{"id":654387,"date":"2026-04-23T03:24:54","date_gmt":"2026-04-23T01:24:54","guid":{"rendered":"https:\/\/kohenavocats.com\/tribunal-judiciaire-de-tulle-le-18-mars-2025-n25-00017\/"},"modified":"2026-04-23T03:24:54","modified_gmt":"2026-04-23T01:24:54","slug":"tribunal-judiciaire-de-tulle-le-18-mars-2025-n25-00017","status":"publish","type":"post","link":"https:\/\/kohenavocats.com\/ru\/tribunal-judiciaire-de-tulle-le-18-mars-2025-n25-00017\/","title":{"rendered":"Tribunal judiciaire de Tulle, le 18 mars 2025, n\u00b025\/00017"},"content":{"rendered":"
\n

Le juge des contentieux de la protection, statuant le 18 mars 2025, examine un recours form\u00e9 contre une d\u00e9cision de commission de surendettement. Cette derni\u00e8re avait envisag\u00e9 un r\u00e9tablissement personnel sans liquidation judiciaire pour un d\u00e9biteur, m\u00e9canicien automobile, dont l’endettement s’\u00e9l\u00e8ve \u00e0 pr\u00e8s de dix-huit mille euros. Le juge doit d\u00e9terminer si la situation de l’int\u00e9ress\u00e9 est irr\u00e9m\u00e9diablement compromise au sens l\u00e9gal. Il \u00e9carte finalement cette qualification et renvoie le dossier \u00e0 la commission pour la mise en \u0153uvre d’autres mesures.<\/p>\n

La caract\u00e9risation d’une situation irr\u00e9m\u00e9diablement compromise<\/p>\n

Le juge rappelle les conditions strictes du r\u00e9tablissement personnel sans liquidation. Ce dispositif subsidiaire n\u00e9cessite l’impossibilit\u00e9 manifeste de mettre en \u0153uvre toute autre mesure de traitement. «La proc\u00e9dure de r\u00e9tablissement personnel pr\u00e9sente un caract\u00e8re subsidiaire, par l\u2019impossibilit\u00e9 manifeste de mettre en \u0153uvre aucune autre mesure de traitement du surendettement.» (Motifs) Le juge souligne ainsi le caract\u00e8re exceptionnel de cette proc\u00e9dure, r\u00e9serv\u00e9e aux cas les plus d\u00e9sesp\u00e9r\u00e9s o\u00f9 les solutions conventionnelles ou impos\u00e9es sont inenvisageables.<\/p>\n

L’analyse concr\u00e8te de la situation du d\u00e9biteur d\u00e9ment cette impossibilit\u00e9. Le magistrat rel\u00e8ve son insertion professionnelle et ses comp\u00e9tences. «Il n\u2019est aucunement d\u00e9montr\u00e9 une incompatibilit\u00e9 avec les exigences du march\u00e9 du travail ainsi qu\u2019une impossibilit\u00e9 \u00e0 se procurer des revenus suppl\u00e9mentaires.» (Motifs) Cette appr\u00e9ciation in concreto permet de rejeter une vision purement arithm\u00e9tique de l’endettement. La jurisprudence confirme cette approche en exigeant une d\u00e9monstration positive de l’impossibilit\u00e9 des mesures de traitement. «La mise en oeuvre des mesures vis\u00e9es au premier alin\u00e9a de l’article L 724 du code de la consommation, et plus particuli\u00e8rement celle de l’article L 733-1 du code de la consommation est possible.» (Tribunal judiciaire de Versailles, le 14 avril 2025, n\u00b024\/00108)<\/p>\n

La r\u00e9orientation vers les mesures de traitement du surendettement<\/p>\n

Le juge identifie pr\u00e9cis\u00e9ment une mesure adapt\u00e9e \u00e0 la situation personnelle du d\u00e9biteur. Il retient notamment l’\u00e9ligibilit\u00e9 \u00e0 une suspension temporaire des poursuites. «Monsieur [S] [V] qui n\u2019a encore b\u00e9n\u00e9fici\u00e9 d\u2019aucune mesure en mati\u00e8re de surendettement, est \u00e9ligible notamment \u00e0 une suspension d’exigibilit\u00e9 des cr\u00e9ances d’une dur\u00e9e maximum de 24 mois en application de l’article L. 733-1 4\u00b0 du code de la consommation.» (Motifs) Cette suspension permettrait une stabilisation, justifi\u00e9e par des difficult\u00e9s personnelles pass\u00e9es \u00e9voqu\u00e9es par le d\u00e9biteur. Le prononc\u00e9 d’un r\u00e9tablissement personnel serait donc pr\u00e9matur\u00e9.<\/p>\n

La d\u00e9cision ordonne en cons\u00e9quence un renvoi \u00e0 la commission pour mise en \u0153uvre. «Il convient de dire n\u2019y avoir lieu au prononc\u00e9 d\u2019une mesure de r\u00e9tablissement personnel et de renvoyer le dossier \u00e0 la Commission de surendettement.» (Motifs) Ce renvoi s’accompagne d’une injonction \u00e0 mettre \u00e0 jour les \u00e9l\u00e9ments du dossier. Il vise \u00e0 permettre l’application d’un plan conventionnel ou de mesures impos\u00e9es, offrant une perspective r\u00e9aliste de redressement. Cette solution pr\u00e9serve l’\u00e9quilibre entre l’apurement des dettes et la protection du d\u00e9biteur de bonne foi, en privil\u00e9giant une solution restorative plut\u00f4t que liquidative.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Le juge des contentieux de la protection, statuant le 18 mars 2025, examine un recours form\u00e9 contre une d\u00e9cision de commission de surendettement. 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