{"id":2944,"date":"2023-11-09T16:16:43","date_gmt":"2023-11-09T21:16:43","guid":{"rendered":"https:\/\/newrmr.wpengine.com\/?p=2944"},"modified":"2023-11-09T16:44:35","modified_gmt":"2023-11-09T21:44:35","slug":"la-dette-testamentaire-comment-eviter-une-succession-deficitaire","status":"publish","type":"post","link":"https:\/\/bagel.staging.agencealto.ca\/bagel\/la-dette-testamentaire-comment-eviter-une-succession-deficitaire\/","title":{"rendered":"Dette testamentaire: comment \u00e9viter une succession d\u00e9ficitaire"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"2944\" class=\"elementor elementor-2944\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-77e1aa3b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"77e1aa3b\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-405f0c4c\" data-id=\"405f0c4c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5a3e738d elementor-widget elementor-widget-text-editor\" data-id=\"5a3e738d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h6>Consid\u00e9rant l\u2019augmentation de l\u2019endettement chez les personnes \u00e2g\u00e9es, les dettes testamentaires peuvent devenir de plus en plus courantes. Mais, qu\u2019est-ce qu\u2019une dette testamentaire ? Quelles sont les d\u00e9marches \u00e0 entreprendre et comment vous prot\u00e9ger d\u2019une succession d\u00e9ficitaire ?<\/h6>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5fad4c0 elementor-widget elementor-widget-text-editor\" data-id=\"5fad4c0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Une succession d\u00e9ficitaire signifie que la valeur de l\u2019ensemble des biens du d\u00e9funt est insuffisante pour couvrir les dus. Avant d\u2019accepter ou de refuser une succession, il para\u00eet donc crucial d\u2019examiner la condition financi\u00e8re du d\u00e9funt. Cela est d\u2019autant plus vrai si ce dernier \u00e9tait insolvable. De ce fait, ne vous pr\u00e9cipitez pas et attendez plut\u00f4t que le liquidateur ait pr\u00e9par\u00e9 le bilan du d\u00e9funt. Cela vous permettra d\u2019en apprendre davantage sur le montant des dettes \u00e0 honorer ou, encore, sur les cr\u00e9anciers. Vous aurez un d\u00e9lai de 6 mois \u00e0 compter de la date de d\u00e9c\u00e8s pour prendre votre d\u00e9cision.<\/span><\/hp>\n<h3>Accepter une succession<\/h3>\nLorsque vous acceptez une succession, votre d\u00e9cision devient irr\u00e9versible. Aussi, sachant que vous h\u00e9ritez non seulement des biens, mais \u00e9galement de la dette du d\u00e9funt,\u00a0assurez-vous, en premier lieu, que votre situation financi\u00e8re vous permette de vous orienter vers un tel choix. Cela \u00e9tant, la priorit\u00e9 devrait \u00eatre de rembourser les cr\u00e9anciers. Pour ce faire, vous pouvez alors vendre les biens du d\u00e9funt ou, encore, si vous souhaitez les conserver, puiser dans vos \u00e9conomies personnelles. Toujours est-il que vos fonds peuvent \u00eatre insuffisants pour payer l\u2019ensemble des dettes, mais alors, que faire\u00a0?\n<h3><\/h3>\n<h3>Refuser une succession<\/h3>\nSelon le montant de la dette testamentaire \u00e9tablie par le liquidateur, un h\u00e9ritier peut refuser la succession. Cela signifie non seulement qu\u2019il n\u2019a plus aucune responsabilit\u00e9 vis-\u00e0-vis de l\u2019endettement du d\u00e9funt, mais, \u00e9galement, qu\u2019il n\u2019a plus aucun droit sur les actifs.\n<h3><\/h3>\n<h3>D\u00e9poser la faillite<\/h3>\nSachez \u00e9galement que, selon le montant des dettes accumul\u00e9es par le d\u00e9funt, il est possible de mettre la succession en faillite via une cession des biens. Une fois la cession accept\u00e9e, le syndic de faillite prendra en charge la succession. Vous ne serez donc plus responsable des dettes du d\u00e9funt et, de ce fait, vos finances personnelles ne seront aucunement affect\u00e9es par le processus. Le <a href=\"https:\/\/bagel.staging.agencealto.ca\/bagel\/syndic-autorise-en-insolvabilite\/\"><span style=\"text-decoration: underline;\">syndic autoris\u00e9 en insolvabilit\u00e9<\/span><\/a> s\u2019occupera de toutes les d\u00e9marches relatives \u00e0 la liquidation des actifs de la succession et des avis \u00e0 faire parvenir aux cr\u00e9anciers du d\u00e9funt. Bien entendu, en optant pour une telle solution, vous n\u2019h\u00e9ritez alors plus des biens de la personne d\u00e9c\u00e9d\u00e9e. Toutefois, rien ne vous emp\u00eache de les racheter au moment de la vente des biens par le syndic.