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Le reste est annul\\u00e9 pour 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% d'int\\u00e9r\\u00eat\"}],\"outroText\":\"\u003Cp>Il peut \\u00eatre p\\u00e9nible de parler de tes dettes, mais nous te proposons une consultation gratuite, sans engagement et tout \\u00e0 fait confidentielle.\u003C\\\u002Fp>\\n\",\"button\":{\"title\":\"R\\u00e9serve ta consultation GRATUITE\",\"url\":\"#consultation-form\",\"target\":\"\"},\"anchorId\":\"\",\"backgroundColor\":\"bg-white\",\"padding\":[\"bottom-padding\"],\"iconSize\":\"96\",\"iconAlignment\":\"middle\"},{\"fieldGroupName\":\"DebtPaymentCalculator\",\"introduction\":{\"heading\":\"En r\\u00e9alit\\u00e9, plusieurs solutions s\\u2019offrent \\u00e0 toi.\",\"headingLevel\":\"h2\",\"text\":\"\u003Cp>D\\u00e9place le curseur jusqu’au montant de ta dette et nous te montrerons combien tu peux \\u00e9conomiser en cinq ans et chaque mois.\u003C\\\u002Fp>\\n\u003Cp>\\u00c9vite la faillite gr\\u00e2ce \\u00e0 une proposition de consommateur. 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\\u00e0 r\\u00e9duire tes dettes et \\u00e0 soulager ton stress.\"}],\"showArrows\":true,\"anchorId\":\"\"}]},{\"fieldGroupName\":\"ReviewSliderManualEntry\",\"reviews\":[{\"url\":\"https:\\\u002F\\\u002Fwww.trustpilot.com\\\u002Freviews\\\u002F650658b2fad7d6469470c59d\",\"stars\":\"5\",\"text\":\"\\u201cLe processus de faire appel \\u00e0 un syndic de faillite m\\u2019inqui\\u00e9tait beaucoup, mais je suis absolument convaincue que c\\u2019\\u00e9tait la meilleure d\\u00e9cision pour moi et je suis ravie de ce nouveau d\\u00e9part ! C\\u2019\\u00e9tait une exp\\u00e9rience formidable et je le recommande \\u00e0 tous ! \\ud83d\\ude0a\\u201d\",\"name\":\"\\u2013 Kelley C.\"},{\"url\":\"https:\\\u002F\\\u002Fwww.trustpilot.com\\\u002Freviews\\\u002F62e28a8c4c35e69ec51c6bd0\",\"stars\":\"5\",\"text\":\"\\u201cMon exp\\u00e9rience avec Farber a \\u00e9t\\u00e9 tout simplement id\\u00e9ale. Au d\\u00e9but, j\\u2019h\\u00e9sitais et j\\u2019\\u00e9tais un peu nerveuse, car je ne savais pas \\u00e0 quoi m\\u2019attendre et je n\\u2019avais jamais utilis\\u00e9 les services d\\u2019un syndic de faillites auparavant. Cet appel \\u00e0 Farber a \\u00e9t\\u00e9 l\\u2019une des choses les plus simples que j\\u2019aie jamais faites de ma vie. Ils t\\u2019accompagnent \\u00e0 chaque \\u00e9tape, et m\\u00eame apr\\u00e8s !\\u201d \",\"name\":\"\\u2013 Noelle\"},{\"url\":\"https:\\\u002F\\\u002Fwww.trustpilot.com\\\u002Freviews\\\u002F6489f97d706f837cb1febf4a\",\"stars\":\"5\",\"text\":\"\\u201cSi tu es stress\\u00e9 et inquiet de l\\u2019int\\u00e9r\\u00eat croissant sur tes dettes, prends rendez-vous pour une consultation t\\u00e9l\\u00e9phonique ! En deux semaines, ma proposition de consommateur \\u00e9tait accept\\u00e9e et j\\u2019ai ressenti un SOULAGEMENT INSTANTAN\\u00c9. Je n\\u2019avais pas eu autant d\\u2019espoir pour ma sant\\u00e9 financi\\u00e8re depuis longtemps et c\\u2019est lib\\u00e9rateur ! Honn\\u00eatement, je pourrais parler de Christine toute la journ\\u00e9e, car je ne la remercierai jamais assez pour sa gentillesse et son aide pr\\u00e9cieuse !\\u201d\",\"name\":\"\\u2013 M.T.\"}],\"showTrustpilotSummaryLink\":true,\"anchorId\":\"\",\"backgroundColor\":\"bg-teal-lightest\",\"padding\":[\"top-padding\",\"bottom-padding\"]},{\"fieldGroupName\":\"TextEditor\",\"supertitle\":\"\",\"heading\":\"\",\"textAlignment\":\"center\",\"wysiwygEditor\":\"\u003Ch2 style=\\\"text-align: center;\\\">C\\u2019est toi notre priorit\\u00e9. Pas tes dettes.\u003C\\\u002Fh2>\\n\u003Cp style=\\\"text-align: center;\\\">Il est normal de se sentir accabl\\u00e9 par les dettes. Nous sommes l\\u00e0 pour t\\u2019aider \\u00e0 les surmonter.\u003C\\\u002Fp>\\n\u003Ch3>Nous croyons que tout le monde peut r\\u00e9ussir.\u003C\\\u002Fh3>\\n\u003Cp>Forts de nos plus de 45 ans d’exp\\u00e9rience en all\\u00e9gement de la dette au Canada, nous avons aid\\u00e9 plus de 200 000 personnes comme toi \\u00e0 am\\u00e9liorer leur relation avec l’argent.\u003C\\\u002Fp>\\n\u003Cp>Voici les types de dettes que nous prenons en charge :\u003C\\\u002Fp>\\n\u003Cul>\\n\u003Cli>Dettes de carte de cr\\u00e9dit\u003C\\\u002Fli>\\n\u003Cli>Dettes fiscales\u003C\\\u002Fli>\\n\u003Cli>Pr\\u00eats \\u00e9tudiants\u003C\\\u002Fli>\\n\u003Cli>Pr\\u00eats personnels\u003C\\\u002Fli>\\n\u003Cli>Marges de cr\\u00e9dit\u003C\\\u002Fli>\\n\u003Cli>Pr\\u00eats sur salaire\u003C\\\u002Fli>\\n\u003C\\\u002Ful>\\n\u003Cp>Nos experts en dette de Farber t\\u2019aident \\u00e0 voir clair gr\\u00e2ce \\u00e0 une solution personnalis\\u00e9e, facile \\u00e0 suivre et qui te permet d’\\u00e9conomiser.