Over-indebtedness information & advisory service
The Service d'Information et de Conseil en matière de Surendettement (SICS) was set up in July 1993 and obtained a legal basis in December 2000.
The service, initially a contact point when it is difficult to talk about one's money problems, advises, accompanies and assists applicants in their various negotiations with creditors.
Since its creation, the SICS service responds to more than 2,000 requests for advice and information per year.
The Service is first and foremost a point of contact, as it is often difficult to talk about money problems with a relative or a third party. Secondly, it is an advisory and support service. It supports and assists applicants in the various steps of negotiation with creditors. The Service also has an active role with bailiffs, legal services, creditors, banks, etc... The help does not in any case lie in financial assistance.
The tasks of the Information and Advisory Service on Over-indebtedness are numerous:
Preparing your file
Download and print the following documents to prepare your file:
For more information, do not hesitate to consult the New Code of Civil Procedure - Seizures - Executions (Article 728 - Law of 26 March 1997).