@socialgouv/fiches-vdd 2.1189.0 → 2.1191.0

package/data/particuliers/F1946.json

@@ -50,7 +50,7 @@
           "children": [
             {
               "type": "text",
-              "text": "Lorsque la commission de surendettement déclare un dossier recevable, elle examine la situation du demandeur et fait un état de son endettement (ou état du passif). Cet état permet de déterminer l'orientation à donner au dossier, c'est-à-dire la procédure de traitement du surendettement à appliquer (plan conventionnel de redressement ou mesures imposées ou rétablissement personnel)."
+              "text": "Dès que la commission de surendettement estime qu'un dossier est recevable, elle cherche à mieux connaître la situation du surendetté, pour établir son état d'endettement (ou état du passif). A partir de cet état, elle fixe l'orientation à donner au dossier de surendettement. Il s'agit de déterminer la procédure de traitement du surendettement qui correspond à la situation du surendetté (plan conventionnel de redressement, ou de mesures imposées, ou rétablissement personnel)."
             }
           ]
         },
@@ -120,7 +120,7 @@
           "children": [
             {
               "type": "text",
-              "text": "https://www.legifrance.gouv.fr/codes/section_lc/LEGITEXT000006069565/LEGISCTA000032223565, https://www.legifrance.gouv.fr/codes/section_lc/LEGITEXT000006069565/LEGISCTA000032808576, https://www.legifrance.gouv.fr/codes/section_lc/LEGITEXT000006069565/LEGISCTA000032223591, https://www.legifrance.gouv.fr/codes/section_lc/LEGITEXT000006069565/LEGISCTA000032808600/#LEGISCTA000032808600, https://www.legifrance.gouv.fr/codes/id/LEGISCTA000032224540/, https://www.legifrance.gouv.fr/codes/id/LEGISCTA000032808622/, https://www.legifrance.gouv.fr/codes/id/LEGISCTA000032224534/, https://www.legifrance.gouv.fr/codes/id/LEGISCTA000032224524/, https://www.legifrance.gouv.fr/codes/id/LEGISCTA000032224514/, https://www.legifrance.gouv.fr/codes/section_lc/LEGITEXT000006069565/LEGISCTA000032223651, https://www.legifrance.gouv.fr/codes/section_lc/LEGITEXT000006069565/LEGISCTA000032808656, https://www.legifrance.gouv.fr/codes/section_lc/LEGITEXT000006069565/LEGISCTA000032808668, https://www.legifrance.gouv.fr/codes/section_lc/LEGITEXT000006069565/LEGISCTA000032223661, https://www.legifrance.gouv.fr/codes/section_lc/LEGITEXT000006069565/LEGISCTA000032808676, https://www.legifrance.gouv.fr/download/pdf/circ?id=45400, https://www.legifrance.gouv.fr/jorf/id/JORFTEXT000049797659"
+              "text": "https://www.legifrance.gouv.fr/codes/section_lc/LEGITEXT000006069565/LEGISCTA000032223565, https://www.legifrance.gouv.fr/codes/section_lc/LEGITEXT000006069565/LEGISCTA000032808576, https://www.legifrance.gouv.fr/codes/section_lc/LEGITEXT000006069565/LEGISCTA000032223591, https://www.legifrance.gouv.fr/codes/section_lc/LEGITEXT000006069565/LEGISCTA000032223651, https://www.legifrance.gouv.fr/codes/section_lc/LEGITEXT000006069565/LEGISCTA000032808656, https://www.legifrance.gouv.fr/codes/section_lc/LEGITEXT000006069565/LEGISCTA000032808668, https://www.legifrance.gouv.fr/codes/section_lc/LEGITEXT000006069565/LEGISCTA000032223661, https://www.legifrance.gouv.fr/codes/section_lc/LEGITEXT000006069565/LEGISCTA000032808676, https://www.legifrance.gouv.fr/download/pdf/circ?id=45400, https://www.legifrance.gouv.fr/jorf/id/JORFTEXT000049797659"
             }
           ]
         },
@@ -409,7 +409,7 @@
                   "children": [
                     {
                       "type": "text",
-                      "text": "Lorsque la commission de surendettement déclare un dossier recevable, elle examine la situation du demandeur et fait un état de son endettement (ou "
+                      "text": "Dès que la commission de surendettement estime qu'un dossier est recevable, elle cherche à mieux connaître la situation du surendetté, pour établir son état d'endettement (ou "
                     },
                     {
                       "type": "element",
@@ -423,17 +423,49 @@
                     },
                     {
                       "type": "text",
-                      "text": ")."