\u003C\\\u002Fp>\\n\",\"anchorId\":\"\",\"padding\":[],\"width\":\"8\\\u002F12\",\"backgroundColor\":\"bg-white\",\"border\":false},{\"fieldGroupName\":\"FaqAccordion\",\"introduction\":{\"supertitle\":\"\",\"heading\":\"Foire aux questions\",\"text\":\"G\\u00e9rer sa dette, c\\u2019est pas \\u00e9vident. Nous sommes l\\u00e0 pour t\\u2019aider. \"},\"type\":\"faq\",\"accordions\":false,\"faqs\":[{\"ID\":5489,\"post_author\":\"6\",\"post_date\":\"2024-06-14 08:56:06\",\"post_date_gmt\":\"2024-06-14 12:56:06\",\"post_content\":\"La plupart des gens ont des dettes, g\\u00e9n\\u00e9ralement sous forme d'hypoth\\u00e8que, de pr\\u00eat automobile ou de marge de cr\\u00e9dit. Mais comment savoir si elles sont trop \\u00e9lev\\u00e9es ? Voici quelques fa\\u00e7ons de savoir si vous avez trop de dettes.\\r\\n\u003Cul>\\r\\n \\t\u003Cli>Vous ne pouvez pas payer vos d\\u00e9penses mensuelles sans vous servir d\\u2019une carte\\\u002Fligne de cr\\u00e9dit\u003C\\\u002Fli>\\r\\n \\t\u003Cli>Vous ne payez que le paiement minimum chaque mois\u003C\\\u002Fli>\\r\\n \\t\u003Cli>Vous devez emprunter davantage pour d\\u00e9frayer vos d\\u00e9penses mensuelles\u003C\\\u002Fli>\\r\\n \\t\u003Cli>Vous recevez des appels des cr\\u00e9anciers\u003C\\\u002Fli>\\r\\n \\t\u003Cli>Vous manquez des paiements\u003C\\\u002Fli>\\r\\n \\t\u003Cli>Vous ne savez pas au juste combien vous devez\u003C\\\u002Fli>\\r\\n \\t\u003Cli>Vous comptez souvent sur la protection contre les d\\u00e9couverts de votre compte bancaire\u003C\\\u002Fli>\\r\\n \\t\u003Cli>Vous vous sentez stress\\u00e9 ou inquiet au sujet de vos dettes\u003C\\\u002Fli>\\r\\n \\t\u003Cli>Vous cachez vos dettes ou vos d\\u00e9penses\u003C\\\u002Fli>\\r\\n\u003C\\\u002Ful>\",\"post_title\":\"Comment savoir si vous \\u00eates trop endett\\u00e9 ?\",\"post_excerpt\":\"\",\"post_status\":\"publish\",\"comment_status\":\"closed\",\"ping_status\":\"closed\",\"post_password\":\"\",\"post_name\":\"how-do-you-know-if-you-have-too-much-debt\",\"to_ping\":\"\",\"pinged\":\"\",\"post_modified\":\"2025-12-01 14:58:11\",\"post_modified_gmt\":\"2025-12-01 19:58:11\",\"post_content_filtered\":\"\",\"post_parent\":0,\"guid\":\"https:\\\u002F\\\u002Fhync25uo0rocs6jyee4xnsfbp.js.wpenginepowered.com\\\u002F?faq=how-do-you-know-if-you-have-too-much-debt\",\"menu_order\":0,\"post_type\":\"faq\",\"post_mime_type\":\"\",\"comment_count\":\"0\",\"filter\":\"raw\"},{\"ID\":5486,\"post_author\":\"6\",\"post_date\":\"2024-06-21 14:45:20\",\"post_date_gmt\":\"2024-06-21 18:45:20\",\"post_content\":\"Il peut \\u00eatre intimidant de faire le premier pas vers la ma\\u00eetrise de vos dettes. En partageant vos inqui\\u00e9tudes avec un expert en dette, vous b\\u00e9n\\u00e9ficierez de conseils bienveillants et sans jugement qui vous aideront \\u00e0 prendre des d\\u00e9cisions financi\\u00e8res \\u00e9clair\\u00e9es. Voici quelques autres avantages :\\r\\n\u003Cul>\\r\\n \\t\u003Cli>Votre consultation est enti\\u00e8rement gratuite\u003C\\\u002Fli>\\r\\n \\t\u003Cli>Vous ne ressentirez aucune pression ou obligation\u003C\\\u002Fli>\\r\\n \\t\u003Cli>Dans un espace confidentiel et confortable\u003C\\\u002Fli>\\r\\n \\t\u003Cli>Explorez toutes les solutions disponibles\u003C\\\u002Fli>\\r\\n \\t\u003Cli>Vous serez soulag\\u00e9 du stress et de l'anxi\\u00e9t\\u00e9 en sachant qu'une solution est \\u00e0 port\\u00e9e de main\u003C\\\u002Fli>\\r\\n\u003C\\\u002Ful>\",\"post_title\":\"Quels sont les avantages d'une consultation gratuite ?\",\"post_excerpt\":\"\",\"post_status\":\"publish\",\"comment_status\":\"closed\",\"ping_status\":\"closed\",\"post_password\":\"\",\"post_name\":\"what-are-the-benefits-of-a-free-consultation\",\"to_ping\":\"\",\"pinged\":\"\",\"post_modified\":\"2025-12-01 14:54:52\",\"post_modified_gmt\":\"2025-12-01 19:54:52\",\"post_content_filtered\":\"\",\"post_parent\":0,\"guid\":\"https:\\\u002F\\\u002Fhync25uo0rocs6jyee4xnsfbp.js.wpenginepowered.com\\\u002F?faq=what-are-the-benefits-of-a-free-consultation\",\"menu_order\":0,\"post_type\":\"faq\",\"post_mime_type\":\"\",\"comment_count\":\"0\",\"filter\":\"raw\"},{\"ID\":5431,\"post_author\":\"6\",\"post_date\":\"2024-06-13 15:53:17\",\"post_date_gmt\":\"2024-06-13 19:53:17\",\"post_content\":\"D\\u00e9poser une proposition de consommateur n'affectera pas votre cote cr\\u00e9dit pour toujours. Il est vrai que votre cote de cr\\u00e9dit sera affect\\u00e9e, mais celle-ci est souvent d\\u00e9j\\u00e0 affect\\u00e9e par des paiements manqu\\u00e9s ou en retard. Parfois les gens effectuent des paiements minimums depuis un certain temps, ce qui contribue \\u00e0 maintenir un bon score de cr\\u00e9dit.