\n\n<strong>En r\u00e9sum\u00e9, si vous vous retrouvez devant une dette testamentaire, prenez soin d\u2019analyser l\u2019ensemble de la succession et n\u2019h\u00e9sitez pas \u00e0 consulter l\u2019un de nos conseillers. Ces derniers peuvent vous aider avec une dette testamentaire dans le cas o\u00f9 vous avez de la difficult\u00e9 \u00e0 g\u00e9rer les cr\u00e9anciers ou vous souhaitez mettre la succession en faillite.<\/strong>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-389bb7b elementor-widget elementor-widget-text-editor\" data-id=\"389bb7b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-size: 18px; font-style: normal; font-weight: bold;\">Autre article sur ce sujet :\u00a0<\/span><\/p><p><blockquote class=\"wp-embedded-content\" data-secret=\"MCVO1i0cqB\"><a href=\"https:\/\/bagel.staging.agencealto.ca\/bagel\/que-faire-pour-eviter-dheriter-des-dettes-dun-proche\/\">Que faire pour \u00e9viter d\u2019h\u00e9riter des dettes d\u2019un proche?<\/a><\/blockquote><iframe class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; visibility: hidden;\" title=\"&laquo; Que faire pour \u00e9viter d\u2019h\u00e9riter des dettes d\u2019un proche? &raquo; &#8212; Roy M\u00e9tivier Roberge\" src=\"https:\/\/bagel.staging.agencealto.ca\/bagel\/que-faire-pour-eviter-dheriter-des-dettes-dun-proche\/embed\/#?secret=gZ3gwI3ItJ#?secret=MCVO1i0cqB\" data-secret=\"MCVO1i0cqB\" width=\"500\" height=\"282\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f16c971 elementor-widget elementor-widget-text-editor\" data-id=\"f16c971\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h4>Prendre rendez-vous avec l&rsquo;un de nos conseillers Roy M\u00e9tivier Roberge pour discuter de votre situation<\/span><\/h4>\n<p><div class='_form_37'><\/div><script type='text\/javascript' src='https:\/\/roymetivierroberge.activehosted.com\/f\/embed.php?static=0&#038;id=37&#038;69F4BEA7D0F59&#038;nostyles=0&#038;preview=0'><\/script><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Consid\u00e9rant l\u2019augmentation de l\u2019endettement chez les personnes \u00e2g\u00e9es, les dettes testamentaires peuvent devenir de plus en plus courantes. Mais, qu\u2019est-ce qu\u2019une dette testamentaire ? Quelles sont les d\u00e9marches \u00e0 entreprendre et comment [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":17815,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[25],"tags":[96,65,81,60,62,48,61,68],"class_list":["post-2944","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finances-personnelles","tag-assainissement-financier","tag-budget","tag-cartes-de-credit","tag-consommation","tag-credit","tag-endettement","tag-surconsommation","tag-surendettement"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.9 (Yoast SEO v26.9) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>La dette testamentaire: comment \u00e9viter une succession d\u00e9ficitaire<\/title>\n<meta name=\"description\" content=\"Comment vous prot\u00e9ger d\u2019une dette testamentaire qui pourrait vous nuire financi\u00e8rement? D\u00e9couvrez vos options sur notre blogue.\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"fr_CA\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"La dette testamentaire: comment \u00e9viter une succession d\u00e9ficitaire\" \/>\n<meta property=\"og:description\" content=\"Comment vous prot\u00e9ger d\u2019une dette testamentaire qui pourrait vous nuire financi\u00e8rement? D\u00e9couvrez vos options sur notre blogue.