{"id":20270,"date":"2026-10-09T13:10:56","date_gmt":"2026-10-09T11:10:56","guid":{"rendered":"https:\/\/rvh-synergie.org\/actualites\/de-plus-en-plus-dallemands-ont-des-problemes-dargent-six-solutions\/"},"modified":"2026-10-09T13:10:57","modified_gmt":"2026-10-09T11:10:57","slug":"de-plus-en-plus-dallemands-ont-des-problemes-dargent-six-solutions","status":"publish","type":"post","link":"https:\/\/rvh-synergie.org\/actualites\/de-plus-en-plus-dallemands-ont-des-problemes-dargent-six-solutions\/","title":{"rendered":"De plus en plus d\u2019Allemands ont des probl\u00e8mes d\u2019argent \u2013 \u200b\u200bsix solutions"},"content":{"rendered":"<p><!--$--><br \/>\n<!--\/--><br \/>\n<!--$--><\/p>\n<nav data-hk=\"0000a124212000a23000\" class=\"TOC mt-xl mb-lg \" data-qa-article-table-of-contents>\n<p class=\"headline-sm mb-sm\">Table des mati\u00e8res<\/p>\n<p><!--$--><\/p>\n<ol data-hk=\"0000a124212000a2300100\" class=\"RUC-List RUC-List--Ordered RUC-List--Theme-Neutral RUC-List--Spacing-MD \">\n<li data-hk=\"0000a124212000a230010200\" class=\"\">1. Assurez d\u2019abord votre existence, puis remboursez vos dettes<\/li>\n<li data-hk=\"0000a124212000a230010210\" class=\"\">2. Contactez le cr\u00e9ancier avant l\u2019arriv\u00e9e du rappel<\/li>\n<li data-hk=\"0000a124212000a230010220\" class=\"\">3. N\u2019ignorez jamais les avis de rappel<\/li>\n<li data-hk=\"0000a124212000a230010230\" class=\"\">4. V\u00e9rifiez les entr\u00e9es Schufa et corrigez les erreurs<\/li>\n<li data-hk=\"0000a124212000a230010240\" class=\"\">5. Obtenez des conseils gratuits en mati\u00e8re d\u2019endettement<\/li>\n<li data-hk=\"0000a124212000a230010250\" class=\"\">6. Consid\u00e9rez la faillite personnelle en dernier recours<\/li>\n<\/ol>\n<p><!--\/--><\/nav>\n<div data-hk=\"0000a124212000a23100\" class=\"Html-Block\" data-qa-article-content-text data-text-milestone-block>\n<p>Cela commence par un smartphone neuf pour 600 euros, payable en douze mensualit\u00e9s. Peu de temps apr\u00e8s, la machine \u00e0 laver tombe en panne et 400 euros suppl\u00e9mentaires sont financ\u00e9s gr\u00e2ce \u00e0 un petit pr\u00eat. Ensuite, il y a quelques achats en ligne sur compte. Chaque versement semble abordable. Mais du coup, il y a un suppl\u00e9ment \u00e9lev\u00e9 pour l&rsquo;\u00e9lectricit\u00e9, tandis que la r\u00e9paration de la voiture co\u00fbte 800 euros suppl\u00e9mentaires. En fin de mois, le salaire ne suffit plus \u00e0 tous les d\u00e9bits. Les premiers versements sont annul\u00e9s, des frais de rappel et des int\u00e9r\u00eats de retard sont ajout\u00e9s. Afin de combler les lacunes, la personne concern\u00e9e contracte un autre emprunt. De nombreuses petites dettes, apparemment inoffensives, se transforment en une spirale financi\u00e8re descendante.<\/p>\n<\/div>\n<aside data-hk=\"0000a124212000a2311004\" data-qa-ad-slot class=\"Ad-Slot Ad-Slot-mobile Ad-Slot-hor Ad-Slot-FC\">\n<div class=\"Ad-Slot-FC-Container \" data-nosnippet=\"https:\/\/www.focus.de\/finanzen\/true\">\n<div class=\"Ad-Slot-FC-Window\">\n<div id=\"ad-slot-mobile-hor-2\" data-orientation=\"hor\" data-index=\"2\" data-slot=\"ad-slot\" data-device=\"mobile\"><\/div>\n<\/div>\n<\/div>\n<\/aside>\n<div data-hk=\"0000a124212000a23120\" class=\"Html-Block\" data-qa-article-content-text data-text-milestone-block>\n<p>Selon les nouveaux chiffres de la Schufa, fin 2025, un adulte sur douze avait d\u00e9j\u00e0 une entr\u00e9e n\u00e9gative, soit un total de 8,1 pour cent, soit plus que l&rsquo;ann\u00e9e pr\u00e9c\u00e9dente.