\\r\\n\\r\\nIl est avantageux de r\\u00e9gler vos dettes \\u00e0 long terme par le biais d'une proposition de consommateur, m\\u00eame si \\u00e7a peut prendre du temps. Une proposition de consommateur vous aide \\u00e0 r\\u00e9tablir votre situation financi\\u00e8re. En mettant fin au cycle des paiements minimums, vous pouvez atteindre une nouvelle cote cr\\u00e9dit de mani\\u00e8re responsable. Les deux s\\u00e9ances obligatoires de conseils financiers vous permettent d'acqu\\u00e9rir de pr\\u00e9cieuses comp\\u00e9tences en gestion financi\\u00e8re et budg\\u00e9taire, vous aidant ainsi \\u00e0 g\\u00e9rer vos finances et \\u00e0 reconstruire votre cote de cr\\u00e9dit.\",\"post_title\":\"Comment la proposition de consommateur affectera-t-elle ma cote cr\\u00e9dit?\",\"post_excerpt\":\"\",\"post_status\":\"publish\",\"comment_status\":\"closed\",\"ping_status\":\"closed\",\"post_password\":\"\",\"post_name\":\"comment-la-proposition-de-consommateur-affectera-t-elle-ma-cote-credit\",\"to_ping\":\"\",\"pinged\":\"\",\"post_modified\":\"2025-12-01 13:13:03\",\"post_modified_gmt\":\"2025-12-01 18:13:03\",\"post_content_filtered\":\"\",\"post_parent\":0,\"guid\":\"\\\u002F?post_type=faq&p=5431\",\"menu_order\":0,\"post_type\":\"faq\",\"post_mime_type\":\"\",\"comment_count\":\"0\",\"filter\":\"raw\"},{\"ID\":5434,\"post_author\":\"6\",\"post_date\":\"2024-06-13 15:53:43\",\"post_date_gmt\":\"2024-06-13 19:53:43\",\"post_content\":\"Une proposition de consommateur r\\u00e9duit consid\\u00e9rablement la plupart de vos dettes non garanties, notamment :\\r\\n\u003Cul>\\r\\n \\t\u003Cli>Dette de carte de cr\\u00e9dit\u003C\\\u002Fli>\\r\\n \\t\u003Cli>Dette fiscale\u003C\\\u002Fli>\\r\\n \\t\u003Cli>Pr\\u00eats \\u00e9tudiants (si 7 ans se sont \\u00e9coul\\u00e9s depuis vos \\u00e9tudes)\u003C\\\u002Fli>\\r\\n \\t\u003Cli>Pr\\u00eats personnels\u003C\\\u002Fli>\\r\\n \\t\u003Cli>Lignes de cr\\u00e9dit\u003C\\\u002Fli>\\r\\n \\t\u003Cli>Pr\\u00eats sur salaire\u003C\\\u002Fli>\\r\\n\u003C\\\u002Ful>\",\"post_title\":\"Quels genres de dettes puis-je inclure dans une proposition de consommateur ?\",\"post_excerpt\":\"\",\"post_status\":\"publish\",\"comment_status\":\"closed\",\"ping_status\":\"closed\",\"post_password\":\"\",\"post_name\":\"quels-genres-de-dettes-peuvent-etre-inscrites-dans-une-proposition-de-consommateur\",\"to_ping\":\"\",\"pinged\":\"\",\"post_modified\":\"2025-12-01 14:56:20\",\"post_modified_gmt\":\"2025-12-01 19:56:20\",\"post_content_filtered\":\"\",\"post_parent\":0,\"guid\":\"\\\u002F?post_type=faq&p=5434\",\"menu_order\":0,\"post_type\":\"faq\",\"post_mime_type\":\"\",\"comment_count\":\"0\",\"filter\":\"raw\"},{\"ID\":5428,\"post_author\":\"6\",\"post_date\":\"2024-06-13 15:54:24\",\"post_date_gmt\":\"2024-06-13 19:54:24\",\"post_content\":\"Non, vous ne pouvez pas d\\u00e9poser une proposition de consommateur vous-m\\u00eame. En vertu de la Loi sur la faillite et l'insolvabilit\\u00e9, seul un SAI peut d\\u00e9poser une proposition de consommateur au Canada. Une soci\\u00e9t\\u00e9 de consolidation de dettes ou un conseiller en cr\\u00e9dit ne peut pas non plus d\\u00e9poser une proposition.\\r\\n\\r\\nLes SAI sont agr\\u00e9\\u00e9s par le gouvernement et au courant des lois provinciales et f\\u00e9d\\u00e9rales. Ils sont tenus de d\\u00e9poser une proposition en bonne et due forme afin qu'elle soit juridiquement contraignante pour vous et vos cr\\u00e9anciers.\",\"post_title\":\"Est-ce que je peux moi-m\\u00eame d\\u00e9poser une proposition de consommateur ?\",\"post_excerpt\":\"\",\"post_status\":\"publish\",\"comment_status\":\"closed\",\"ping_status\":\"closed\",\"post_password\":\"\",\"post_name\":\"est-ce-que-je-peux-moi-meme-deposer-une-proposition-au-consommateur\",\"to_ping\":\"\",\"pinged\":\"\",\"post_modified\":\"2025-12-01 13:12:01\",\"post_modified_gmt\":\"2025-12-01 18:12:01\",\"post_content_filtered\":\"\",\"post_parent\":0,\"guid\":\"\\\u002F?post_type=faq&p=5428\",\"menu_order\":0,\"post_type\":\"faq\",\"post_mime_type\":\"\",\"comment_count\":\"0\",\"filter\":\"raw\"}],\"button\":{\"title\":\"More FAQs\",\"url\":\"\\\u002Ffr\\\u002Ffaq\\\u002F\",\"target\":\"\"},\"enableSeoSchema\":false,\"anchorId\":\"\"},{\"fieldGroupName\":\"GlobalBlock\",\"globalBlock\":5581,\"anchorId\":\"\",\"flexBlocks\":[{\"fieldGroupName\":\"CtasBanner\",\"heading\":\"T\\u2019es capable. On peut t\\u2019aider.\",\"text\":\"\u003Cp>Il est parfois difficile de parler des dettes. Nous savons que demander de l’aide est un premier pas difficile, mais nous nous engageons \\u00e0 t\\u2019aider \\u00e0 te d\\u00e9sendetter et \\u00e0 avoir la confiance n\\u00e9cessaire pour commencer.\u003C\\\u002Fp>\\n\",\"ctas\":[{\"button\":{\"title\":\"Commencer\",\"url\":\"#consultation-form\",\"target\":\"\"}}],\"anchorId\":\"\",\"buttonStyling\":\"right-arrow\",\"colorTheme\":\"teal\"}]}]",{"pageNavigation":13},"campaign",{"title":15,"fullHead":16,"metaRobotsNoindex":17,"metaRobotsNofollow":18},"Réduit ta datte grâce à une proposition de consommateur","\u003C!