{"id":662557,"date":"2026-04-23T19:46:55","date_gmt":"2026-04-23T17:46:55","guid":{"rendered":"https:\/\/kohenavocats.com\/tribunal-judiciaire-de-vannes-le-13-janvier-2026-n24-00545\/"},"modified":"2026-04-23T19:46:55","modified_gmt":"2026-04-23T17:46:55","slug":"tribunal-judiciaire-de-vannes-le-13-janvier-2026-n24-00545","status":"publish","type":"post","link":"https:\/\/kohenavocats.com\/tr\/tribunal-judiciaire-de-vannes-le-13-janvier-2026-n24-00545\/","title":{"rendered":"Tribunal judiciaire de Vannes, le 13 janvier 2026, n\u00b024\/00545"},"content":{"rendered":"
\n

Le juge des contentieux de la protection, statuant en premier ressort, a rendu une d\u00e9cision le 13 janvier 2026. Un d\u00e9biteur avait form\u00e9 un recours contre les mesures impos\u00e9es par une commission de surendettement. La juridiction a d\u00e9clar\u00e9 ce recours recevable mais a ensuite prononc\u00e9 la d\u00e9ch\u00e9ance de la proc\u00e9dure. Elle a estim\u00e9 que le d\u00e9biteur avait manqu\u00e9 \u00e0 son obligation de bonne foi en disposant de son \u00e9pargne retraite.<\/p>\n

La recevabilit\u00e9 du recours et le pouvoir d’office du juge<\/p>\n

Le juge a d’abord v\u00e9rifi\u00e9 la recevabilit\u00e9 formelle du recours introduit par le d\u00e9biteur. Le d\u00e9lai de trente jours pour contester les mesures impos\u00e9es par la commission avait \u00e9t\u00e9 respect\u00e9. Cette \u00e9tape pr\u00e9alable est essentielle pour assurer la s\u00e9curit\u00e9 juridique de la proc\u00e9dure. Le juge a ensuite rappel\u00e9 l’\u00e9tendue de ses pouvoirs d’instruction et de contr\u00f4le dans ce contentieux sp\u00e9cialis\u00e9.<\/p>\n

Il peut notamment v\u00e9rifier la validit\u00e9 des cr\u00e9ances et appr\u00e9cier la situation du d\u00e9biteur. “Nonobstant toute disposition contraire, le juge peut obtenir communication de tout renseignement lui permettant d\u2019appr\u00e9cier la situation du d\u00e9biteur et l\u2019\u00e9volution possible de celle-ci” (Motifs). Ce pouvoir d’investigation large est crucial pour un examen complet du dossier. Il permet de s’assurer que les conditions d’acc\u00e8s \u00e0 la proc\u00e9dure de surendettement sont bien remplies.<\/p>\n

La caract\u00e9risation de la mauvaise foi entra\u00eenant la d\u00e9ch\u00e9ance<\/p>\n

Le c\u0153ur de la d\u00e9cision r\u00e9side dans l’appr\u00e9ciation du comportement du d\u00e9biteur post\u00e9rieurement \u00e0 la notification des mesures. La commission avait subordonn\u00e9 le plan de r\u00e9\u00e9chelonnement au d\u00e9blocage d’une \u00e9pargne retraite. Le d\u00e9biteur a pourtant retir\u00e9 ces fonds sans autorisation pour des d\u00e9penses personnelles. Il a notamment aid\u00e9 financi\u00e8rement un membre de sa famille et achet\u00e9 un \u00e9quipement domestique.<\/p>\n

Le juge a relev\u00e9 que le d\u00e9biteur agissait avec la volont\u00e9 de se soustraire \u00e0 ses obligations. “M. [M], sans l’accord de ses cr\u00e9anciers, de la commission ou du juge, a sciemment dispos\u00e9 d\u2019une partie de son patrimoine” (Motifs). Ce comportement actif caract\u00e9rise l’intention frauduleuse n\u00e9cessaire \u00e0 la d\u00e9ch\u00e9ance. La jurisprudence rappelle que l’aggravation volontaire de l’insolvabilit\u00e9 est constitutive d’une fraude.<\/p>\n

“Le b\u00e9n\u00e9fice des mesures de redressement peut \u00eatre refus\u00e9 au d\u00e9biteur qui en fraude des droits de ses cr\u00e9anciers, a organis\u00e9 ou aggrav\u00e9 son insolvabilit\u00e9” (Tribunal judiciaire, le 13 janvier 2026, n\u00b025\/00070). La d\u00e9cision comment\u00e9e s’inscrit dans cette ligne en sanctionnant un acte de disposition non autoris\u00e9. Le d\u00e9biteur a ainsi perdu le b\u00e9n\u00e9fice protecteur de la proc\u00e9dure de surendettement pour avoir m\u00e9connu son devoir de loyaut\u00e9.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Le juge des contentieux de la protection, statuant en premier ressort, a rendu une d\u00e9cision le 13 janvier 2026. 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