<\/p>\n<\/div>\n<div data-hk=\"0000a124212000a23130\" class=\"Html-Block\" data-qa-article-content-text data-text-milestone-block>\n<p>Mais si vous prenez des mesures \u00e0 temps, vous pouvez \u00e9viter que les goulots d&rsquo;\u00e9tranglement financiers ne se transforment en pi\u00e8ge d&rsquo;endettement permanent &#8211; six \u00e9tapes peuvent vous aider.<\/p>\n<\/div>\n<div data-hk=\"0000a124212000a23140\" id=\"_1-erst-die-existenz-sichern-dann-schulden-begleichen\" class=\"Html-Block\" data-qa-article-content-text data-text-milestone-block>\n<h2>1. Assurez d\u2019abord votre existence, puis remboursez vos dettes<\/h2>\n<p>Si vous ne parvenez plus \u00e0 payer toutes vos factures, vous devez vous fixer des priorit\u00e9s. Le centre de conseil aux consommateurs vous recommande de prendre en charge en priorit\u00e9 les frais qui couvrent votre vie quotidienne : loyer, \u00e9lectricit\u00e9, chauffage, nourriture et m\u00e9dicaments n\u00e9cessaires.<\/p>\n<\/div>\n<aside data-hk=\"0000a124212000a2315004\" data-qa-ad-slot class=\"Ad-Slot Ad-Slot-mobile Ad-Slot-out\">\n<div id=\"ad-slot-mobile-out-1\" data-orientation=\"out\" data-index=\"1\" data-slot=\"ad-slot\" data-device=\"mobile\" data-nosnippet=\"https:\/\/www.focus.de\/finanzen\/true\"><\/div>\n<\/aside>\n<div data-hk=\"0000a124212000a23160\" id=\"_1-erst-die-existenz-sichern-dann-schulden-begleichen\" class=\"Html-Block\" data-qa-article-content-text data-text-milestone-block>\n<p>Quiconque ne rembourse pas un pr\u00eat \u00e0 temp\u00e9rament s\u2019expose \u00e0 des rappels et \u00e0 des frais suppl\u00e9mentaires. En revanche, si vous ne payez pas votre loyer, vous risquez de mettre votre appartement en danger.<\/p>\n<\/div>\n<div data-hk=\"0000a124212000a23170\" class=\"Ad-Carousel mb-xl row \" data-nosnippet=\"https:\/\/www.focus.de\/finanzen\/true\">\n<div data-hk=\"0000a124212000a231710\" class=\"col-lg-4\">\n<div data-hk=\"0000a124212000a231711004\" data-qa-ad-slot=\"https:\/\/www.focus.de\/finanzen\/true\" class=\"Ad-Slot Ad-Slot-desktop Ad-Slot-ver \" role=\"region\" aria-label=\"Anzeige 1\" data-nosnippet=\"https:\/\/www.focus.de\/finanzen\/true\">\n<div id=\"ad-slot-desktop-ver-1\" data-orientation=\"ver\" data-index=\"1\" data-slot=\"ad-slot\" data-device=\"desktop\"><\/div>\n<\/div>\n<\/div>\n<div data-hk=\"0000a124212000a231712\" class=\"col-lg-4\">\n<aside data-hk=\"0000a124212000a231713004\" data-qa-ad-slot class=\"Ad-Slot Ad-Slot-desktop Ad-Slot-ver Ad-Slot-FC\">\n<div class=\"Ad-Slot-FC-Container \" data-nosnippet=\"https:\/\/www.focus.de\/finanzen\/true\">\n<div class=\"Ad-Slot-FC-Window\">\n<div id=\"ad-slot-desktop-ver-2\" data-orientation=\"ver\" data-index=\"2\" data-slot=\"ad-slot\" data-device=\"desktop\"><\/div>\n<\/div>\n<\/div>\n<\/aside>\n<\/div>\n<div data-hk=\"0000a124212000a231714\" class=\"col-lg-4\">\n<div data-hk=\"0000a124212000a231715004\" data-qa-ad-slot=\"https:\/\/www.focus.de\/finanzen\/true\" class=\"Ad-Slot Ad-Slot-desktop Ad-Slot-ver \" role=\"region\" aria-label=\"Anzeige 3\" data-nosnippet=\"https:\/\/www.focus.de\/finanzen\/true\">\n<div id=\"ad-slot-desktop-ver-3\" data-orientation=\"ver\" data-index=\"3\" data-slot=\"ad-slot\" data-device=\"desktop\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<div