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bagel.staging.agencealto.ca\/bagel\/la-dette-testamentaire-comment-eviter-une-succession-deficitaire\/\" \/>\n<meta property=\"og:site_name\" content=\"Roy M\u00e9tivier Roberge\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/rmrsyndics\" \/>\n<meta property=\"article:published_time\" content=\"2023-11-09T21:16:43+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-11-09T21:44:35+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/bagel.staging.agencealto.ca\/bagel\/wp-content\/uploads\/2019\/01\/Peur-dettes-finances.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"628\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Jos\u00e9 Roberge\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Jos\u00e9 Roberge\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimation du temps de lecture\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/bagel.staging.agencealto.ca\/bagel\/la-dette-testamentaire-comment-eviter-une-succession-deficitaire\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/bagel.staging.agencealto.ca\/bagel\/la-dette-testamentaire-comment-eviter-une-succession-deficitaire\/\"},\"author\":{\"name\":\"Jos\u00e9 Roberge\",\"@id\":\"https:\/\/bagel.staging.agencealto.ca\/bagel\/#\/schema\/person\/c58f154845f19e12d3b1949084930cdc\"},\"headline\":\"Dette testamentaire: comment \u00e9viter une succession d\u00e9ficitaire\",\"datePublished\":\"2023-11-09T21:16:43+00:00\",\"dateModified\":\"2023-11-09T21:44:35+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/bagel.staging.agencealto.ca\/bagel\/la-dette-testamentaire-comment-eviter-une-succession-deficitaire\/\"},\"wordCount\":564,\"publisher\":{\"@id\":\"https:\/\/bagel.staging.agencealto.ca\/bagel\/#organization\"},\"image\":{\"@id\":\"https:\/\/bagel.staging.agencealto.ca\/bagel\/la-dette-testamentaire-comment-eviter-une-succession-deficitaire\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/bagel.staging.agencealto.ca\/bagel\/wp-content\/uploads\/2019\/01\/Peur-dettes-finances.jpg\",\"keywords\":[\"assainissement financier\",\"budget\",\"cartes de cr\u00e9dit\",\"consommation\",\"cr\u00e9dit\",\"endettement\",\"surconsommation\",\"surendettement\"],\"articleSection\":[\"Finances personnelles\"],\"inLanguage\":\"fr-CA\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/bagel.staging.agencealto.ca\/bagel\/la-dette-testamentaire-comment-eviter-une-succession-deficitaire\/\",\"url\":\"https:\/\/bagel.staging.agencealto.ca\/bagel\/la-dette-testamentaire-comment-eviter-une-succession-deficitaire\/\",\"name\":\"La dette testamentaire: comment \u00e9viter une succession d\u00e9ficitaire\",\"isPartOf\":{\"@id\":\"https:\/\/bagel.staging.agencealto.ca\/bagel\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/bagel.staging.agencealto.ca\/bagel\/la-dette-testamentaire-comment-eviter-une-succession-deficitaire\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/bagel.staging.agencealto.ca\/bagel\/la-dette-testamentaire-comment-eviter-une-succession-deficitaire\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/bagel.staging.agencealto.ca\/bagel\/wp-content\/uploads\/2019\/01\/Peur-dettes-finances.jpg\",\"datePublished\":\"2023-11-09T21:16:43+00:00\",\"dateModified\":\"2023-11-09T21:44:35+00:00\",\"description\":\"Comment vous prot\u00e9ger d\u2019une dette testamentaire qui pourrait vous nuire financi\u00e8rement? D\u00e9couvrez vos options sur notre blogue.\",\"breadcrumb\":{\"@id\":\"https:\/\/bagel.staging.agencealto.ca\/bagel\/la-dette-testamentaire-comment-eviter-une-succession-deficitaire\/#breadcrumb\"},\"inLanguage\":\"fr-CA\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/bagel.staging.agencealto.ca\/bagel\/la-dette-testamentaire-comment-eviter-une-succession-deficitaire\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-CA\",\"@id\":\"https:\/\/bagel.staging.agencealto.ca\/bagel\/la-dette-testamentaire-comment-eviter-une-succession-deficitaire\/#primaryimage\",\"url\":\"https:\/\/bagel.staging.agencealto.ca\/bagel\/wp-content\/uploads\/2019\/01\/Peur-dettes-finances.jpg\",\"contentUrl\":\"https:\/\/bagel.staging.agencealto.ca\/bagel\/wp-content\/uploads\/2019\/01\/Peur-dettes-finances.jpg\",\"width\":1200,\"height\":628,\"caption\":\"Female healthcare worker holding hands of senior man at care home, focus on hands.