Whatever the nature of your debts, a first tip: Immediately contact your creditors, that is to say, persons or institutions to which you owe money and explain your situation. Do not react will not help matters! Your situation may worsen because of the extra charge will be added to your current debts..

Before initiating proceedings, the creditor may obtain court permission to proceed to an attachment, that is to say an input which disables the debtor’s assets to safeguard the interest of the creditor. The debtor retains ownership of the property but can not dispose freely. The attachment may include personal property, real estate show to a bank account.

Attachment of earnings or income replacement, the creditor may apply to your employer or institution that you indemnify and distrain. There are limits, however. The amount varies according to seize the amount and type of income that you enjoy, and depending on the number of dependent children. Certain benefits and certain income can not be subject to seizure.