur le recours d’un couple de d\u00e9biteurs contestant les mesures de surendettement impos…<\/p>\n","protected":false},"author":232070755,"featured_media":9522,"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":"697afa86cdc6046d470fe7fe","_kj_official_url":"https:\/\/www.courdecassation.fr\/decision\/697afa86cdc6046d470fe7fe","_kj_judilibre_id":"697afa86cdc6046d470fe7fe","_kj_jur":"Cour d'appel","_kj_lieu":"Riom","_kj_chambre":"Chambre Commerciale","_kj_rg":"25\/00803","_kj_date":"2026-01-28","_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[7597],"tags":[],"class_list":["post-737828","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-jurisprudence"],"yoast_head":"\nCour d'appel de Riom, le 28 janvier 2026, n\u00b025\/00803 - 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