-                    }
-                  ]
-                },
-                {
-                  "type": "element",
-                  "name": "Paragraphe",
-                  "children": [
+                      "text": "). A partir de cet état, elle fixe l'orientation à donner au dossier de surendettement. Il s'agit de déterminer la procédure de traitement du surendettement qui correspond à la situation du surendetté ("
+                    },
+                    {
+                      "type": "element",
+                      "name": "Expression",
+                      "children": [
+                        {
+                          "type": "text",
+                          "text": "plan conventionnel de redressement"
+                        }
+                      ]
+                    },
+                    {
+                      "type": "text",
+                      "text": ", ou de "
+                    },
+                    {
+                      "type": "element",
+                      "name": "Expression",
+                      "children": [
+                        {
+                          "type": "text",
+                          "text": "mesures imposées"
+                        }
+                      ]
+                    },
+                    {
+                      "type": "text",
+                      "text": ", ou "
+                    },
+                    {
+                      "type": "element",
+                      "name": "Expression",
+                      "children": [
+                        {
+                          "type": "text",
+                          "text": "rétablissement personnel"
+                        }
+                      ]
+                    },
                     {
                       "type": "text",
-                      "text": "Cet état permet de déterminer l'orientation à donner au dossier, c'est-à-dire la procédure de traitement du surendettement à appliquer (plan conventionnel de redressement ou mesures imposées ou rétablissement personnel)."
+                      "text": ")."
                     }
                   ]
                 }
@@ -451,7 +483,7 @@
               "children": [
                 {
                   "type": "text",
-                  "text": "Voici les principales étapes permettant de dresser l'état d'endettement et d'orienter le dossier de surendettement :"
+                  "text": "Voici les principales étapes qui permettent à la commission de surendettement d'établir l'état d'endettement définitif du surendetté et de déterminer l'orientation à donner au dossier de surendettement :"
                 }
               ]
             },
@@ -1103,7 +1135,7 @@
                       "children": [
                         {
                           "type": "text",
-                          "text": "État d'endettement définitif et ses effets"
+                          "text": "Est-il possible de contester l'état d'endettement définitif ?"
                         }
                       ]
                     }
@@ -1159,7 +1191,7 @@
                       "children": [
                         {
                           "type": "text",
-                          "text": "Orientation du dossier"
+                          "text": "Quelles sont les orientations possibles du dossier de surendettement ?"
                         }
                       ]
                     }
@@ -1171,7 +1203,35 @@
                   "children": [
                     {
                       "type": "text",
-                      "text": "La commission, après l'étude de la situation du demandeur, oriente le dossier selon la gravité de sa situation de surendettement."
+                      "text": "La commission de surendettement, après l'étude de la situation du surendetté, oriente le dossier selon la gravité de sa situation financière. Elle doit prendre cette décision "
+                    },
+                    {
+                      "type": "element",
+                      "name": "MiseEnEvidence",
+                      "children": [
+                        {
+                          "type": "text",
+                          "text": "dans un délai de 3 mois"
+                        }
+                      ]
+                    },
+                    {
+                      "type": "text",
+                      "text": " après la date mentionnée sur "
+                    },
+                    {
+                      "type": "element",
+                      "name": "Expression",
+                      "children": [
+                        {
+                          "type": "text",
+                          "text": "l'attestation de dépôt"
+                        }
+                      ]
+                    },
+                    {
+                      "type": "text",
+                      "text": " du dossier."
                     }
                   ]
                 },
@@ -1181,161 +1241,248 @@
                   "children": [
                     {
                       "type": "text",
-                      "text": "La commission doit décider de l'orientation du dossier dans un délai de 3 mois après la date mentionnée sur l'attestation de dépôt du dossier."