data-hk=\"0000a124212000a23180\" id=\"_1-erst-die-existenz-sichern-dann-schulden-begleichen\" class=\"Html-Block\" data-qa-article-content-text data-text-milestone-block>\n<p>Les personnes concern\u00e9es doivent ensuite \u00e9num\u00e9rer toutes leurs dettes : \u00e0 qui doivent-elles de l&rsquo;argent, quel est le montant impay\u00e9, quels int\u00e9r\u00eats sont dus et quand les prochaines \u00e9ch\u00e9ances sont-elles dues ? Un livre budg\u00e9taire montre combien d\u2019argent il reste r\u00e9ellement apr\u00e8s les d\u00e9penses essentielles.<\/p>\n<\/div>\n<aside data-hk=\"0000a124212000a2319004\" data-qa-ad-slot class=\"Ad-Slot Ad-Slot-mobile Ad-Slot-hor\">\n<div id=\"ad-slot-mobile-hor-3\" data-orientation=\"hor\" data-index=\"3\" data-slot=\"ad-slot\" data-device=\"mobile\" data-nosnippet=\"https:\/\/www.focus.de\/finanzen\/true\"><\/div>\n<\/aside>\n<div data-hk=\"0000a124212000a231a100\" id=\"_2-gl\u00e4ubiger-kontaktieren-bevor-die-mahnung-kommt\" class=\"Html-Block\" data-qa-article-content-text data-text-milestone-block>\n<h2>2. Contactez le cr\u00e9ancier avant l\u2019arriv\u00e9e du rappel<\/h2>\n<p>Si une facture ne peut pas \u00eatre pay\u00e9e, les personnes concern\u00e9es doivent, si possible, contacter l&rsquo;entreprise avant l&rsquo;expiration du d\u00e9lai de paiement. Des paiements diff\u00e9r\u00e9s ou des mensualit\u00e9s plus petites peuvent souvent \u00eatre convenus.<\/p>\n<\/div>\n<div data-hk=\"0000a124212000a231a110\" id=\"_2-gl\u00e4ubiger-kontaktieren-bevor-die-mahnung-kommt\" class=\"Html-Block\" data-qa-article-content-text data-text-milestone-block>\n<p>Il est crucial de s\u2019engager uniquement sur des versements pouvant \u00eatre financ\u00e9s \u00e0 long terme. Le centre de conseil aux consommateurs met \u00e9galement en garde contre la signature trop rapide d\u2019accords de recouvrement de cr\u00e9ances. Des frais suppl\u00e9mentaires ou un aveu de culpabilit\u00e9 peuvent aggraver la situation. Les accords doivent \u00eatre consign\u00e9s par \u00e9crit.<\/p>\n<\/div>\n<aside data-hk=\"0000a124212000a231a12004\" data-qa-ad-slot class=\"Ad-Slot Ad-Slot-mobile Ad-Slot-hor\">\n<div id=\"ad-slot-mobile-hor-4\" data-orientation=\"hor\" data-index=\"4\" data-slot=\"ad-slot\" data-device=\"mobile\" data-nosnippet=\"https:\/\/www.focus.de\/finanzen\/true\"><\/div>\n<\/aside>\n<div data-hk=\"0000a124212000a231a130\" id=\"_3-mahnbescheide-niemals-ignorieren\" class=\"Html-Block\" data-qa-article-content-text data-text-milestone-block>\n<h2>3. N\u2019ignorez jamais les avis de rappel<\/h2>\n<p>Une diligence particuli\u00e8re est requise lorsqu\u2019une d\u00e9cision de justice arrive. Selon le centre de conseil aux consommateurs, vous disposez g\u00e9n\u00e9ralement de deux semaines \u00e0 compter de la livraison pour vous opposer \u00e0 une r\u00e9clamation injustifi\u00e9e.<\/p>\n<\/div>\n<div data-hk=\"0000a124212000a231a140\" id=\"_3-mahnbescheide-niemals-ignorieren\" class=\"Html-Block\" data-qa-article-content-text data-text-milestone-block>\n<p>Ceci est important car le tribunal ne v\u00e9rifie pas si la cr\u00e9ance existe r\u00e9ellement lors de l&rsquo;\u00e9mission de l&rsquo;ordre de paiement. Si vous ne r\u00e9pondez pas, vous risquez une mise en demeure et finalement une saisie. Les co\u00fbts de collecte excessifs doivent \u00e9galement \u00eatre contr\u00f4l\u00e9s.