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\u002F\u002Fyoast.com\u002Fproduct\u002Fyoast-seo-wordpress\u002F -->\n\u003Cmeta name=\"description\" content=\"Tu peux consolider et réduire ta dette grâce à une proposition de consommateur. Tu es assuré de ne payer qu'une partie de tes dettes. 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FR","closed","sem-form","2025-09-09 07:34:05","2025-09-09 11:34:05","\u002Fform-embeds\u002Fsem-form\u002F","form_embed","0","raw","bg-teal-lightest",{"fieldGroupName":91,"supertitle":36,"heading":36,"textAlignment":92,"wysiwygEditor":93,"anchorId":36,"padding":94,"width":96,"backgroundColor":97,"border":20},"TextEditor","center","\u003Cp class=\"large-paragraph\" style=\"text-align: center;\">Tout le monde n’en a pas entendu parler, mais la proposition de consommateur est une excellente solution d’allègement de la dette offerte par le gouvernement, qui peut réduire ou éliminer ta dette.\u003C\u002Fp>\n",[95],"top-padding","8\u002F12","bg-white",{"fieldGroupName":99,"image":100,"supertitleStyling":123,"supertitle":36,"badgeNumber":36,"heading":124,"text":125,"button":36,"anchorId":36,"backgroundColor":97,"imageContainer":126,"imageSize":127,"layout":128,"textAlignment":130,"bodyTextSize":132,"showArrowBelow":20,"spacing":133,"buttonStyling":134},"ImageTextBanner",{"iD":101,"id":101,"title":102,"filename":103,"filesize":104,"url":105,"link":106,"alt":36,"author":37,"description":36,"caption":36,"name":107,"status":39,"uploadedTo":108,"date":109,"modified":110,"menuOrder":42,"mimeType":43,"type":44,"subtype":45,"icon":46,"width":59,"height":111,"sizes":112,"relativeUrl":122},4964,"Consumer Proposal 2","Consumer-Proposal-2.png",223414,"https:\u002F\u002Fwww.farber.ca\u002Fwp-content\u002Fuploads\u002F2024\u002F06\u002FConsumer-Proposal-2.png","\u002Ffr\u002Fcampagne\u002Fcalc-de-paiements\u002Fconsumer-proposal-2-2\u002F","consumer-proposal-2-2",5594,"2024-06-27 14:56:45","2025-09-09 16:32:35",1074,{"thumbnail":113,"thumbnail-width":51,"thumbnail-height":51,"medium":114,"medium-width":115,"medium-height":53,"mediumLarge":116,"mediumLarge-width":56,"mediumLarge-height":117,"large":118,"large-width":119,"large-height":59,"1536x1536":105,"1536x1536-width":59,"1536x1536-height":111,"2048x2048":105,"2048x2048-width":59,"2048x2048-height":111,"gform-image-choice-sm":105,"gform-image-choice-sm-width":115,"gform-image-choice-sm-height":53,"gform-image-choice-md":105,"gform-image-choice-md-width":120,"gform-image-choice-md-height":64,"gform-image-choice-lg":105,"gform-image-choice-lg-width":121,"gform-image-choice-lg-height":66},"https:\u002F\u002Fwww.farber.ca\u002Fwp-content\u002Fuploads\u002F2024\u002F06\u002FConsumer-Proposal-2-150x150.png","https:\u002F\u002Fwww.farber.ca\u002Fwp-content\u002Fuploads\u002F2024\u002F06\u002FConsumer-Proposal-2-286x300.png",286,"https:\u002F\u002Fwww.farber.ca\u002Fwp-content\u002Fuploads\u002F2024\u002F06\u002FConsumer-Proposal-2-768x806.png",806,"https:\u002F\u002Fwww.farber.ca\u002Fwp-content\u002Fuploads\u002F2024\u002F06\u002FConsumer-Proposal-2-976x1024.png",976,381,572,"\u002Fwp-content\u002Fuploads\u002F2024\u002F06\u002FConsumer-Proposal-2.png","regular","L'une des meilleures solutions pour alléger tes dettes","\u003Cp>Une proposition de consommateur est une alternative aux conséquences de la faillite et, contrairement à un prêt de consolidation, elle réduit véritablement tes dettes. Tu es assuré de ne rembourser qu’une partie de tes dettes. Le reste est annulé pour toujours.\u003C\u002Fp>\n","contained","4\u002F12",{"desktop":129,"mobile":129},"imageContent",{"desktop":131,"mobile":92},"left","base",[],"light",{"fieldGroupName":136,"supertitle":36,"heading":36,"introText":36,"icons":137,"outroText":196,"button":197,"anchorId":36,"backgroundColor":97,"padding":200,"iconSize":202,"iconAlignment":203},"IconGrid",[138,156,170,183],{"icon":139,"heading":36,"text":155},{"iD":140,"id":140,"title":141,"filename":142,"filesize":143,"url":144,"link":145,"alt":36,"author":37,"description":36,"caption":36,"name":146,"status":39,"uploadedTo":147,"date":148,"modified":149,"menuOrder":42,"mimeType":150,"type":44,"subtype":151,"icon":46,"width":152,"height":152,"sizes":153,"relativeUrl":154},4955,"icons8-missed-call","icons8-missed-call.svg",1897,"https:\u002F\u002Fwww.farber.ca\u002Fwp-content\u002Fuploads\u002F2024\u002F06\u002Ficons8-missed-call.svg","\u002Ffr\u002Ffaillite\u002Ficons8-missed-call-2\u002F","icons8-missed-call-2",5420,"2024-06-24 15:00:14","2025-08-27 