+                      "text": "Les orientations possibles varient notamment selon la situation financière du surendetté :"
                     }
                   ]
                 },
                 {
                   "type": "element",
-                  "name": "SousChapitre",
+                  "name": "BlocCas",
+                  "attributes": {
+                    "affichage": "radio"
+                  },
                   "children": [
                     {
                       "type": "element",
-                      "name": "Titre",
+                      "name": "Cas",
                       "children": [
                         {
                           "type": "element",
-                          "name": "Paragraphe",
+                          "name": "Titre",
                           "children": [
                             {
                               "type": "text",
-                              "text": "Remboursement des dettes (total ou partiel) possible"
+                              "text": "Le surendetté peut payer en totalité ou en partie ses dettes"
                             }
                           ]
-                        }
-                      ]
-                    },
-                    {
-                      "type": "element",
-                      "name": "BlocCas",
-                      "attributes": {
-                        "affichage": "radio"
-                      },
-                      "children": [
+                        },
                         {
                           "type": "element",
-                          "name": "Cas",
+                          "name": "Liste",
+                          "attributes": {
+                            "type": "puce"
+                          },
                           "children": [
                             {
                               "type": "element",
-                              "name": "Titre",
+                              "name": "Item",
                               "children": [
                                 {
-                                  "type": "text",
-                                  "text": "Le surendetté possède un bien immobilier"
+                                  "type": "element",
+                                  "name": "Paragraphe",
+                                  "children": [
+                                    {
+                                      "type": "element",
+                                      "name": "MiseEnEvidence",
+                                      "children": [
+                                        {
+                                          "type": "text",
+                                          "text": "Lorsque le surendetté a un bien immobilier"
+                                        }
+                                      ]
+                                    },
+                                    {
+                                      "type": "text",
+                                      "text": ", la commission peut proposer au surendetté et à ses créanciers de négocier ensemble un "
+                                    },
+                                    {
+                                      "type": "element",
+                                      "name": "LienInterne",
+                                      "attributes": {
+                                        "LienPublication": "F16982",
+                                        "type": "Fiche d'information conditionnée",
+                                        "audience": "Particuliers"
+                                      },
+                                      "children": [
+                                        {
+                                          "type": "text",
+                                          "text": "plan conventionnel de redressement"
+                                        }
+                                      ]
+                                    },
+                                    {
+                                      "type": "text",
+                                      "text": ". Il s'agit de mettre en place un gel provisoire des remboursements des dettes ou des mensualités adaptées à la situation du surendetté."
+                                    }
+                                  ]
                                 }
                               ]
                             },
                             {
                               "type": "element",
-                              "name": "Paragraphe",
+                              "name": "Item",
                               "children": [
-                                {
-                                  "type": "text",
-                                  "text": "Lorsque la commission considère qu'un réaménagement des dettes est envisageable, elle tente une conciliation avec les créanciers à l'aide d'un "
-                                },
                                 {
                                   "type": "element",
-                                  "name": "LienInterne",
-                                  "attributes": {
-                                    "LienPublication": "F16982",
-                                    "type": "Fiche d'information conditionnée",
-                                    "audience": "Particuliers"
-                                  },
+                                  "name": "Paragraphe",
                                   "children": [
+                                    {
+                                      "type": "element",
+                                      "name": "MiseEnEvidence",
+                                      "children": [
+                                        {
+                                          "type": "text",
+                                          "text": "Lorsque le surendetté n'a pas de bien immobilier"
+                                        }
+                                      ]
+                                    },
+                                    {
+                                      "type": "text",
+                                      "text": ", la commission peut déterminer "
+                                    },
+                                    {
+                                      "type": "element",
+                                      "name": "LienInterne",
+                                      "attributes": {
+                                        "LienPublication": "F1947",
+                                        "type": "Fiche d'information conditionnée",
+                                        "audience": "Particuliers"
+                                      },
+                                      "children": [
+                                        {
+                                          "type": "text",
+                                          "text": "des mesures qui s'imposent"
+                                        }
+                                      ]
+                                    },
                                     {
                                       "type": "text",
-                                      "text": "plan conventionnel de redressement"
+                                      "text": " au surendetté et aux créanciers. Il s'agit de mettre en place un gel provisoire des remboursements des dettes ou des mensualités adaptées à la situation du surendetté."
                                     }
                                   ]
-                                },
-                                {
-                                  "type": "text",
-                                  "text": "."