<\/p>\n<\/div>\n<aside data-hk=\"0000a124212000a231a15004\" data-qa-ad-slot class=\"Ad-Slot Ad-Slot-mobile Ad-Slot-hor\">\n<div id=\"ad-slot-mobile-hor-5\" data-orientation=\"hor\" data-index=\"5\" data-slot=\"ad-slot\" data-device=\"mobile\" data-nosnippet=\"https:\/\/www.focus.de\/finanzen\/true\"><\/div>\n<\/aside>\n<aside data-hk=\"0000a124212000a231a16004\" data-qa-ad-slot class=\"Ad-Slot Ad-Slot-desktop Ad-Slot-hor Ad-Slot-FC\">\n<div class=\"Ad-Slot-FC-Container \" data-nosnippet=\"https:\/\/www.focus.de\/finanzen\/true\">\n<div class=\"Ad-Slot-FC-Window\">\n<div id=\"ad-slot-desktop-hor-2\" data-orientation=\"hor\" data-index=\"2\" data-slot=\"ad-slot\" data-device=\"desktop\"><\/div>\n<\/div>\n<\/div>\n<\/aside>\n<div data-hk=\"0000a124212000a231a170\" id=\"_4-schufa-eintr\u00e4ge-pr\u00fcfen-und-fehler-korrigieren\" class=\"Html-Block\" data-qa-article-content-text data-text-milestone-block>\n<h2>4. V\u00e9rifiez les entr\u00e9es Schufa et corrigez les erreurs<\/h2>\n<p>Une entr\u00e9e n\u00e9gative peut rendre plus difficile la recherche d\u2019un appartement, la souscription d\u2019un contrat de t\u00e9l\u00e9phonie mobile ou la souscription d\u2019un emprunt. Cependant, toutes les candidatures ne sont pas \u00e9ligibles.<\/p>\n<\/div>\n<div data-hk=\"0000a124212000a231a180\" id=\"_4-schufa-eintr\u00e4ge-pr\u00fcfen-und-fehler-korrigieren\" class=\"Html-Block\" data-qa-article-content-text data-text-milestone-block>\n<p>Conform\u00e9ment \u00e0 l&rsquo;article 15 du r\u00e8glement g\u00e9n\u00e9ral sur la protection des donn\u00e9es, les consommateurs peuvent demander gratuitement une copie de leurs donn\u00e9es \u00e0 Schufa. S&rsquo;il contient des informations incorrectes, les personnes concern\u00e9es doivent demander \u00e0 l&rsquo;agence de cr\u00e9dit et \u00e0 l&rsquo;entreprise d\u00e9clarante de les corriger. Pendant qu&rsquo;une inscription contest\u00e9e est v\u00e9rifi\u00e9e, Schufa doit emp\u00eacher sa transmission. Toutefois, les inscriptions n\u00e9gatives l\u00e9gitimes ne disparaissent pas automatiquement lors du paiement.<\/p>\n<\/div>\n<aside data-hk=\"0000a124212000a231a19004\" data-qa-ad-slot class=\"Ad-Slot Ad-Slot-mobile Ad-Slot-hor\">\n<div id=\"ad-slot-mobile-hor-6\" data-orientation=\"hor\" data-index=\"6\" data-slot=\"ad-slot\" data-device=\"mobile\" data-nosnippet=\"https:\/\/www.focus.de\/finanzen\/true\"><\/div>\n<\/aside>\n<div data-hk=\"0000a124212000a231a200\" id=\"_5-kostenlose-schuldnerberatung-einschalten\" class=\"Html-Block\" data-qa-article-content-text data-text-milestone-block>\n<h2>5. Obtenez des conseils gratuits en mati\u00e8re d\u2019endettement<\/h2>\n<p>Si les dettes augmentent plus vite qu\u2019elles ne peuvent \u00eatre rembours\u00e9es, l\u2019aide d\u2019un professionnel est logique. Les centres de conseil \u00e0 but non lucratif vous aident \u00e0 examiner les sinistres, \u00e0 \u00e9tablir des budgets et \u00e0 n\u00e9gocier avec les cr\u00e9anciers.<\/p>\n<\/div>\n<div data-hk=\"0000a124212000a231a210\" id=\"_5-kostenlose-schuldnerberatung-einschalten\" class=\"Html-Block\" data-qa-article-content-text data-text-milestone-block>\n<p>Les points de contact incluent Caritas, Diakonie, l&rsquo;aide sociale aux travailleurs et les conseils en mati\u00e8re d&rsquo;endettement municipal. Les offres sont souvent gratuites. Les personnes concern\u00e9es peuvent trouver des structures adapt\u00e9es en utilisant la recherche des centres de conseil du Groupe de travail f\u00e9d\u00e9ral pour le conseil en mati\u00e8re de dettes. En raison des longs d\u00e9lais d&rsquo;attente, une inscription anticip\u00e9e est recommand\u00e9e.