Over-indebtedness is losing ground.
The trend had been downward for several years (-9% on average per year between 2014 and 2019), and the successive confinements and support measures to deal with the pandemic have greatly reduced the figures in this area.
In 2020, observers had noted an exceptional decrease in requests submitted to over-indebtedness commissions (108,731), in particular due to the first confinement.
At the time, their number had indeed fallen by 24% compared to 2019.
Women on the front line
The trend continued a year later.
Thus, 120,968 requests were recorded in 2021, i.e. 15% fewer over-indebtedness files filed with the Banque de France compared to 2019. The majority of cases benefited from debt restructuring or personal recovery measures.
Declining resources and unemployment remain, unsurprisingly, the main causes of over-indebtedness (44%), followed by health concerns (14.5%), separation (14.3%) and, marginally, death in the family ( 3.2%).
Similarly, the profile of people in debt is stable, since women are still the first victims of this financial distress (54%), as are tenants (74.7%).
If there is no age to find themselves in a situation of over-indebtedness, the 35-54 year olds are the most affected (47.8%).
Do you have significant financial difficulties? You can file an over-indebtedness file with the Banque de France directly on its Particuliers.banque-france.fr website or with a local branch.
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Over-indebtedness
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