                                 }
                               ]
                             }
                           ]
+                        }
+                      ]
+                    },
+                    {
+                      "type": "element",
+                      "name": "Cas",
+                      "children": [
+                        {
+                          "type": "element",
+                          "name": "Titre",
+                          "children": [
+                            {
+                              "type": "text",
+                              "text": "Le surendetté ne peut pas payer ses dettes"
+                            }
+                          ]
                         },
                         {
                           "type": "element",
-                          "name": "Cas",
+                          "name": "Liste",
+                          "attributes": {
+                            "type": "puce"
+                          },
                           "children": [
                             {
                               "type": "element",
-                              "name": "Titre",
+                              "name": "Item",
                               "children": [
                                 {
-                                  "type": "text",
-                                  "text": "Le surendetté ne possède pas de bien immobilier"
+                                  "type": "element",
+                                  "name": "Paragraphe",
+                                  "children": [
+                                    {
+                                      "type": "element",
+                                      "name": "MiseEnEvidence",
+                                      "children": [
+                                        {
+                                          "type": "text",
+                                          "text": "Lorsque les biens du surendetté ont une valeur marchande"
+                                        }
+                                      ]
+                                    },
+                                    {
+                                      "type": "text",
+                                      "text": ", la commission peut, avec l'accord du surendetté, saisir le juge du tribunal judiciaire pour ouvrir une "
+                                    },
+                                    {
+                                      "type": "element",
+                                      "name": "LienInterne",
+                                      "attributes": {
+                                        "LienPublication": "F34463",
+                                        "type": "Fiche d'information conditionnée",
+                                        "audience": "Particuliers"
+                                      },
+                                      "children": [
+                                        {
+                                          "type": "text",
+                                          "text": "procédure de rétablissement personnel avec liquidation judiciaire"
+                                        }
+                                      ]
+                                    },
+                                    {
+                                      "type": "text",
+                                      "text": ". Cette procédure permet d'effacer l'intégralité des dettes du surendetté."
+                                    }
+                                  ]
                                 }
                               ]
                             },
                             {
                               "type": "element",
-                              "name": "Paragraphe",
+                              "name": "Item",
                               "children": [
-                                {
-                                  "type": "text",
-                                  "text": "Lorsque la commission considère qu'un réaménagement des dettes est envisageable, elle peut élaborer des "
-                                },
                                 {
                                   "type": "element",
-                                  "name": "LienInterne",
-                                  "attributes": {
-                                    "LienPublication": "F1947",
-                                    "type": "Fiche d'information conditionnée",
-                                    "audience": "Particuliers"
-                                  },
+                                  "name": "Paragraphe",
                                   "children": [
+                                    {
+                                      "type": "element",
+                                      "name": "MiseEnEvidence",
+                                      "children": [
+                                        {
+                                          "type": "text",
+                                          "text": "Lorsque les biens du surendetté n'ont aucune valeur marchande"
+                                        }
+                                      ]
+                                    },
+                                    {
+                                      "type": "text",
+                                      "text": ", la commission peut imposer une "
+                                    },
+                                    {
+                                      "type": "element",
+                                      "name": "LienInterne",
+                                      "attributes": {
+                                        "LienPublication": "F16978",
+                                        "type": "Fiche d'information conditionnée",
+                                        "audience": "Particuliers"
+                                      },
+                                      "children": [
+                                        {
+                                          "type": "text",
+                                          "text": "procédure de rétablissement personnel sans liquidation judiciaire"
+                                        }
+                                      ]
+                                    },
                                     {
                                       "type": "text",
-                                      "text": "mesures imposées"
+                                      "text": ". Cette procédure permet d'effacer l'intégralité des dettes du surendetté."
                                     }
                                   ]
-                                },
-                                {
-                                  "type": "text",
-                                  "text": ", après avoir recueilli les observations du surendetté et de ses créanciers."
