French law · Prepare your case, step by step
Prepare a French over-indebtedness file
A French over-indebtedness file should consistently present income, expenses, assets and debts with supporting evidence. Distinguish confirmed, estimated and disputed amounts and explain how the situation developed. The narrative letter does not replace financial tables or documents. This organiser identifies missing information; it does not decide admissibility or suspend obligations simply because the worksheet has been completed.
Go to the organiserWhich situations should I distinguish?
| Situation | Purpose | What to check |
|---|---|---|
| Financial inventory | Present the financial position | Current supporting records |
| Explanatory letter | Describe developments and difficulties | Consistent chronology |
Do the narrative and inventory serve the same purpose?
Distinguish the complete inventory of income, expenses, assets and debts from the letter explaining the situation and how it developed.
Source 1 ↗Source 2 ↗How should uncertain amounts be presented?
Match every declared amount to a recent supporting document and clearly flag estimated, disputed or variable amounts.
Source 1 ↗Source 2 ↗Why distinguish categories of debt?
Separate personal, business and secured debts, and debts already in proceedings, to avoid a misleading presentation.
Source 1 ↗Source 2 ↗What does a worked example show?
A person has drafted the narrative, but the debt list mixes current balances with figures from older letters.
- Task
- Prepare a French over-indebtedness file
- Evidence to locate
- Application form and chronological explanatory letter
- Question to resolve
- How should uncertain amounts be presented?
Date each amount and connect the table to supporting records before finalising the explanation.
Which issues should I examine in my file?
Do the narrative and inventory serve the same purpose?
Read this distinction: Distinguish the complete inventory of income, expenses, assets and debts from the letter explaining the situation and how it developed. Record what your documents establish and what remains uncertain.
How should uncertain amounts be presented?
Read this distinction: Match every declared amount to a recent supporting document and clearly flag estimated, disputed or variable amounts. Record what your documents establish and what remains uncertain.
Why distinguish categories of debt?
Read this distinction: Separate personal, business and secured debts, and debts already in proceedings, to avoid a misleading presentation. Record what your documents establish and what remains uncertain.
How can I prepare this file?
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Read this distinction: Distinguish the complete inventory of income, expenses, assets and debts from the letter explaining the situation and how it developed. Record what your documents establish and what remains uncertain.
What should I know before acting?
Do the narrative and inventory serve the same purpose?
Distinguish the complete inventory of income, expenses, assets and debts from the letter explaining the situation and how it developed.
Source 1 ↗Source 2 ↗How should uncertain amounts be presented?
Match every declared amount to a recent supporting document and clearly flag estimated, disputed or variable amounts.
Source 1 ↗Source 2 ↗Why distinguish categories of debt?
Separate personal, business and secured debts, and debts already in proceedings, to avoid a misleading presentation.
Source 1 ↗Source 2 ↗Which documents make this file useful?
Start by locating these records: Application form and chronological explanatory letter; Evidence of identity, address, family circumstances, income and expenses; Bank statements, contracts, account statements and correspondence from every creditor. Keep unknown or unavailable details marked as such; a checklist is not proof that a document exists.
What does the worked example demonstrate?
A person has drafted the narrative, but the debt list mixes current balances with figures from older letters. Date each amount and connect the table to supporting records before finalising the explanation. This fictional example demonstrates a preparation method, not the outcome of a real case.
Which mistakes can change the analysis?
Avoid these shortcuts: Omitting a creditor, account, asset or disputed debt instead of identifying and explaining it; Submitting figures that are not matched to evidence, or illegible and unsorted documents.
Source 1 ↗Source 2 ↗Does completing the sheet submit a request?
No. The sheet organises your selected issue, available records and own notes. It sends nothing to an authority or another party, calculates no deadline and cannot suspend one. Copy the file and check the applicable procedure before acting. Date each amount and connect the table to supporting records before finalising the explanation.
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