14:09:36","image\u002Fsvg+xml","svg+xml",96,{"thumbnail":144,"thumbnail-width":51,"thumbnail-height":51,"medium":144,"medium-width":53,"medium-height":53,"mediumLarge":144,"mediumLarge-width":56,"mediumLarge-height":56,"large":144,"large-width":59,"large-height":59,"1536x1536":144,"1536x1536-width":152,"1536x1536-height":152,"2048x2048":144,"2048x2048-width":152,"2048x2048-height":152,"gform-image-choice-sm":144,"gform-image-choice-sm-width":152,"gform-image-choice-sm-height":152,"gform-image-choice-md":144,"gform-image-choice-md-width":152,"gform-image-choice-md-height":152,"gform-image-choice-lg":144,"gform-image-choice-lg-width":152,"gform-image-choice-lg-height":152},"\u002Fwp-content\u002Fuploads\u002F2024\u002F06\u002Ficons8-missed-call.svg","Mets fin aux appels de recouvrement et poursuites des créanciers",{"icon":157,"heading":36,"text":169},{"iD":158,"id":158,"title":159,"filename":160,"filesize":161,"url":162,"link":163,"alt":36,"author":37,"description":36,"caption":36,"name":164,"status":39,"uploadedTo":165,"date":166,"modified":166,"menuOrder":42,"mimeType":150,"type":44,"subtype":151,"icon":46,"width":152,"height":152,"sizes":167,"relativeUrl":168},5202,"icons8-banknotes","icons8-banknotes.svg",2143,"https:\u002F\u002Fwww.farber.ca\u002Fwp-content\u002Fuploads\u002F2024\u002F07\u002Ficons8-banknotes.svg","\u002Ffr\u002Fcampagne\u002Ffaillite\u002Ficons8-banknotes-2\u002F","icons8-banknotes-2",5586,"2024-07-22 12:48:26",{"thumbnail":162,"thumbnail-width":51,"thumbnail-height":51,"medium":162,"medium-width":53,"medium-height":53,"mediumLarge":162,"mediumLarge-width":56,"mediumLarge-height":56,"large":162,"large-width":59,"large-height":59,"1536x1536":162,"1536x1536-width":152,"1536x1536-height":152,"2048x2048":162,"2048x2048-width":152,"2048x2048-height":152,"gform-image-choice-sm":162,"gform-image-choice-sm-width":152,"gform-image-choice-sm-height":152,"gform-image-choice-md":162,"gform-image-choice-md-width":152,"gform-image-choice-md-height":152,"gform-image-choice-lg":162,"gform-image-choice-lg-width":152,"gform-image-choice-lg-height":152},"\u002Fwp-content\u002Fuploads\u002F2024\u002F07\u002Ficons8-banknotes.svg","Nous négocions avec tes créanciers en ton nom",{"icon":171,"heading":36,"text":182},{"iD":172,"id":172,"title":173,"filename":174,"filesize":175,"url":176,"link":177,"alt":36,"author":37,"description":36,"caption":36,"name":178,"status":39,"uploadedTo":147,"date":179,"modified":149,"menuOrder":42,"mimeType":150,"type":44,"subtype":151,"icon":46,"width":152,"height":152,"sizes":180,"relativeUrl":181},4951,"icons8-realtime","icons8-realtime.svg",1464,"https:\u002F\u002Fwww.farber.ca\u002Fwp-content\u002Fuploads\u002F2024\u002F06\u002Ficons8-realtime.svg","\u002Ffr\u002Ffaillite\u002Ficons8-realtime-2\u002F","icons8-realtime-2","2024-06-24 15:00:07",{"thumbnail":176,"thumbnail-width":51,"thumbnail-height":51,"medium":176,"medium-width":53,"medium-height":53,"mediumLarge":176,"mediumLarge-width":56,"mediumLarge-height":56,"large":176,"large-width":59,"large-height":59,"1536x1536":176,"1536x1536-width":152,"1536x1536-height":152,"2048x2048":176,"2048x2048-width":152,"2048x2048-height":152,"gform-image-choice-sm":176,"gform-image-choice-sm-width":152,"gform-image-choice-sm-height":152,"gform-image-choice-md":176,"gform-image-choice-md-width":152,"gform-image-choice-md-height":152,"gform-image-choice-lg":176,"gform-image-choice-lg-width":152,"gform-image-choice-lg-height":152},"\u002Fwp-content\u002Fuploads\u002F2024\u002F06\u002Ficons8-realtime.svg","Tes paiements mensuels sont basés sur tes moyens",{"icon":184,"heading":36,"text":195},{"iD":185,"id":185,"title":186,"filename":187,"filesize":188,"url":189,"link":190,"alt":36,"author":37,"description":36,"caption":36,"name":191,"status":39,"uploadedTo":147,"date":192,"modified":149,"menuOrder":42,"mimeType":150,"type":44,"subtype":151,"icon":46,"width":152,"height":152,"sizes":193,"relativeUrl":194},4946,"icons8-cash-in-hand","icons8-cash-in-hand.svg",2344,"https:\u002F\u002Fwww.farber.ca\u002Fwp-content\u002Fuploads\u002F2024\u002F06\u002Ficons8-cash-in-hand.svg","\u002Ffr\u002Ffaillite\u002Ficons8-cash-in-hand-2\u002F","icons8-cash-in-hand-2","2024-06-24 14:59:57",{"thumbnail":189,"thumbnail-width":51,"thumbnail-height":51,"medium":189,"medium-width":53,"medium-height":53,"mediumLarge":189,"mediumLarge-width":56,"mediumLarge-height":56,"large":189,"large-width":59,"large-height":59,"1536x1536":189,"1536x1536-width":152,"1536x1536-height":152,"2048x2048":189,"2048x2048-width":152,"2048x2048-height":152,"gform-image-choice-sm":189,"gform-image-choice-sm-width":152,"gform-image-choice-sm-height":152,"gform-image-choice-md":189,"gform-image-choice-md-width":152,"gform-image-choice-md-height":152,"gform-image-choice-lg":189,"gform-image-choice-lg-width":152,"gform-image-choice-lg-height":152},"\u002Fwp-content\u002Fuploads\u002F2024\u002F06\u002Ficons8-cash-in-hand.svg","0 % d'intérêt","\u003Cp>Il peut être pénible de parler de tes dettes, mais nous te proposons une consultation gratuite, sans engagement et tout à fait confidentielle.