                                 }
                               ]
                             }
                           ]
-                        }
-                      ]
-                    }
-                  ]
-                },
-                {
-                  "type": "element",
-                  "name": "SousChapitre",
-                  "children": [
-                    {
-                      "type": "element",
-                      "name": "Titre",
-                      "children": [
-                        {
-                          "type": "element",
-                          "name": "Paragraphe",
-                          "children": [
-                            {
-                              "type": "text",
-                              "text": "Remboursement des dettes impossible"
-                            }
-                          ]
-                        }
-                      ]
-                    },
-                    {
-                      "type": "element",
-                      "name": "BlocCas",
-                      "attributes": {
-                        "affichage": "radio"
-                      },
-                      "children": [
+                        },
                         {
                           "type": "element",
-                          "name": "Cas",
+                          "name": "ANoter",
                           "children": [
                             {
                               "type": "element",
@@ -1343,7 +1490,7 @@
                               "children": [
                                 {
                                   "type": "text",
-                                  "text": "Le surendetté possède des biens pouvant être vendus"
+                                  "text": "À noter"
                                 }
                               ]
                             },
@@ -1353,2292 +1500,7 @@
                               "children": [
                                 {
                                   "type": "text",
-                                  "text": "Lorsque la commission considère qu'aucune solution financière n'est possible ("
-                                },
-                                {
-                                  "type": "element",
-                                  "name": "Expression",
-                                  "children": [
-                                    {
-                                      "type": "text",
-                                      "text": "situation irrémédiablement compromise"
-                                    }
-                                  ]
-                                },
-                                {
-                                  "type": "text",
-                                  "text": "), la commission peut - avec l'accord du surendetté - saisir le juge du tribunal judiciaire pour ouvrir une "
-                                },
-                                {
-                                  "type": "element",
-                                  "name": "LienInterne",
-                                  "attributes": {
-                                    "LienPublication": "F34463",
-                                    "type": "Fiche d'information conditionnée",
-                                    "audience": "Particuliers"
-                                  },
-                                  "children": [
-                                    {
-                                      "type": "text",
-                                      "text": "procédure de rétablissement personnel avec liquidation judiciaire"
-                                    }
-                                  ]
-                                },
-                                {
-                                  "type": "text",
-                                  "text": "."
-                                }
-                              ]
-                            }
-                          ]
-                        },
-                        {
-                          "type": "element",
-                          "name": "Cas",
-                          "children": [
-                            {
-                              "type": "element",
-                              "name": "Titre",
-                              "children": [
-                                {
-                                  "type": "text",
-                                  "text": "Le surendetté ne possède pas de biens pouvant être vendus"
-                                }
-                              ]
-                            },
-                            {
-                              "type": "element",
-                              "name": "Paragraphe",
-                              "children": [
-                                {
-                                  "type": "text",
-                                  "text": "Lorsque la commission considère qu'aucune solution financière n'est possible ("
-                                },
-                                {
-                                  "type": "element",
-                                  "name": "Expression",
-                                  "children": [
-                                    {
-                                      "type": "text",
-                                      "text": "situation irrémédiablement compromise"
-                                    }
-                                  ]
-                                },
-                                {
-                                  "type": "text",
-                                  "text": "), la commission peut imposer une "
-                                },
-                                {
-                                  "type": "element",
-                                  "name": "LienInterne",
-                                  "attributes": {
-                                    "LienPublication": "F16978",
-                                    "type": "Fiche d'information conditionnée",
-                                    "audience": "Particuliers"
-                                  },
-                                  "children": [
-                                    {
-                                      "type": "text",
-                                      "text": "procédure de rétablissement personnel sans liquidation judiciaire"
-                                    }
-                                  ]
-                                },
-                                {
-                                  "type": "text",
-                                  "text": "."
-                                }
-                              ]
-                            }
-                          ]
-                        }
-                      ]
-                    },
-                    {
-                      "type": "element",
-                      "name": "ANoter",
-                      "children": [
-                        {
-                          "type": "element",
-                          "name": "Titre",
-                          "children": [
-                            {
-                              "type": "text",
-                              "text": "À noter"
-                            }
-                          ]
-                        },
-                        {
-                          "type": "element",
-                          "name": "Paragraphe",
-                          "children": [
-                            {
-                              "type": "text",
-                              "text": "le surendetté peut contester l'orientation de son dossier vers une procédure de rétablissement personnel, sous réserve de respecter certains délais."
-                            }
-                          ]
-                        }
-                      ]
-                    }
-                  ]
-                },
-                {
-                  "type": "element",
-                  "name": "SousChapitre",
-                  "children": [
-                    {
-                      "type": "element",
-                      "name": "Titre",
-                      "children": [
-                        {
-                          "type": "element",
-                          "name": "Paragraphe",
-                          "children": [
-                            {
-                              "type": "text",
-                              "text": "Dossier resté sans orientation au-delà du délai de 3 mois"
-                            }
-                          ]
-                        }
-                      ]
-                    },
-                    {
-                      "type": "element",
-                      "name": "Paragraphe",
-                      "children": [
-                        {
-                          "type": "text",
-                          "text": "La commission doit donner une orientation au dossier de surendettement dans un délai de 3 mois après la date mentionnée sur l'attestation de dépôt du dossier."