<\/p>\n<\/div>\n<aside data-hk=\"0000a124212000a231a22004\" data-qa-ad-slot class=\"Ad-Slot Ad-Slot-mobile Ad-Slot-hor\">\n<div id=\"ad-slot-mobile-hor-7\" data-orientation=\"hor\" data-index=\"7\" data-slot=\"ad-slot\" data-device=\"mobile\" data-nosnippet=\"https:\/\/www.focus.de\/finanzen\/true\"><\/div>\n<\/aside>\n<div data-hk=\"0000a124212000a231a230\" id=\"_5-kostenlose-schuldnerberatung-einschalten\" class=\"Html-Block\" data-qa-article-content-text data-text-milestone-block>\n<p>S&rsquo;il existe d\u00e9j\u00e0 une menace de saisie de compte, un compte prot\u00e9g\u00e9 contre les saisies peut \u00e9galement \u00eatre utile. Selon le centre de conseil aux consommateurs, il prot\u00e8ge actuellement 1 590 euros par mois. Par exemple, toute personne qui s&rsquo;occupe d&rsquo;enfants ou paie une pension alimentaire peut pr\u00e9tendre \u00e0 une allocation plus \u00e9lev\u00e9e. Cela n\u00e9cessite g\u00e9n\u00e9ralement un certificat soumis \u00e0 la banque.<\/p>\n<\/div>\n<aside data-hk=\"0000a124212000a231a24004\" data-qa-ad-slot class=\"Ad-Slot Ad-Slot-desktop Ad-Slot-out\">\n<div id=\"ad-slot-desktop-out-1\" data-orientation=\"out\" data-index=\"1\" data-slot=\"ad-slot\" data-device=\"desktop\" data-nosnippet=\"https:\/\/www.focus.de\/finanzen\/true\"><\/div>\n<\/aside>\n<div data-hk=\"0000a124212000a231a250\" id=\"_6-privatinsolvenz-als-letzten-ausweg-pr\u00fcfen\" class=\"Html-Block\" data-qa-article-content-text data-text-milestone-block>\n<h2>6. Consid\u00e9rez la faillite personnelle en dernier recours<\/h2>\n<p>Si les dettes ne sont plus tenables, la faillite des consommateurs peut permettre un nouveau d\u00e9part \u00e9conomique.<\/p>\n<\/div>\n<aside data-hk=\"0000a124212000a231a26004\" data-qa-ad-slot class=\"Ad-Slot Ad-Slot-mobile Ad-Slot-hor\">\n<div id=\"ad-slot-mobile-hor-8\" data-orientation=\"hor\" data-index=\"8\" data-slot=\"ad-slot\" data-device=\"mobile\" data-nosnippet=\"https:\/\/www.focus.de\/finanzen\/true\"><\/div>\n<\/aside>\n<div data-hk=\"0000a124212000a231a270\" id=\"_6-privatinsolvenz-als-letzten-ausweg-pr\u00fcfen\" class=\"Html-Block\" data-qa-article-content-text data-text-milestone-block>\n<p>Selon le minist\u00e8re f\u00e9d\u00e9ral de la Justice, le processus jusqu&rsquo;\u00e0 l&rsquo;apurement de la dette r\u00e9siduelle prend g\u00e9n\u00e9ralement trois ans \u00e0 compter de l&rsquo;ouverture. Entre-temps, les personnes concern\u00e9es doivent restituer leurs revenus saisissables et remplir certaines obligations. <\/p>\n<\/div>\n<div data-hk=\"0000a124212000a231a280\" id=\"_6-privatinsolvenz-als-letzten-ausweg-pr\u00fcfen\" class=\"Html-Block\" data-qa-article-content-text data-text-milestone-block>\n<p>Une tentative de r\u00e8glement \u00e0 l\u2019amiable avec les cr\u00e9anciers est requise au pr\u00e9alable. Tous les types de dettes ne sont pas annul\u00e9s. Des conseils en mati\u00e8re d\u2019endettement reconnus vous aideront \u00e0 prendre la d\u00e9cision.