\u003C\u002Fp>\n",{"title":198,"url":199,"target":36},"Réserve ta consultation GRATUITE","#consultation-form",[201],"bottom-padding","96","middle",{"fieldGroupName":205,"introduction":206,"anchorId":36,"backgroundColor":210,"padding":211},"DebtPaymentCalculator",{"heading":207,"headingLevel":208,"text":209,"button":36},"En réalité, plusieurs solutions s’offrent à toi.","h2","\u003Cp>Déplace le curseur jusqu’au montant de ta dette et nous te montrerons combien tu peux économiser en cinq ans et chaque mois.\u003C\u002Fp>\n\u003Cp>Évite la faillite grâce à une proposition de consommateur. Grâce à la proposition de consommateur, jusqu’à 80 % de ta dette sera réduite et annulée, et tu peux rembourser le solde mensuellement, selon tes moyens, sans intérêt, ni frais.\u003C\u002Fp>\n","bg-gold-lightest",[95,201],{"fieldGroupName":213,"globalBlock":214,"anchorId":36,"flexBlocks":215},"GlobalBlock",5551,[216],{"fieldGroupName":217,"introduction":218,"steps":221,"showArrows":275,"anchorId":36},"Steps",{"supertitle":36,"heading":219,"button":220},"Réserve ta consultation gratuite, confidentielle et sans engagement ; on s’occupe du reste.",{"title":198,"url":199,"target":36},[222,236,249,262],{"icon":223,"text":235},{"iD":224,"id":224,"title":225,"filename":226,"filesize":227,"url":228,"link":229,"alt":36,"author":37,"description":36,"caption":36,"name":230,"status":39,"uploadedTo":231,"date":232,"modified":232,"menuOrder":42,"mimeType":150,"type":44,"subtype":151,"icon":46,"width":152,"height":152,"sizes":233,"relativeUrl":234},4938,"icons8-connected-people","icons8-connected-people.svg",2023,"https:\u002F\u002Fwww.farber.ca\u002Fwp-content\u002Fuploads\u002F2024\u002F06\u002Ficons8-connected-people.svg","\u002Ffr\u002F?attachment_id=4938","icons8-connected-people-2",348,"2024-06-24 14:59:50",{"thumbnail":228,"thumbnail-width":51,"thumbnail-height":51,"medium":228,"medium-width":53,"medium-height":53,"mediumLarge":228,"mediumLarge-width":56,"mediumLarge-height":56,"large":228,"large-width":59,"large-height":59,"1536x1536":228,"1536x1536-width":152,"1536x1536-height":152,"2048x2048":228,"2048x2048-width":152,"2048x2048-height":152,"gform-image-choice-sm":228,"gform-image-choice-sm-width":152,"gform-image-choice-sm-height":152,"gform-image-choice-md":228,"gform-image-choice-md-width":152,"gform-image-choice-md-height":152,"gform-image-choice-lg":228,"gform-image-choice-lg-width":152,"gform-image-choice-lg-height":152},"\u002Fwp-content\u002Fuploads\u002F2024\u002F06\u002Ficons8-connected-people.svg","Raconte ton expérience à l'un de nos experts en dette.",{"icon":237,"text":248},{"iD":238,"id":238,"title":239,"filename":240,"filesize":241,"url":242,"link":243,"alt":36,"author":37,"description":36,"caption":36,"name":244,"status":39,"uploadedTo":231,"date":245,"modified":245,"menuOrder":42,"mimeType":150,"type":44,"subtype":151,"icon":46,"width":152,"height":152,"sizes":246,"relativeUrl":247},4936,"icons8-compare","icons8-compare.svg",2280,"https:\u002F\u002Fwww.farber.ca\u002Fwp-content\u002Fuploads\u002F2024\u002F06\u002Ficons8-compare.svg","\u002Ffr\u002F?attachment_id=4936","icons8-compare-2","2024-06-24 14:59:48",{"thumbnail":242,"thumbnail-width":51,"thumbnail-height":51,"medium":242,"medium-width":53,"medium-height":53,"mediumLarge":242,"mediumLarge-width":56,"mediumLarge-height":56,"large":242,"large-width":59,"large-height":59,"1536x1536":242,"1536x1536-width":152,"1536x1536-height":152,"2048x2048":242,"2048x2048-width":152,"2048x2048-height":152,"gform-image-choice-sm":242,"gform-image-choice-sm-width":152,"gform-image-choice-sm-height":152,"gform-image-choice-md":242,"gform-image-choice-md-width":152,"gform-image-choice-md-height":152,"gform-image-choice-lg":242,"gform-image-choice-lg-width":152,"gform-image-choice-lg-height":152},"\u002Fwp-content\u002Fuploads\u002F2024\u002F06\u002Ficons8-compare.svg","Examine tes options d'allègement de dettes avec lui  ou elle.",{"icon":250,"text":261},{"iD":251,"id":251,"title":252,"filename":253,"filesize":254,"url":255,"link":256,"alt":36,"author":37,"description":36,"caption":36,"name":257,"status":39,"uploadedTo":231,"date":258,"modified":258,"menuOrder":42,"mimeType":150,"type":44,"subtype":151,"icon":46,"width":152,"height":152,"sizes":259,"relativeUrl":260},4949,"icons8-timeline","icons8-timeline.svg",2591,"https:\u002F\u002Fwww.farber.ca\u002Fwp-content\u002Fuploads\u002F2024\u002F06\u002Ficons8-timeline.svg","\u002Ffr\u002F?attachment_id=4949","icons8-timeline-2","2024-06-24 