-                        }
-                      ]
-                    },
-                    {
-                      "type": "element",
-                      "name": "Paragraphe",
-                      "children": [
-                        {
-                          "type": "text",
-                          "text": "Lorsque ce délai n'est pas respecté, la commission envoie au surendetté par lettre simple une attestation précisant la date à partir de laquelle le taux des emprunts en cours est fixé au "
-                        },
-                        {
-                          "type": "element",
-                          "name": "LienInterne",
-                          "attributes": {
-                            "LienPublication": "F20688",
-                            "type": "Fiche Question-réponse conditionnée",
-                            "audience": "Particuliers"
-                          },
-                          "children": [
-                            {
-                              "type": "text",
-                              "text": "taux d'intérêt légal"
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-                                          "type": "text",
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-                                          "type": "text",
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-                                  "type": "element",
-                                  "name": "Paragraphe",
-                                  "children": [
-                                    {
-                                      "type": "element",
-                                      "name": "Valeur",
-                                      "children": [
-                                        {
-                                          "type": "text",
-                                          "text": "1,01 %"
-                                        }
-                                      ]
-                                    }
-                                  ]
-                                }
-                              ]
-                            }
-                          ]
-                        },
-                        {
-                          "type": "element",
-                          "name": "Rangée",
-                          "attributes": {
-                            "type": "normal"
-                          },
-                          "children": [
-                            {
-                              "type": "element",
-                              "name": "Cellule",
-                              "children": [
-                                {
-                                  "type": "element",
-                                  "name": "Paragraphe",
-                                  "children": [
-                                    {
-                                      "type": "text",
-                                      "text": "2015"
-                                    }
-                                  ]
-                                }
-                              ]
-                            },
-                            {
-                              "type": "element",
-                              "name": "Cellule",
-                              "children": [
-                                {
-                                  "type": "element",
-                                  "name": "Paragraphe",
-                                  "children": [
-                                    {
-                                      "type": "text",
-                                      "text": "2"
-                                    },
-                                    {
-                                      "type": "element",
-                                      "name": "Exposant",
-                                      "children": [
-                                        {
-                                          "type": "text",
-                                          "text": "e"
-                                        }
-                                      ]
-                                    },
-                                    {
-                                      "type": "text",
-                                      "text": " semestre"
-                                    }
-                                  ]
-                                }
-                              ]
-                            },
-                            {
-                              "type": "element",
-                              "name": "Cellule",
-                              "children": [
-                                {
-                                  "type": "element",
-                                  "name": "Paragraphe",
-                                  "children": [
-                                    {
-                                      "type": "element",
-                                      "name": "Valeur",
-                                      "children": [
-                                        {
-                                          "type": "text",
-                                          "text": "4,29 %"
-                                        }
-                                      ]
-                                    }
-                                  ]
-                                }
-                              ]
-                            },
-                            {
-                              "type": "element",
-                              "name": "Cellule",
-                              "children": [
-                                {
-                                  "type": "element",
-                                  "name": "Paragraphe",
-                                  "children": [
-                                    {
-                                      "type": "element",
-                                      "name": "Valeur",
-                                      "children": [
-                                        {
-                                          "type": "text",
-                                          "text": "0,99 %"
-                                        }
-                                      ]
-                                    }
-                                  ]
-                                }
-                              ]
-                            }
-                          ]
-                        },
-                        {
-                          "type": "element",
-                          "name": "Rangée",
-                          "attributes": {
-                            "type": "normal"
-                          },
-                          "children": [
-                            {
-                              "type": "element",
-                              "name": "Cellule",
-                              "children": [
-                                {
-                                  "type": "element",
-                                  "name": "Paragraphe",
-                                  "children": [
-                                    {
-                                      "type": "text",
-                                      "text": "2015"
-                                    }
-                                  ]
-                                }
-                              ]
-                            },
-                            {
-                              "type": "element",
-                              "name": "Cellule",
-                              "children": [
-                                {
-                                  "type": "element",
-                                  "name": "Paragraphe",
-                                  "children": [
-                                    {
-                                      "type": "text",
-                                      "text": "1"
-                                    },
-                                    {
-                                      "type": "element",
-                                      "name": "Exposant",
-                                      "children": [
-                                        {
-                                          "type": "text",
-                                          "text": "er"
-                                        }
-                                      ]
-                                    },
-                                    {
-                                      "type": "text",
-                                      "text": " semestre"
-                                    }
-                                  ]
-                                }
-                              ]
-                            },
-                            {
-                              "type": "element",
-                              "name": "Cellule",
-                              "children": [
-                                {
-                                  "type": "element",
-                                  "name": "Paragraphe",
-                                  "children": [
-                                    {
-                                      "type": "element",
-                                      "name": "Valeur",
-                                      "children": [
-                                        {
-                                          "type": "text",
-                                          "text": "4,06 %"
-                                        }
-                                      ]
-                                    }
-                                  ]
-                                }
-                              ]
-                            },
-                            {
-                              "type": "element",
-                              "name": "Cellule",
-                              "children": [
-                                {
-                                  "type": "element",
-                                  "name": "Paragraphe",
-                                  "children": [
-                                    {
-                                      "type": "element",
-                                      "name": "Valeur",
-                                      "children": [
-                                        {
-                                          "type": "text",
-                                          "text": "0,93 %"
-                                        }
-                                      ]
-                                    }
-                                  ]
+                                  "text": "Le surendetté peut contester l'orientation de son dossier vers une procédure de rétablissement personnel, sous réserve de respecter certains délais."
