{"id":493,"date":"2025-07-26T09:33:00","date_gmt":"2025-07-26T07:33:00","guid":{"rendered":"https:\/\/rachat2credit.fr\/guide\/?p=493"},"modified":"2025-07-25T16:35:33","modified_gmt":"2025-07-25T14:35:33","slug":"surendettement-senior-ces-retraites-pris-au-piege-des-credits-je-ne-pensais-pas-finir-comme-ca","status":"publish","type":"post","link":"https:\/\/rachat2credit.fr\/guide\/surendettement-senior-ces-retraites-pris-au-piege-des-credits-je-ne-pensais-pas-finir-comme-ca\/","title":{"rendered":"Surendettement senior : ces retrait\u00e9s pris au pi\u00e8ge des cr\u00e9dits \u00ab\u00a0Je ne pensais pas finir comme \u00e7a\u00a0\u00bb"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Le ph\u00e9nom\u00e8ne du surendettement chez les seniors prend une ampleur inqui\u00e9tante en France. Des retrait\u00e9s se retrouvent pi\u00e9g\u00e9s par des emprunts contract\u00e9s pour aider leurs proches ou compl\u00e9ter des pensions insuffisantes.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Sommaire<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-6a2fa2d563b99\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"ez-toc-cssicon\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-6a2fa2d563b99\" checked aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/rachat2credit.fr\/guide\/surendettement-senior-ces-retraites-pris-au-piege-des-credits-je-ne-pensais-pas-finir-comme-ca\/#Un_drame_silencieux_qui_toucherait_des_milliers_de_retraites\" >Un drame silencieux qui toucherait des milliers de retrait\u00e9s<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/rachat2credit.fr\/guide\/surendettement-senior-ces-retraites-pris-au-piege-des-credits-je-ne-pensais-pas-finir-comme-ca\/#Les_causes_meconnues_du_surendettement_des_seniors\" >Les causes m\u00e9connues du surendettement des seniors<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/rachat2credit.fr\/guide\/surendettement-senior-ces-retraites-pris-au-piege-des-credits-je-ne-pensais-pas-finir-comme-ca\/#Les_solutions_existantes_mais_meconnues\" >Les solutions existantes mais m\u00e9connues<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/rachat2credit.fr\/guide\/surendettement-senior-ces-retraites-pris-au-piege-des-credits-je-ne-pensais-pas-finir-comme-ca\/#Comment_prevenir_le_risque_de_surendettement\" >Comment pr\u00e9venir le risque de surendettement ?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/rachat2credit.fr\/guide\/surendettement-senior-ces-retraites-pris-au-piege-des-credits-je-ne-pensais-pas-finir-comme-ca\/#Un_enjeu_de_societe_qui_pourrait_saggraver\" >Un enjeu de soci\u00e9t\u00e9 qui pourrait s&rsquo;aggraver<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Un_drame_silencieux_qui_toucherait_des_milliers_de_retraites\"><\/span>Un drame silencieux qui toucherait des milliers de retrait\u00e9s<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Selon des estimations, <strong>plus de 200 000 seniors<\/strong> pourraient \u00eatre concern\u00e9s par des situations de surendettement en France. Un chiffre qui aurait augment\u00e9 de 15% ces cinq derni\u00e8res ann\u00e9es selon certaines associations sp\u00e9cialis\u00e9es.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Michel, 72 ans, t\u00e9moigne : \u00ab\u00a0J&rsquo;ai contract\u00e9 un cr\u00e9dit pour aider mon fils \u00e0 cr\u00e9er son entreprise. Quand il a fait faillite, je me suis retrouv\u00e9 seul \u00e0 rembourser. Avec ma petite retraite, je dois choisir entre manger correctement et payer les \u00e9ch\u00e9ances.