15:00:03",{"thumbnail":255,"thumbnail-width":51,"thumbnail-height":51,"medium":255,"medium-width":53,"medium-height":53,"mediumLarge":255,"mediumLarge-width":56,"mediumLarge-height":56,"large":255,"large-width":59,"large-height":59,"1536x1536":255,"1536x1536-width":152,"1536x1536-height":152,"2048x2048":255,"2048x2048-width":152,"2048x2048-height":152,"gform-image-choice-sm":255,"gform-image-choice-sm-width":152,"gform-image-choice-sm-height":152,"gform-image-choice-md":255,"gform-image-choice-md-width":152,"gform-image-choice-md-height":152,"gform-image-choice-lg":255,"gform-image-choice-lg-width":152,"gform-image-choice-lg-height":152},"\u002Fwp-content\u002Fuploads\u002F2024\u002F06\u002Ficons8-timeline.svg","Prépare un plan pour reprendre le contrôle de ton argent.",{"icon":263,"text":274},{"iD":264,"id":264,"title":265,"filename":266,"filesize":267,"url":268,"link":269,"alt":36,"author":37,"description":36,"caption":36,"name":270,"status":39,"uploadedTo":231,"date":271,"modified":271,"menuOrder":42,"mimeType":150,"type":44,"subtype":151,"icon":46,"width":152,"height":152,"sizes":272,"relativeUrl":273},5196,"icons8-low-price","icons8-low-price.svg",1888,"https:\u002F\u002Fwww.farber.ca\u002Fwp-content\u002Fuploads\u002F2024\u002F06\u002Ficons8-low-price.svg","\u002Ffr\u002F?attachment_id=5196","icons8-low-price-2","2024-07-22 09:49:42",{"thumbnail":268,"thumbnail-width":51,"thumbnail-height":51,"medium":268,"medium-width":53,"medium-height":53,"mediumLarge":268,"mediumLarge-width":56,"mediumLarge-height":56,"large":268,"large-width":59,"large-height":59,"1536x1536":268,"1536x1536-width":152,"1536x1536-height":152,"2048x2048":268,"2048x2048-width":152,"2048x2048-height":152,"gform-image-choice-sm":268,"gform-image-choice-sm-width":152,"gform-image-choice-sm-height":152,"gform-image-choice-md":268,"gform-image-choice-md-width":152,"gform-image-choice-md-height":152,"gform-image-choice-lg":268,"gform-image-choice-lg-width":152,"gform-image-choice-lg-height":152},"\u002Fwp-content\u002Fuploads\u002F2024\u002F06\u002Ficons8-low-price.svg","Commence à réduire tes dettes et à soulager ton stress.",true,{"fieldGroupName":277,"reviews":278,"showTrustpilotSummaryLink":275,"anchorId":36,"backgroundColor":89,"padding":292},"ReviewSliderManualEntry",[279,284,288],{"url":280,"stars":281,"text":282,"name":283},"https:\u002F\u002Fwww.trustpilot.com\u002Freviews\u002F650658b2fad7d6469470c59d","5","“Le processus de faire appel à un syndic de faillite m’inquiétait beaucoup, mais je suis absolument convaincue que c’était la meilleure décision pour moi et je suis ravie de ce nouveau départ ! C’était une expérience formidable et je le recommande à tous ! 😊”","– Kelley C.",{"url":285,"stars":281,"text":286,"name":287},"https:\u002F\u002Fwww.trustpilot.com\u002Freviews\u002F62e28a8c4c35e69ec51c6bd0","“Mon expérience avec Farber a été tout simplement idéale. Au début, j’hésitais et j’étais un peu nerveuse, car je ne savais pas à quoi m’attendre et je n’avais jamais utilisé les services d’un syndic de faillites auparavant. Cet appel à Farber a été l’une des choses les plus simples que j’aie jamais faites de ma vie. Ils t’accompagnent à chaque étape, et même après !” ","– Noelle",{"url":289,"stars":281,"text":290,"name":291},"https:\u002F\u002Fwww.trustpilot.com\u002Freviews\u002F6489f97d706f837cb1febf4a","“Si tu es stressé et inquiet de l’intérêt croissant sur tes dettes, prends rendez-vous pour une consultation téléphonique ! En deux semaines, ma proposition de consommateur était acceptée et j’ai ressenti un SOULAGEMENT INSTANTANÉ. Je n’avais pas eu autant d’espoir pour ma santé financière depuis longtemps et c’est libérateur ! Honnêtement, je pourrais parler de Christine toute la journée, car je ne la remercierai jamais assez pour sa gentillesse et son aide précieuse !”","– M.T.",[95,201],{"fieldGroupName":91,"supertitle":36,"heading":36,"textAlignment":92,"wysiwygEditor":294,"anchorId":36,"padding":295,"width":96,"backgroundColor":97,"border":20},"\u003Ch2 style=\"text-align: center;\">C’est toi notre priorité. Pas tes dettes.\u003C\u002Fh2>\n\u003Cp style=\"text-align: center;\">Il est normal de se sentir accablé par les dettes. Nous sommes là pour t’aider à les surmonter.\u003C\u002Fp>\n\u003Ch3>Nous croyons que tout le monde peut réussir.\u003C\u002Fh3>\n\u003Cp>Forts de nos plus de 45 ans d’expérience en allégement de la dette au Canada, nous avons aidé plus de 200 000 personnes comme toi à améliorer leur relation avec l’argent.\u003C\u002Fp>\n\u003Cp>Voici les types de dettes que nous prenons en charge :\u003C\u002Fp>\n\u003Cul>\n\u003Cli>Dettes de carte de crédit\u003C\u002Fli>\n\u003Cli>Dettes fiscales\u003C\u002Fli>\n\u003Cli>Prêts étudiants\u003C\u002Fli>\n\u003Cli>Prêts personnels\u003C\u002Fli>\n\u003Cli>Marges de crédit\u003C\u002Fli>\n\u003Cli>Prêts sur salaire\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>Nos experts en dette de Farber t’aident à voir clair grâce à une solution personnalisée, facile à suivre et qui te permet d’économiser.