                                 }
                               ]
                             }
@@ -3649,6 +1511,71 @@
                   ]
                 }
               ]
+            },
+            {
+              "type": "element",
+              "name": "Chapitre",
+              "children": [
+                {
+                  "type": "element",
+                  "name": "Titre",
+                  "children": [
+                    {
+                      "type": "element",
+                      "name": "Paragraphe",
+                      "children": [
+                        {
+                          "type": "text",
+                          "text": "Quelle conséquence si le dossier de surendettement reste sans orientation ?"
+                        }
+                      ]
+                    }
+                  ]
+                },
+                {
+                  "type": "element",
+                  "name": "Paragraphe",
+                  "children": [
+                    {
+                      "type": "text",
+                      "text": "Lorsque la commission ne donne pas d'orientation au dossier de surendettement dans les 3 mois qui suivent la date mentionnée sur "
+                    },
+                    {
+                      "type": "element",
+                      "name": "Expression",
+                      "children": [
+                        {
+                          "type": "text",
+                          "text": "l'attestation de dépôt "
+                        }
+                      ]
+                    },
+                    {
+                      "type": "text",
+                      "text": ", elle envoie par lettre simple au surendetté un document attestant de cette situation. Ce document indique également la date à partir de laquelle le taux des emprunts en cours du surendetté est réduit au "
+                    },
+                    {
+                      "type": "element",
+                      "name": "LienInterne",
+                      "attributes": {
+                        "LienPublication": "F20688",
+                        "type": "Fiche Question-réponse conditionnée",
+                        "audience": "Particuliers"
+                      },
+                      "children": [
+                        {
+                          "type": "text",
+                          "text": "taux d'intérêt légal"
+                        }
+                      ]
+                    },
+                    {
+                      "type": "text",
+                      "text": " pour les 3 mois suivants, sauf si la commission ou le juge en décide autrement."
+                    }
+                  ]
+                }
+              ]
             }
           ]
         },
@@ -3794,7 +1721,7 @@
               "children": [
                 {
                   "type": "text",
-                  "text": "Procédure (règles générales)"
+                  "text": "Missions de la commission de surendettement"
                 }
               ]
             }
@@ -3825,7 +1752,7 @@
               "children": [
                 {
                   "type": "text",
-                  "text": "Compétences du juge en matière de surendettement"
+                  "text": "Compétences du juge du contentieux de la protection"
                 }
               ]
             }
@@ -3862,192 +1789,6 @@
             }
           ]
         },
-        {
-          "type": "element",
-          "name": "Reference",
-          "attributes": {
-            "type": "Texte de référence",
-            "URL": "https://www.legifrance.gouv.fr/codes/section_lc/LEGITEXT000006069565/LEGISCTA000032808600/#LEGISCTA000032808600",
-            "ID": "R50002"
-          },
-          "children": [
-            {
-              "type": "element",
-              "name": "Titre",
-              "children": [
-                {
-                  "type": "text",
-                  "text": "Code de la consommation : articles R721-1 à R724-8"
-                }
-              ]
-            },
-            {
-              "type": "element",
-              "name": "Complement",
-              "children": [
-                {
-                  "type": "text",
-                  "text": "Saisine de la commission"
-                }
-              ]
-            }
-          ]
-        },
-        {
-          "type": "element",
-          "name": "Reference",
-          "attributes": {
-            "type": "Texte de référence",
-            "URL": "https://www.legifrance.gouv.fr/codes/id/LEGISCTA000032224540/",
-            "ID": "R44467"
-          },
-          "children": [
-            {
-              "type": "element",
-              "name": "Titre",
-              "children": [
-                {
-                  "type": "text",
-                  "text": "Code de la consommation : article L722-1"
-                }
-              ]
-            },
-            {
-              "type": "element",
-              "name": "Complement",
-              "children": [
-                {
-                  "type": "text",
