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L'effacement des dettes des particuliers surendettés : une étude empirique des décisions judicaires

Author

Listed:
  • Régis Blazy

    (LARGE - Laboratoire de recherche en gestion et économie - UNISTRA - Université de Strasbourg - L'europe en mutation : histoire, droit, économie et identités culturelles - UNISTRA - Université de Strasbourg - CNRS - Centre National de la Recherche Scientifique)

  • Bertrand Chopard

    (EconomiX - EconomiX - UPN - Université Paris Nanterre - CNRS - Centre National de la Recherche Scientifique)

  • Eric Langlais

    (EconomiX - EconomiX - UPN - Université Paris Nanterre - CNRS - Centre National de la Recherche Scientifique)

  • Ydriss Ziane

    (IAE Paris - Sorbonne Business School)

Abstract

Cet article analyse le mécanisme judiciaire de traitement des situations de surendettement de ménages français. Nous étudions les conditions sous lesquelles un particulier bénéficie d'un effacement de ses dettes en échange d'une liquidation de son patrimoine. Nous réalisons un travail empirique sur la base d'observations issues d'une base de données originale de décisions judiciaires rendues par des tribunaux d'instance de 2003 à 2005. Une hausse de 1 % de la capacité de remboursement du débiteur diminue la probabilité de bénéficier d'une procédure de rétablissement personnel d'un peu plus de 1 %. Au total, l'effacement du passif est décidé de manière assez restrictive par les tribunaux, sur la base de critères ne se limitant pas à une simple appréciation financière de la situation des débiteurs.

Suggested Citation

  • Régis Blazy & Bertrand Chopard & Eric Langlais & Ydriss Ziane, 2013. "L'effacement des dettes des particuliers surendettés : une étude empirique des décisions judicaires," Post-Print hal-01385983, HAL.
    • Handle: RePEc:hal:journl:hal-01385983
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    References listed on IDEAS

    as
    1. Ethan Cohen-Cole & Burcu Duygan-Bump & Judit Montoriol-Garriga, 2009. "Forgive and forget: who gets credit after bankruptcy and why?," Supervisory Research and Analysis Working Papers QAU09-2, Federal Reserve Bank of Boston.
    2. Régis Blazy & Bertrand Chopard & Eric Langlais & Ydriss Ziane, 2013. "Personal Bankruptcy Law, Fresh Starts, and Judicial Practice," Journal of Institutional and Theoretical Economics (JITE), Mohr Siebeck, Tübingen, vol. 169(4), pages 680-702, December.
    3. Scott Fay & Erik Hurst & Michelle J. White, 2002. "The Household Bankruptcy Decision," American Economic Review, American Economic Association, vol. 92(3), pages 706-718, June.
    4. Cécile Bourreau-Dubois & Bertrand Chopard & Ydriss Ziane, 2010. "Analyse du traitement du surendettement des particuliers," Revue française d'économie, Presses de Sciences-Po, vol. 0(3), pages 3-37.
    5. Astrid A. Dick & Andreas Lehnert, 2010. "Personal Bankruptcy and Credit Market Competition," Journal of Finance, American Finance Association, vol. 65(2), pages 655-686, April.
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    7. Henri Fraisse & Anne Muller, 2011. "Les commissions de surendettement des ménages : de l’objectif de négociation à la prévention de la rechute," Économie et Statistique, Programme National Persée, vol. 443(1), pages 3-27.
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    More about this item

    Keywords

    Finance personnelle; Surendettement; Juges; Restructuration de dette; Procédure de rétablissement personnel; Commission de surendettement;
    All these keywords.

    JEL classification:

    • K35 - Law and Economics - - Other Substantive Areas of Law - - - Personal Bankruptcy Law
    • D14 - Microeconomics - - Household Behavior - - - Household Saving; Personal Finance
    • K40 - Law and Economics - - Legal Procedure, the Legal System, and Illegal Behavior - - - General

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