\u00a0\u00bb<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Les_causes_meconnues_du_surendettement_des_seniors\"><\/span>Les causes m\u00e9connues du surendettement des seniors<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Contrairement aux id\u00e9es re\u00e7ues, le surendettement des personnes \u00e2g\u00e9es ne serait pas toujours li\u00e9 \u00e0 une mauvaise gestion financi\u00e8re. Plusieurs facteurs sp\u00e9cifiques entreraient en jeu :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>L&rsquo;aide financi\u00e8re aux enfants ou petits-enfants en difficult\u00e9<\/li>\n\n\n\n<li>La sous-estimation des d\u00e9penses de sant\u00e9<\/li>\n\n\n\n<li>Les pensions de retraite insuffisantes face \u00e0 l&rsquo;inflation<\/li>\n\n\n\n<li>Les cr\u00e9dits renouvelables souscrits sans en mesurer les cons\u00e9quences<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Danielle, 68 ans, raconte : \u00ab\u00a0Apr\u00e8s mon divorce, j&rsquo;ai d\u00fb emprunter pour garder mon logement. Les mensualit\u00e9s mangent les trois quarts de ma pension. Je vis avec 400\u20ac par mois pour tout le reste.\u00a0\u00bb<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Les_solutions_existantes_mais_meconnues\"><\/span>Les solutions existantes mais m\u00e9connues<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Face \u00e0 cette situation, des dispositifs sp\u00e9cifiques existeraient pour aider les seniors surendett\u00e9s :<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le <a href=\"https:\/\/www.banque-france.fr\/\" target=\"_blank\" rel=\"noopener\">Fichier national des incidents de remboursement<\/a> permet de signaler les difficult\u00e9s aux \u00e9tablissements financiers. Des commissions de surendettement pourraient \u00e9galement proposer des solutions adapt\u00e9es.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pourtant, selon une \u00e9tude r\u00e9cente, <strong>seuls 35% des seniors concern\u00e9s<\/strong> oseraient franchir le pas de demander de l&rsquo;aide, souvent par honte ou m\u00e9connaissance des solutions.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Comment_prevenir_le_risque_de_surendettement\"><\/span>Comment pr\u00e9venir le risque de surendettement ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Des experts sugg\u00e8rent plusieurs pistes pour \u00e9viter de se retrouver dans cette situation :<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>\u00c9viter de se porter caution sans avoir une vision claire des risques<\/li>\n\n\n\n<li>Demander syst\u00e9matiquement des simulations de capacit\u00e9 de remboursement<\/li>\n\n\n\n<li>Se renseigner sur les aides sociales disponibles<\/li>\n\n\n\n<li>Consulter un conseiller en gestion de patrimoine avant toute d\u00e9cision importante<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Comme le rappelle un responsable d&rsquo;association : \u00ab\u00a0Il n&rsquo;y a pas d&rsquo;\u00e2ge pour se retrouver en difficult\u00e9 financi\u00e8re. L&rsquo;important est d&rsquo;agir vite et de ne pas rester isol\u00e9 face \u00e0 ces probl\u00e8mes.\u00a0\u00bb<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Un_enjeu_de_societe_qui_pourrait_saggraver\"><\/span>Un enjeu de soci\u00e9t\u00e9 qui pourrait s&rsquo;aggraver<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Avec le vieillissement de la population et l&rsquo;augmentation du co\u00fbt de la vie, le ph\u00e9nom\u00e8ne du surendettement des seniors pourrait prendre encore plus d&rsquo;ampleur dans les ann\u00e9es \u00e0 venir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Certains sp\u00e9cialistes alertent d\u00e9j\u00e0 sur les cons\u00e9quences sociales et sanitaires de cette situation : isolement accru, d\u00e9t\u00e9rioration de la sant\u00e9, voire augmentation des suicides chez les personnes \u00e2g\u00e9es en grande d\u00e9tresse financi\u00e8re.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour en savoir plus sur les dispositifs d&rsquo;aide, consultez le <a href=\"https:\/\/www.service-public.fr\/\" target=\"_blank\" rel=\"noopener\">site officiel du service public<\/a> qui recense les solutions disponibles.