\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/bagel.staging.agencealto.ca\/bagel\/la-dette-testamentaire-comment-eviter-une-succession-deficitaire\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\/\/bagel.staging.agencealto.ca\/bagel\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Dette testamentaire: comment \u00e9viter une succession d\u00e9ficitaire\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/bagel.staging.agencealto.ca\/bagel\/#website\",\"url\":\"https:\/\/bagel.staging.agencealto.ca\/bagel\/\",\"name\":\"Roy M\u00e9tivier Roberge\",\"description\":\"Vous, avant tout...\",\"publisher\":{\"@id\":\"https:\/\/bagel.staging.agencealto.ca\/bagel\/#organization\"},\"alternateName\":\"RMR\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/bagel.staging.agencealto.ca\/bagel\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-CA\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/bagel.staging.agencealto.ca\/bagel\/#organization\",\"name\":\"Roy M\u00e9tivier Roberge\",\"alternateName\":\"RMR\",\"url\":\"https:\/\/bagel.staging.agencealto.ca\/bagel\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-CA\",\"@id\":\"https:\/\/bagel.staging.agencealto.ca\/bagel\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/bagel.staging.agencealto.ca\/bagel\/wp-content\/uploads\/2025\/10\/Logo-RMR-250x250px.png\",\"contentUrl\":\"https:\/\/bagel.staging.agencealto.ca\/bagel\/wp-content\/uploads\/2025\/10\/Logo-RMR-250x250px.png\",\"width\":250,\"height\":250,\"caption\":\"Roy M\u00e9tivier Roberge\"},\"image\":{\"@id\":\"https:\/\/bagel.staging.agencealto.ca\/bagel\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/rmrsyndics\",\"https:\/\/www.instagram.com\/roy.metivier.roberge\/\",\"https:\/\/www.linkedin.com\/company\/roy-m-tivier-roberge-syndics\/\",\"https:\/\/www.youtube.com\/channel\/UCMeL51obFqdNvSybGwhZsqw\"],\"description\":\"Roy M\u00e9tivier Roberge trouve des solutions pour surmonter vos difficult\u00e9s financi\u00e8res. Consultation gratuite et confidentielle pour \u00e9viter la faillite\",\"email\":\"info@rmrsyndics.com\",\"telephone\":\"1 844 651-5500\",\"legalName\":\"ROY M\u00c9TIVIER ROBERGE INC.\",\"foundingDate\":\"2000-08-03\",\"numberOfEmployees\":{\"@type\":\"QuantitativeValue\",\"minValue\":\"11\",\"maxValue\":\"50\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/bagel.staging.agencealto.ca\/bagel\/#\/schema\/person\/c58f154845f19e12d3b1949084930cdc\",\"name\":\"Jos\u00e9 Roberge\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-CA\",\"@id\":\"https:\/\/bagel.staging.agencealto.ca\/bagel\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/be00319ea995086de4c7ced60844784b0f72a878c164c1d78dd21b08a333bfd0?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/be00319ea995086de4c7ced60844784b0f72a878c164c1d78dd21b08a333bfd0?s=96&d=mm&r=g\",\"caption\":\"Jos\u00e9 Roberge\"},\"sameAs\":[\"https:\/\/bagel.staging.agencealto.ca\/bagel\/notre-equipe\/jose-roberge\/\"],\"honorificPrefix\":\"M.\",\"honorificSuffix\":\"B.A., PAIR, SAI | Pr\u00e9sident syndic associ\u00e9\",\"birthDate\":\"1967-05-18\",\"gender\":\"male\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"La dette testamentaire: comment \u00e9viter une succession d\u00e9ficitaire","description":"Comment vous prot\u00e9ger d\u2019une dette testamentaire qui pourrait vous nuire financi\u00e8rement? D\u00e9couvrez vos options sur notre blogue.","robots":{"index":"noindex","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"og_locale":"fr_CA","og_type":"article","og_title":"La dette testamentaire: comment \u00e9viter une succession d\u00e9ficitaire","og_description":"Comment vous prot\u00e9ger d\u2019une dette testamentaire qui pourrait vous nuire financi\u00e8rement? D\u00e9couvrez