-                  "text": "Saisine de la commission"
-                }
-              ]
-            }
-          ]
-        },
-        {
-          "type": "element",
-          "name": "Reference",
-          "attributes": {
-            "type": "Texte de référence",
-            "URL": "https://www.legifrance.gouv.fr/codes/id/LEGISCTA000032808622/",
-            "ID": "R2174"
-          },
-          "children": [
-            {
-              "type": "element",
-              "name": "Titre",
-              "children": [
-                {
-                  "type": "text",
-                  "text": "Code de la consommation : articles R722-1 à R722-4"
-                }
-              ]
-            },
-            {
-              "type": "element",
-              "name": "Complement",
-              "children": [
-                {
-                  "type": "text",
-                  "text": "Examen de la recevabilité"
-                }
-              ]
-            }
-          ]
-        },
-        {
-          "type": "element",
-          "name": "Reference",
-          "attributes": {
-            "type": "Texte de référence",
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-          },
-          "children": [
-            {
-              "type": "element",
-              "name": "Titre",
-              "children": [
-                {
-                  "type": "text",
-                  "text": "Code de la consommation : articles L722-2 à L722-5"
-                }
-              ]
-            },
-            {
-              "type": "element",
-              "name": "Complement",
-              "children": [
-                {
-                  "type": "text",
-                  "text": "Examen de la recevabilité"
-                }
-              ]
-            }
-          ]
-        },
-        {
-          "type": "element",
-          "name": "Reference",
-          "attributes": {
-            "type": "Texte de référence",
-            "URL": "https://www.legifrance.gouv.fr/codes/id/LEGISCTA000032224524/",
-            "ID": "R44469"
-          },
-          "children": [
-            {
-              "type": "element",
-              "name": "Titre",
-              "children": [
-                {
-                  "type": "text",
-                  "text": "Code de la consommation : articles L722-6 à L722-9"
-                }
-              ]
-            },
-            {
-              "type": "element",
-              "name": "Complement",
-              "children": [
-                {
-                  "type": "text",
-                  "text": "Suspension et interdiction des procédures d'exécution et cessions de rémunération"
-                }
-              ]
-            }
-          ]
-        },
-        {
-          "type": "element",
-          "name": "Reference",
-          "attributes": {
-            "type": "Texte de référence",
-            "URL": "https://www.legifrance.gouv.fr/codes/id/LEGISCTA000032224514/",
-            "ID": "R44470"
-          },
-          "children": [
-            {
-              "type": "element",
-              "name": "Titre",
-              "children": [
-                {
-                  "type": "text",
-                  "text": "Code de la consommation : articles L722-10 à L722-16"
-                }
-              ]
-            },
-            {
-              "type": "element",
-              "name": "Complement",
-              "children": [
-                {
-                  "type": "text",
-                  "text": "Suspension des mesures d'expulsion"
-                }
-              ]
-            }
-          ]
-        },
         {
           "type": "element",
           "name": "Reference",
@@ -4073,7 +1814,7 @@
               "children": [
                 {
                   "type": "text",
-                  "text": "Autres effets de la recevabilité"
+                  "text": "Etat du passif"
                 }
               ]
             }
@@ -4255,41 +1996,6 @@
             }
           ]
         },
-        {
-          "type": "element",
-          "name": "PourEnSavoirPlus",
-          "attributes": {
-            "type": "Information pratique",
-            "ID": "R39916",
-            "URL": "https://www.mesquestionsdargent.fr/intervenants-sociaux-et-pcb/surendettement",
-            "audience": "Particuliers"
-          },
-          "children": [
-            {
-              "type": "element",
-              "name": "Titre",
-              "children": [
-                {
-                  "type": "text",
-                  "text": "Maîtriser l'endettement et le surendettement"
-                }
-              ]
-            },
-            {
-              "type": "element",
-              "name": "Source",
-              "attributes": {
-                "ID": "R30618"
-              },
-              "children": [
-                {
-                  "type": "text",
-                  "text": "Banque de France"
-                }
-              ]
-            }
-          ]
-        },
         {
           "type": "element",
           "name": "PourEnSavoirPlus",