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><br><br>\u00ab\u00a0`<\/p>\n\n\n<div class=\"kk-star-ratings kksr-auto kksr-align-center kksr-valign-bottom\"\n    data-payload='{&quot;align&quot;:&quot;center&quot;,&quot;id&quot;:&quot;493&quot;,&quot;slug&quot;:&quot;default&quot;,&quot;valign&quot;:&quot;bottom&quot;,&quot;ignore&quot;:&quot;&quot;,&quot;reference&quot;:&quot;auto&quot;,&quot;class&quot;:&quot;&quot;,&quot;count&quot;:&quot;0&quot;,&quot;legendonly&quot;:&quot;&quot;,&quot;readonly&quot;:&quot;&quot;,&quot;score&quot;:&quot;0&quot;,&quot;starsonly&quot;:&quot;&quot;,&quot;best&quot;:&quot;5&quot;,&quot;gap&quot;:&quot;5&quot;,&quot;greet&quot;:&quot;&quot;,&quot;legend&quot;:&quot;0\\\/5 - (0 vote)&quot;,&quot;size&quot;:&quot;24&quot;,&quot;title&quot;:&quot;Surendettement senior : ces retrait\u00e9s pris au pi\u00e8ge des cr\u00e9dits \\u0026quot;Je ne pensais pas finir comme \u00e7a\\u0026quot;&quot;,&quot;width&quot;:&quot;0&quot;,&quot;_legend&quot;:&quot;{score}\\\/{best} - ({count} {votes})&quot;,&quot;font_factor&quot;:&quot;1.25&quot;}'>\n            \n<div class=\"kksr-stars\">\n    \n<div class=\"kksr-stars-inactive\">\n            <div class=\"kksr-star\" data-star=\"1\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"2\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"3\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"4\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"5\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n    <\/div>\n    \n<div class=\"kksr-stars-active\" style=\"width: 0px;\">\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n    <\/div>\n<\/div>\n                \n\n<div class=\"kksr-legend\" style=\"font-size: 19.2px;\">\n            <span class=\"kksr-muted\"><\/span>\n    <\/div>\n    <\/div>\n","protected":false},"excerpt":{"rendered":"<p>Le ph\u00e9nom\u00e8ne du surendettement chez les seniors prend une ampleur inqui\u00e9tante en France. Des retrait\u00e9s se retrouvent pi\u00e9g\u00e9s par des emprunts contract\u00e9s pour aider leurs proches ou compl\u00e9ter des pensions insuffisantes. Un drame silencieux qui toucherait des milliers de retrait\u00e9s Selon des estimations, plus de 200 000 seniors pourraient \u00eatre concern\u00e9s par des situations de &#8230; <a title=\"Surendettement senior : ces retrait\u00e9s pris au pi\u00e8ge des cr\u00e9dits \u00ab\u00a0Je ne pensais pas finir comme \u00e7a\u00a0\u00bb\" class=\"read-more\" href=\"https:\/\/rachat2credit.fr\/guide\/surendettement-senior-ces-retraites-pris-au-piege-des-credits-je-ne-pensais-pas-finir-comme-ca\/\" aria-label=\"En savoir plus sur Surendettement senior : ces retrait\u00e9s pris au pi\u00e8ge des cr\u00e9dits \u00ab\u00a0Je ne pensais pas finir comme \u00e7a\u00a0\u00bb\">Lire plus<\/a><\/p>\n","protected":false},"author":1,"featured_media":498,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[],"class_list":["post-493","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-a-la-une"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Surendettement senior : ces retrait\u00e9s pris au pi\u00e8ge des cr\u00e9dits &quot;Je ne pensais pas finir comme \u00e7a&quot; - Rachat de Cr\u00e9dit<\/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:\/\/rachat2credit.fr\/guide\/surendettement-senior-ces-retraites-pris-au-piege-des-credits-je-ne-pensais-pas-finir-comme-ca\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Surendettement senior : ces retrait\u00e9s pris au pi\u00e8ge des cr\u00e9dits &quot;Je ne pensais pas finir comme \u00e7a&quot; - Rachat de Cr\u00e9dit\" \/>\n<meta property=\"og:description\" content=\"Le ph\u00e9nom\u00e8ne du surendettement chez les seniors prend une ampleur inqui\u00e9tante en France. Des retrait\u00e9s se retrouvent pi\u00e9g\u00e9s par des emprunts contract\u00e9s pour aider leurs proches ou compl\u00e9ter des pensions insuffisantes. Un drame silencieux qui toucherait des milliers de retrait\u00e9s Selon des estimations, plus de 200 000 seniors pourraient \u00eatre concern\u00e9s par des situations de ... 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