vos options sur notre blogue.","og_url":"https:\/\/bagel.staging.agencealto.ca\/bagel\/la-dette-testamentaire-comment-eviter-une-succession-deficitaire\/","og_site_name":"Roy M\u00e9tivier Roberge","article_publisher":"https:\/\/www.facebook.com\/rmrsyndics","article_published_time":"2023-11-09T21:16:43+00:00","article_modified_time":"2023-11-09T21:44:35+00:00","og_image":[{"width":1200,"height":628,"url":"https:\/\/bagel.staging.agencealto.ca\/bagel\/wp-content\/uploads\/2019\/01\/Peur-dettes-finances.jpg","type":"image\/jpeg"}],"author":"Jos\u00e9 Roberge","twitter_misc":{"\u00c9crit par":"Jos\u00e9 Roberge","Estimation du temps de lecture":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/bagel.staging.agencealto.ca\/bagel\/la-dette-testamentaire-comment-eviter-une-succession-deficitaire\/#article","isPartOf":{"@id":"https:\/\/bagel.staging.agencealto.ca\/bagel\/la-dette-testamentaire-comment-eviter-une-succession-deficitaire\/"},"author":{"name":"Jos\u00e9 Roberge","@id":"https:\/\/bagel.staging.agencealto.ca\/bagel\/#\/schema\/person\/c58f154845f19e12d3b1949084930cdc"},"headline":"Dette testamentaire: comment \u00e9viter une succession d\u00e9ficitaire","datePublished":"2023-11-09T21:16:43+00:00","dateModified":"2023-11-09T21:44:35+00:00","mainEntityOfPage":{"@id":"https:\/\/bagel.staging.agencealto.ca\/bagel\/la-dette-testamentaire-comment-eviter-une-succession-deficitaire\/"},"wordCount":564,"publisher":{"@id":"https:\/\/bagel.staging.agencealto.ca\/bagel\/#organization"},"image":{"@id":"https:\/\/bagel.staging.agencealto.ca\/bagel\/la-dette-testamentaire-comment-eviter-une-succession-deficitaire\/#primaryimage"},"thumbnailUrl":"https:\/\/bagel.staging.agencealto.ca\/bagel\/wp-content\/uploads\/2019\/01\/Peur-dettes-finances.jpg","keywords":["assainissement financier","budget","cartes de cr\u00e9dit","consommation","cr\u00e9dit","endettement","surconsommation","surendettement"],"articleSection":["Finances personnelles"],"inLanguage":"fr-CA"},{"@type":"WebPage","@id":"https:\/\/bagel.staging.agencealto.ca\/bagel\/la-dette-testamentaire-comment-eviter-une-succession-deficitaire\/","url":"https:\/\/bagel.staging.agencealto.ca\/bagel\/la-dette-testamentaire-comment-eviter-une-succession-deficitaire\/","name":"La dette testamentaire: comment \u00e9viter une succession d\u00e9ficitaire","isPartOf":{"@id":"https:\/\/bagel.staging.agencealto.ca\/bagel\/#website"},"primaryImageOfPage":{"@id":"https:\/\/bagel.staging.agencealto.ca\/bagel\/la-dette-testamentaire-comment-eviter-une-succession-deficitaire\/#primaryimage"},"image":{"@id":"https:\/\/bagel.staging.agencealto.ca\/bagel\/la-dette-testamentaire-comment-eviter-une-succession-deficitaire\/#primaryimage"},"thumbnailUrl":"https:\/\/bagel.staging.agencealto.ca\/bagel\/wp-content\/uploads\/2019\/01\/Peur-dettes-finances.jpg","datePublished":"2023-11-09T21:16:43+00:00","dateModified":"2023-11-09T21:44:35+00:00","description":"Comment vous prot\u00e9ger d\u2019une dette testamentaire qui pourrait vous nuire financi\u00e8rement? D\u00e9couvrez vos options sur notre blogue.","breadcrumb":{"@id":"https:\/\/bagel.staging.agencealto.ca\/bagel\/la-dette-testamentaire-comment-eviter-une-succession-deficitaire\/#breadcrumb"},"inLanguage":"fr-CA","potentialAction":[{"@type":"ReadAction","target":["https:\/\/bagel.staging.agencealto.ca\/bagel\/la-dette-testamentaire-comment-eviter-une-succession-deficitaire\/"]}]},{"@type":"ImageObject","inLanguage":"fr-CA","@id":"https:\/\/bagel.staging.agencealto.ca\/bagel\/la-dette-testamentaire-comment-eviter-une-succession-deficitaire\/#primaryimage","url":"https:\/\/bagel.staging.agencealto.ca\/bagel\/wp-content\/uploads\/2019\/01\/Peur-dettes-finances.jpg","contentUrl":"https:\/\/bagel.staging.agencealto.ca\/bagel\/wp-content\/uploads\/2019\/01\/Peur-dettes-finances.jpg","width":1200,"height":628,"caption":"Female healthcare worker holding hands of senior man at care home, focus on hands."