{"id":775982,"date":"2026-04-30T08:40:40","date_gmt":"2026-04-30T06:40:40","guid":{"rendered":"https:\/\/kohenavocats.com\/tribunal-judiciaire-de-versailles-le-5-janvier-2026-n25-00187\/"},"modified":"2026-04-30T08:40:40","modified_gmt":"2026-04-30T06:40:40","slug":"tribunal-judiciaire-de-versailles-le-5-janvier-2026-n25-00187","status":"publish","type":"post","link":"https:\/\/kohenavocats.com\/ru\/tribunal-judiciaire-de-versailles-le-5-janvier-2026-n25-00187\/","title":{"rendered":"Tribunal judiciaire de Versailles, le 5 janvier 2026, n\u00b025\/00187"},"content":{"rendered":"
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Le Tribunal judiciaire de Versailles, dans un jugement du 5 janvier 2026, a \u00e9t\u00e9 saisi d\u2019une contestation par un cr\u00e9ancier bailleur contre un r\u00e9tablissement personnel sans liquidation judiciaire impos\u00e9 par la commission de surendettement. La d\u00e9bitrice, non comparante et dont la convocation est revenue avec la mention \u00ab destinataire inconnu \u00e0 l\u2019adresse \u00bb, n\u2019a pas fourni d\u2019\u00e9l\u00e9ments actualis\u00e9s sur sa situation. Le cr\u00e9ancier invoquait la mauvaise foi de la d\u00e9bitrice et l\u2019absence de caract\u00e8re irr\u00e9m\u00e9diablement compromis de sa situation. Le juge a rejet\u00e9 l\u2019exception de mauvaise foi et a renvoy\u00e9 le dossier \u00e0 la commission, estimant que la situation n\u2019\u00e9tait pas irr\u00e9m\u00e9diablement compromise.<\/p>\n

I. La pr\u00e9somption de bonne foi maintenue en l\u2019absence de preuve contraire<\/p>\n

Le juge rappelle que la bonne foi se pr\u00e9sume et que son absence doit \u00eatre \u00e9tablie par des \u00e9l\u00e9ments pr\u00e9cis en lien direct avec le surendettement. La simple circonstance que la d\u00e9bitrice n\u2019ait pas r\u00e9gl\u00e9 ses loyers pendant de nombreux mois, alors qu\u2019elle disposait de revenus tr\u00e8s faibles, ne suffit pas \u00e0 caract\u00e9riser une intention frauduleuse. En l\u2019esp\u00e8ce, le cr\u00e9ancier n\u2019a vers\u00e9 aucune pi\u00e8ce d\u00e9montrant une volont\u00e9 d\u2019aggraver l\u2019endettement ou une organisation de l\u2019insolvabilit\u00e9. La d\u00e9cision rejette donc la demande tendant \u00e0 d\u00e9clarer la d\u00e9bitrice irrecevable pour d\u00e9faut de bonne foi. La solution confirme que l\u2019imp\u00e9cuniosit\u00e9, m\u00eame prolong\u00e9e, n\u2019\u00e9quivaut pas \u00e0 une fraude. Elle s\u2019inscrit dans une protection des d\u00e9biteurs de bonne foi, conform\u00e9ment \u00e0 l\u2019esprit des textes.<\/p>\n

II. L\u2019absence de caract\u00e8re irr\u00e9m\u00e9diablement compromis justifiant un renvoi \u00e0 la commission<\/p>\n

Le juge constate que la d\u00e9bitrice ne comparait pas et ne fournit aucun justificatif, rendant impossible la fixation de sa capacit\u00e9 de remboursement. Il rel\u00e8ve qu\u2019elle est encore \u00e9ligible \u00e0 une suspension d\u2019exigibilit\u00e9 des cr\u00e9ances de vingt-quatre mois. En l\u2019absence d\u2019\u00e9l\u00e9ments d\u00e9montrant une impossibilit\u00e9 manifeste de mettre en \u0153uvre des mesures alternatives, la situation ne peut \u00eatre qualifi\u00e9e d\u2019irr\u00e9m\u00e9diablement compromise. Le juge renvoie donc le dossier \u00e0 la commission pour mise \u00e0 jour et mise en \u0153uvre des mesures pr\u00e9vues aux articles L. 732-1 et suivants du code de la consommation. Cette port\u00e9e pratique \u00e9vite un effacement pr\u00e9matur\u00e9 des dettes et pr\u00e9serve les droits des cr\u00e9anciers. La solution rappelle le caract\u00e8re subsidiaire et exceptionnel du r\u00e9tablissement personnel sans liquidation judiciaire.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Le Tribunal judiciaire de Versailles, dans un jugement du 5 janvier 2026, a \u00e9t\u00e9 saisi d\u2019une contestation par un cr\u00e9ancier bailleur contre un r\u00e9tablissement p…<\/p>\n","protected":false},"author":232070755,"featured_media":4819,"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":"695d66a075782d5f060086a9","_kj_official_url":"https:\/\/www.courdecassation.fr\/decision\/695d66a075782d5f060086a9","_kj_judilibre_id":"695d66a075782d5f060086a9","_kj_jur":"Tribunal judiciaire","_kj_lieu":"Versailles","_kj_chambre":"TPX VER SUREND CTX","_kj_rg":"25\/00187","_kj_date":"2026-01-05","_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[7597],"tags":[],"class_list":["post-775982","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-jurisprudence"],"yoast_head":"\nTribunal judiciaire de Versailles, le 5 janvier 2026, n\u00b025\/00187 - 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