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Le droit de la poursuite pour dettes et la faillite, r\u00e9gi par la Loi f\u00e9d\u00e9rale sur la poursuite pour dettes et la faillite (LP), constitue un pilier de l\u2019ordre \u00e9conomique suisse. Il organise les proc\u00e9dures permettant \u00e0 un cr\u00e9ancier d\u2019obtenir le paiement forc\u00e9 d\u2019une cr\u00e9ance et assure un traitement \u00e9quitable des cr\u00e9anciers en cas d\u2019insolvabilit\u00e9 du d\u00e9biteur.<\/p>\n
La proc\u00e9dure de poursuite ordinaire<\/b><\/p>\n
La voie la plus commune d\u00e9bute par une r\u00e9quisition de poursuite d\u00e9pos\u00e9e par le cr\u00e9ancier aupr\u00e8s de l\u2019Office des poursuites comp\u00e9tent. L\u2019Office notifie alors un commandement de payer au d\u00e9biteur. Ce dernier dispose de 10 jours pour former opposition, un acte qui suspend temporairement la proc\u00e9dure. Si le d\u00e9biteur fait opposition, le cr\u00e9ancier doit engager une proc\u00e9dure judiciaire de mainlev\u00e9e pour la faire \u00e9carter :<\/p>\n
– Mainlev\u00e9e provisoire : si la cr\u00e9ance repose sur une reconnaissance de dette (art. 82 LP ).<\/p>\n
– Mainlev\u00e9e d\u00e9finitive : si la cr\u00e9ance est constat\u00e9e par un jugement ex\u00e9cutoire.<\/p>\n
En l\u2019absence d\u2019opposition ou apr\u00e8s une mainlev\u00e9e r\u00e9ussie, le cr\u00e9ancier peut requ\u00e9rir la continuation de la poursuite, menant \u00e0 une saisie (pour les personnes physiques) ou \u00e0 une commination de faillite (pour les entit\u00e9s inscrites au registre du commerce).<\/p>\n
La faillite <\/b>: une proc\u00e9dure collective<\/p>\n
La faillite est une proc\u00e9dure de liquidation g\u00e9n\u00e9rale du patrimoine du d\u00e9biteur. Tous ses actifs sont r\u00e9alis\u00e9s pour d\u00e9sint\u00e9resser l\u2019ensemble de ses cr\u00e9anciers de mani\u00e8re \u00e9gale, selon un ordre de priorit\u00e9 (collocation). Elle peut \u00eatre ouverte suite \u00e0 une poursuite, \u00e0 la demande du d\u00e9biteur (d\u00e9claration d\u2019insolvabilit\u00e9) ou \u00e0 la requ\u00eate d\u2019un cr\u00e9ancier pour des motifs sp\u00e9cifiques.<\/p>\n
Pourquoi un conseil juridique est-il crucial ?<\/p>\n
Naviguer dans le droit de la poursuite et des faillites exige une connaissance pr\u00e9cise des r\u00e8gles proc\u00e9durales et des d\u00e9lais stricts. Une erreur peut entra\u00eener la perte de droits ou des co\u00fbts importants.<\/p>\n
Que vous soyez :<\/p>\n
– Cr\u00e9ancier : pour choisir la bonne proc\u00e9dure, r\u00e9diger une r\u00e9quisition correcte, et mener une proc\u00e9dure de mainlev\u00e9e.<\/p>\n
– D\u00e9biteur : pour former opposition \u00e0 juste titre, contester une saisie incorrecte du minimum vital (art. 92 LP ) ou envisager un assainissement.<\/p>\n
L\u2019assistance d\u2019un avocat ou d\u2019un juriste permet de s\u00e9curiser vos int\u00e9r\u00eats et d\u2019adopter la strat\u00e9gie la plus adapt\u00e9e \u00e0 votre situation. Urben Avocat\u00b7e\u00b7s, par son service Avoqa, vous offre un acc\u00e8s direct \u00e0 une expertise en la mati\u00e8re pour analyser votre cas et vous orienter sur les prochaines \u00e9tapes.<\/p>\n
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Le droit de la poursuite pour dettes et la faillite, r\u00e9gi par la Loi f\u00e9d\u00e9rale sur la poursuite pour dettes et la faillite (LP), constitue un pilier de l\u2019ordre \u00e9conomique suisse. Il organise les proc\u00e9dures permettant \u00e0 un cr\u00e9ancier d\u2019obtenir le paiement forc\u00e9 d\u2019une cr\u00e9ance et assure un traitement \u00e9quitable des cr\u00e9anciers en cas d\u2019insolvabilit\u00e9 […]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"\r\n