},{"@type":"BreadcrumbList","@id":"https:\/\/bagel.staging.agencealto.ca\/bagel\/la-dette-testamentaire-comment-eviter-une-succession-deficitaire\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/bagel.staging.agencealto.ca\/bagel\/"},{"@type":"ListItem","position":2,"name":"Dette testamentaire: comment \u00e9viter une succession d\u00e9ficitaire"}]},{"@type":"WebSite","@id":"https:\/\/bagel.staging.agencealto.ca\/bagel\/#website","url":"https:\/\/bagel.staging.agencealto.ca\/bagel\/","name":"Roy M\u00e9tivier Roberge","description":"Vous, avant tout...","publisher":{"@id":"https:\/\/bagel.staging.agencealto.ca\/bagel\/#organization"},"alternateName":"RMR","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/bagel.staging.agencealto.ca\/bagel\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-CA"},{"@type":"Organization","@id":"https:\/\/bagel.staging.agencealto.ca\/bagel\/#organization","name":"Roy M\u00e9tivier Roberge","alternateName":"RMR","url":"https:\/\/bagel.staging.agencealto.ca\/bagel\/","logo":{"@type":"ImageObject","inLanguage":"fr-CA","@id":"https:\/\/bagel.staging.agencealto.ca\/bagel\/#\/schema\/logo\/image\/","url":"https:\/\/bagel.staging.agencealto.ca\/bagel\/wp-content\/uploads\/2025\/10\/Logo-RMR-250x250px.png","contentUrl":"https:\/\/bagel.staging.agencealto.ca\/bagel\/wp-content\/uploads\/2025\/10\/Logo-RMR-250x250px.png","width":250,"height":250,"caption":"Roy M\u00e9tivier Roberge"},"image":{"@id":"https:\/\/bagel.staging.agencealto.ca\/bagel\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/rmrsyndics","https:\/\/www.instagram.com\/roy.metivier.roberge\/","https:\/\/www.linkedin.com\/company\/roy-m-tivier-roberge-syndics\/","https:\/\/www.youtube.com\/channel\/UCMeL51obFqdNvSybGwhZsqw"],"description":"Roy M\u00e9tivier Roberge trouve des solutions pour surmonter vos difficult\u00e9s financi\u00e8res. Consultation gratuite et confidentielle pour \u00e9viter la faillite","email":"info@rmrsyndics.com","telephone":"1 844 651-5500","legalName":"ROY M\u00c9TIVIER ROBERGE INC.","foundingDate":"2000-08-03","numberOfEmployees":{"@type":"QuantitativeValue","minValue":"11","maxValue":"50"}},{"@type":"Person","@id":"https:\/\/bagel.staging.agencealto.ca\/bagel\/#\/schema\/person\/c58f154845f19e12d3b1949084930cdc","name":"Jos\u00e9 Roberge","image":{"@type":"ImageObject","inLanguage":"fr-CA","@id":"https:\/\/bagel.staging.agencealto.ca\/bagel\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/be00319ea995086de4c7ced60844784b0f72a878c164c1d78dd21b08a333bfd0?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/be00319ea995086de4c7ced60844784b0f72a878c164c1d78dd21b08a333bfd0?s=96&d=mm&r=g","caption":"Jos\u00e9 Roberge"},"sameAs":["https:\/\/bagel.staging.agencealto.ca\/bagel\/notre-equipe\/jose-roberge\/"],"honorificPrefix":"M.","honorificSuffix":"B.A., PAIR, SAI | Pr\u00e9sident syndic associ\u00e9","birthDate":"1967-05-18","gender":"male"}]}},"_links":{"self":[{"href":"https:\/\/bagel.staging.agencealto.ca\/bagel\/wp-json\/wp\/v2\/posts\/2944","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bagel.staging.agencealto.ca\/bagel\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bagel.staging.agencealto.ca\/bagel\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bagel.staging.agencealto.ca\/bagel\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/bagel.staging.agencealto.ca\/bagel\/wp-json\/wp\/v2\/comments?post=2944"}],"version-history":[{"count":0,"href":"https:\/\/bagel.staging.agencealto.ca\/bagel\/wp-json\/wp\/v2\/posts\/2944\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bagel.staging.agencealto.ca\/bagel\/wp-json\/wp\/v2\/media\/17815"}],"wp:attachment":[{"href":"https:\/\/bagel.staging.agencealto.ca\/bagel\/wp-json\/wp\/v2\/media?parent=2944"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bagel.staging.agencealto.ca\/bagel\/wp-json\/wp\/v2\/categories?post=2944"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bagel.staging.agencealto.ca\/bagel\/wp-json\/wp\/v2\/tags?post=2944"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}