<\/p>\n<\/div>\n<aside data-hk=\"0000a124212000a231a29004\" data-qa-ad-slot class=\"Ad-Slot Ad-Slot-mobile Ad-Slot-hor\">\n<div id=\"ad-slot-mobile-hor-9\" data-orientation=\"hor\" data-index=\"9\" data-slot=\"ad-slot\" data-device=\"mobile\" data-nosnippet=\"https:\/\/www.focus.de\/finanzen\/true\"><\/div>\n<\/aside>\n<div data-hk=\"0000a124212000a231a300\" id=\"_6-privatinsolvenz-als-letzten-ausweg-pr\u00fcfen\" class=\"Html-Block\" data-qa-article-content-text data-text-milestone-block>\n<p>\u00c0 partir du 20 novembre 2026, des contr\u00f4les de solvabilit\u00e9 plus stricts s\u2019appliqueront \u00e9galement \u00e0 de nombreux petits pr\u00eats et achats pay\u00e9s ult\u00e9rieurement. Cela peut \u00e9viter de nouveaux probl\u00e8mes d\u2019endettement. Toutefois, la r\u00e9forme ne r\u00e9sout pas les responsabilit\u00e9s existantes.<\/p>\n<\/div>\n<div data-hk=\"0000a124212000a231a310\" id=\"_6-privatinsolvenz-als-letzten-ausweg-pr\u00fcfen\" class=\"Html-Block\" data-qa-article-content-text data-text-milestone-block>\n<p>C\u2019est pr\u00e9cis\u00e9ment pour cela que l\u2019\u00e9tape la plus importante est de ne pas contracter un nouveau cr\u00e9dit le plus rapidement possible. La cl\u00e9 est de reprendre le contr\u00f4le des dettes existantes.<\/p>\n<\/div>\n<div data-hk=\"0000a124212000a231a320\" class=\"Article-ReusableText Html-Block\" data-qa-article-reusable-content-text><!--$--><!--\/--><!--$--><!--\/--><\/p>\n<div>\n<h2>Comment configurer FOCUS en ligne comme source pr\u00e9f\u00e9r\u00e9e sur Google<\/h2>\n<p>Souhaitez-vous ajouter FOCUS en ligne comme source pr\u00e9f\u00e9r\u00e9e sur Google\u00a0? Un compte Google est requis pour ce param\u00e8tre. Le param\u00e9trage lui-m\u00eame ne n\u00e9cessite que quelques clics. Ce lien direct vous m\u00e8nera aux param\u00e8tres source de votre compte Google. Nous avons d\u00e9j\u00e0 s\u00e9lectionn\u00e9 FOCUS en ligne pour vous ici &#8211; il vous suffit de cocher la case vous-m\u00eame.<\/p>\n<\/div>\n<\/div>\n<p><!--\/--><br \/>\n<!--$--><br \/>\n<!--\/--><br \/>\n<!--$--><br \/>\n<!--\/--><br \/>\n<!--$--><br \/>\n<!--\/--><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Table des mati\u00e8res 1. Assurez d\u2019abord votre existence, puis remboursez vos dettes 2. Contactez le<\/p>\n","protected":false},"author":1,"featured_media":20271,"comment_status":"open","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[117],"tags":[7881,8581,16,66,1248,6427],"class_list":["post-20270","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-parentalite-enfance","tag-dallemands","tag-dargent","tag-des","tag-ont","tag-problemes","tag-solutions","generate-columns","tablet-grid-50","mobile-grid-100","grid-parent","grid-50","resize-featured-image"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>De plus en plus d\u2019Allemands ont des probl\u00e8mes d\u2019argent \u2013 \u200b\u200bsix solutions - RVH-Synergie.org<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/rvh-synergie.org\/actualites\/de-plus-en-plus-dallemands-ont-des-problemes-dargent-six-solutions\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"De plus en plus d\u2019Allemands ont des probl\u00e8mes d\u2019argent \u2013 \u200b\u200bsix solutions - RVH-Synergie.org\" \/>\n<meta property=\"og:description\" content=\"Table des mati\u00e8res 1. Assurez d\u2019abord votre existence, puis remboursez vos dettes 2. 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