This is a sample page.<\/b><\/p>\r\n\r\nOverview<\/h2>\r\n\r\n
Our refund and returns policy lasts 30 days. If 30 days have passed since your purchase, we can\u2019t offer you a full refund or exchange.<\/p>\r\n\r\n
To be eligible for a return, your item must be unused and in the same condition that you received it. It must also be in the original packaging.<\/p>\r\n\r\n
Several types of goods are exempt from being returned. Perishable goods such as food, flowers, newspapers or magazines cannot be returned. We also do not accept products that are intimate or sanitary goods, hazardous materials, or flammable liquids or gases.<\/p>\r\n\r\n
Additional non-returnable items:<\/p>\r\n\r\n
To complete your return, we require a receipt or proof of purchase.<\/p>\r\n\r\n
Please do not send your purchase back to the manufacturer.<\/p>\r\n\r\n
There are certain situations where only partial refunds are granted:<\/p>\r\n\r\n
Once your return is received and inspected, we will send you an email to notify you that we have received your returned item. We will also notify you of the approval or rejection of your refund.<\/p>\r\n\r\n
If you are approved, then your refund will be processed, and a credit will automatically be applied to your credit card or original method of payment, within a certain amount of days.<\/p>\r\n\r\n
If you haven\u2019t received a refund yet, first check your bank account again.<\/p>\r\n\r\n
Then contact your credit card company, it may take some time before your refund is officially posted.<\/p>\r\n\r\n
Next contact your bank. There is often some processing time before a refund is posted.<\/p>\r\n\r\n
If you\u2019ve done all of this and you still have not received your refund yet, please contact us at {email address}.<\/p>\r\n\r\n
Only regular priced items may be refunded. Sale items cannot be refunded.<\/p>\r\n\r\n
We only replace items if they are defective or damaged. If you need to exchange it for the same item, send us an email at {email address} and send your item to: {physical address}.<\/p>\r\n\r\n
If the item was marked as a gift when purchased and shipped directly to you, you\u2019ll receive a gift credit for the value of your return. Once the returned item is received, a gift certificate will be mailed to you.<\/p>\r\n\r\n
If the item wasn\u2019t marked as a gift when purchased, or the gift giver had the order shipped to themselves to give to you later, we will send a refund to the gift giver and they will find out about your return.<\/p>\r\n\r\n
To return your product, you should mail your product to: {physical address}.<\/p>\r\n\r\n
You will be responsible for paying for your own shipping costs for returning your item. Shipping costs are non-refundable. If you receive a refund, the cost of return shipping will be deducted from your refund.<\/p>\r\n\r\n
Depending on where you live, the time it may take for your exchanged product to reach you may vary.<\/p>\r\n\r\n
If you are returning more expensive items, you may consider using a trackable shipping service or purchasing shipping insurance. We don\u2019t guarantee that we will receive your returned item.<\/p>\r\n\r\n
Contact us at {email} for questions related to refunds and returns.<\/p>\r\n","_et_gb_content_width":"","footnotes":""},"dipi_cpt_category":[],"class_list":["post-29665","page","type-page","status-publish","hentry"],"yoast_head":"\n