\u003C\u002Fp>\n",[],{"fieldGroupName":297,"introduction":298,"type":301,"accordions":20,"faqs":302,"button":353,"enableSeoSchema":20,"anchorId":36},"FaqAccordion",{"supertitle":36,"heading":299,"text":300},"Foire aux questions","Gérer sa dette, c’est pas évident. Nous sommes là pour t’aider. ","faq",[303,313,323,333,343],{"ID":304,"post_author":37,"post_date":305,"post_date_gmt":306,"post_content":307,"post_title":308,"post_excerpt":36,"post_status":10,"comment_status":81,"ping_status":81,"post_password":36,"post_name":309,"to_ping":36,"pinged":36,"post_modified":310,"post_modified_gmt":311,"post_content_filtered":36,"post_parent":42,"guid":312,"menu_order":42,"post_type":301,"post_mime_type":36,"comment_count":87,"filter":88},5489,"2024-06-14 08:56:06","2024-06-14 12:56:06","La plupart des gens ont des dettes, généralement sous forme d'hypothèque, de prêt automobile ou de marge de crédit. Mais comment savoir si elles sont trop élevées ? Voici quelques façons de savoir si vous avez trop de dettes.\r\n\u003Cul>\r\n \t\u003Cli>Vous ne pouvez pas payer vos dépenses mensuelles sans vous servir d’une carte\u002Fligne de crédit\u003C\u002Fli>\r\n \t\u003Cli>Vous ne payez que le paiement minimum chaque mois\u003C\u002Fli>\r\n \t\u003Cli>Vous devez emprunter davantage pour défrayer vos dépenses mensuelles\u003C\u002Fli>\r\n \t\u003Cli>Vous recevez des appels des créanciers\u003C\u002Fli>\r\n \t\u003Cli>Vous manquez des paiements\u003C\u002Fli>\r\n \t\u003Cli>Vous ne savez pas au juste combien vous devez\u003C\u002Fli>\r\n \t\u003Cli>Vous comptez souvent sur la protection contre les découverts de votre compte bancaire\u003C\u002Fli>\r\n \t\u003Cli>Vous vous sentez stressé ou inquiet au sujet de vos dettes\u003C\u002Fli>\r\n \t\u003Cli>Vous cachez vos dettes ou vos dépenses\u003C\u002Fli>\r\n\u003C\u002Ful>","Comment savoir si vous êtes trop endetté ?","how-do-you-know-if-you-have-too-much-debt","2025-12-01 14:58:11","2025-12-01 19:58:11","https:\u002F\u002Fhync25uo0rocs6jyee4xnsfbp.js.wpenginepowered.com\u002F?faq=how-do-you-know-if-you-have-too-much-debt",{"ID":314,"post_author":37,"post_date":315,"post_date_gmt":316,"post_content":317,"post_title":318,"post_excerpt":36,"post_status":10,"comment_status":81,"ping_status":81,"post_password":36,"post_name":319,"to_ping":36,"pinged":36,"post_modified":320,"post_modified_gmt":321,"post_content_filtered":36,"post_parent":42,"guid":322,"menu_order":42,"post_type":301,"post_mime_type":36,"comment_count":87,"filter":88},5486,"2024-06-21 14:45:20","2024-06-21 18:45:20","Il peut être intimidant de faire le premier pas vers la maîtrise de vos dettes. En partageant vos inquiétudes avec un expert en dette, vous bénéficierez de conseils bienveillants et sans jugement qui vous aideront à prendre des décisions financières éclairées. Voici quelques autres avantages :\r\n\u003Cul>\r\n \t\u003Cli>Votre consultation est entièrement gratuite\u003C\u002Fli>\r\n \t\u003Cli>Vous ne ressentirez aucune pression ou obligation\u003C\u002Fli>\r\n \t\u003Cli>Dans un espace confidentiel et confortable\u003C\u002Fli>\r\n \t\u003Cli>Explorez toutes les solutions disponibles\u003C\u002Fli>\r\n \t\u003Cli>Vous serez soulagé du stress et de l'anxiété en sachant qu'une solution est à portée de main\u003C\u002Fli>\r\n\u003C\u002Ful>","Quels sont les avantages d'une consultation gratuite ?","what-are-the-benefits-of-a-free-consultation","2025-12-01 14:54:52","2025-12-01 19:54:52","https:\u002F\u002Fhync25uo0rocs6jyee4xnsfbp.js.wpenginepowered.com\u002F?faq=what-are-the-benefits-of-a-free-consultation",{"ID":324,"post_author":37,"post_date":325,"post_date_gmt":326,"post_content":327,"post_title":328,"post_excerpt":36,"post_status":10,"comment_status":81,"ping_status":81,"post_password":36,"post_name":329,"to_ping":36,"pinged":36,"post_modified":330,"post_modified_gmt":331,"post_content_filtered":36,"post_parent":42,"guid":332,"menu_order":42,"post_type":301,"post_mime_type":36,"comment_count":87,"filter":88},5431,"2024-06-13 15:53:17","2024-06-13 19:53:17","Déposer une proposition de consommateur n'affectera pas votre cote crédit pour toujours. Il est vrai que votre cote de crédit sera affectée, mais celle-ci est souvent déjà affectée par des paiements manqués ou en retard. Parfois les gens effectuent des paiements minimums depuis un certain temps, ce qui contribue à maintenir un bon score de crédit.\r\n\r\nIl est avantageux de régler vos dettes à long terme par le biais d'une proposition de consommateur, même si ça peut prendre du temps. Une proposition de consommateur vous aide à rétablir votre situation financière. En mettant fin au cycle des paiements minimums, vous pouvez atteindre une nouvelle cote crédit de manière responsable. 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