{"id":15458,"date":"2017-03-08T22:28:36","date_gmt":"2017-03-08T21:28:36","guid":{"rendered":"https:\/\/acc.creditexpo.be\/\/fr\/?post_type=creditex_nieuws&p=15458"},"modified":"2017-06-06T11:24:37","modified_gmt":"2017-06-06T09:24:37","slug":"une-solution-simple-contre-la-prescription","status":"publish","type":"post","link":"https:\/\/acc.creditexpo.be\/fr\/une-solution-simple-contre-la-prescription\/","title":{"rendered":"Une solution simple contre la prescription"},"content":{"rendered":"

Un credit manager est malheureusement confront\u00e9 \u00e0 des cr\u00e9ances sur lesquelles aucun paiement n’a \u00e9t\u00e9 effectu\u00e9. Dans ces conditions, il est essentiel de tenir \u00e0 l’\u0153il le d\u00e9lai de prescription et de \u00ab l’interrompre \u00bb si n\u00e9cessaire.<\/span><\/p>\n

R\u00e8gle g\u00e9n\u00e9rale<\/strong><\/p>\n

Les d\u00e9lais de prescription sont inscrits dans le Code civil. Pour les textes complets, je vous invite \u00e0 consulter le Livre III, Titre XX: Prescription, articles 2228-2280. La r\u00e8gle g\u00e9n\u00e9rale en mati\u00e8re de prescription des actions personnelles est la suivante : une cr\u00e9ance est prescrite au bout de 10 ans. Un principe admirable, car le l\u00e9gislateur souhaite emp\u00eacher que le citoyen ne soit invit\u00e9 \u00e0 ex\u00e9cuter un paiement apr\u00e8s plusieurs ann\u00e9es sans communication \u00e0 ce sujet.<\/p>\n

Exceptions<\/strong><\/p>\n

Malheureusement (vive la simplification administrative), il existe de nombreuses exceptions \u00e0 cette r\u00e8gle simple. Voici un aper\u00e7u des d\u00e9lais de prescription les plus courants en droit civil :<\/p>\n

Location <\/em>
\n\u2022 Loyers impay\u00e9s : 5 ans (2277 C.C.)
\n\u2022 Retard dans l’indexation du prix du loyer : 1 an (2273 C.C.)
\n\u2022 Loyer pay\u00e9 en trop : 1 an (1728 C.C.)<\/p>\n

Factures <\/em>
\n\u2022 Services \u00e0 la collectivit\u00e9 (eau, gaz, \u00e9lectricit\u00e9, GSM,…) : 5 ans (2277 C.C.)
\n\u2022 Primes d’assurance : 3 ans (article 34 de la loi sur le contrat d’assurance terrestre)
\n\u2022 Frais m\u00e9dicaux (factures d’h\u00f4pital) 2 ans (2277bis C.C.)
\nPr\u00eat : <\/em>
\n\u2022 concernant le principal : 10 ans (2262bis C.C.)
\n\u2022 concernant les int\u00e9r\u00eats : 5 ans (2277 C.C.)<\/p>\n

Responsabilit\u00e9 <\/em>
\n\u2022 Responsabilit\u00e9 de l’entrepreneur ou de l’architecte pour les gros travaux : 10 ans (2270 C.C.)
\n\u2022 Sinistre extracontractuel (indemnisation \u00e0 la suite d’accidents de la circulation, de coups et de blessures,…) : 5 ans (2262bis C.C.)<\/p>\n

Autres <\/em>
\n\u2022 Cr\u00e9ances alimentaires : 5 ans (2277 C.C.)
\n\u2022 En cas de vente de biens mobiliers \u00e0 des particuliers : 1 an (2272 C.C.)
\n\u2022 Paiement indu : 10 ans (2262bis C.C.)<\/p>\n

Vous devez bien \u00e9videmment savoir exactement sur quoi porte la cr\u00e9ance pour conna\u00eetre le d\u00e9lai de prescription.<\/p>\n

Interruption de la prescription<\/strong><\/p>\n

Vous pouvez arr\u00eater la prescription. En langage juridique, on parle d’ \u00ab interruption de la prescription \u00bb. Il existe 4 possibilit\u00e9s:<\/p>\n

\u2022 une convocation devant la justice
\n\u2022 un ordre de paiement
\n\u2022 une saisie, signifi\u00e9e \u00e0 la personne que l’on veut emp\u00eacher d’obtenir la prescription
\n\u2022 une reconnaissance de dette.<\/p>\n

Il existe en outre une r\u00e8gle stipulant que la mise en demeure envoy\u00e9e au cr\u00e9ancier domicili\u00e9 en Belgique par courrier recommand\u00e9 avec accus\u00e9 de r\u00e9ception par (1) l’avocat du cr\u00e9ancier, (2) l’huissier d\u00e9sign\u00e9 par le cr\u00e9ancier ou (3) le repr\u00e9sentant d’une organisation professionnelle ou d’une institution sociale en particulier, interrompt la prescription. Ce courrier prolonge le d\u00e9lai de prescription d’un an maximum.<\/p>\n

Qu’en est-il en cas de paiement?<\/strong><\/p>\n

L’ex\u00e9cution de paiements est souvent cit\u00e9e en tant que reconnaissance de dette. La pratique d\u00e9montre cependant que la situation n’est pas aussi claire. Lorsqu’un d\u00e9biteur a r\u00e9guli\u00e8rement effectu\u00e9 des paiements, le juge reconna\u00eet bien souvent l’existence d’un contrat. N\u00e9anmoins, cette reconnaissance n’interrompt pas le d\u00e9lai de prescription des factures li\u00e9es \u00e0 ce contrat.<\/p>\n

Faites le n\u00e9cessaire<\/strong><\/p>\n

Par cons\u00e9quent, si vous souhaitez \u00e9viter de lancer une action en justice pour prot\u00e9ger votre cr\u00e9ance, il est pr\u00e9f\u00e9rable que vous \u00e9tablissiez un document demandant au d\u00e9biteur de reconna\u00eetre sa dette. Il peut s’agir d’un simple courrier \u00e0 renvoyer. Vous ne pouvez exiger cette reconnaissance ni la lier \u00e0 une condition. Vous pouvez cependant expliquer au d\u00e9biteur les raisons de votre demande et l’avantage que le d\u00e9biteur en retire. Le d\u00e9biteur b\u00e9n\u00e9ficie ainsi, par exemple, d’un d\u00e9lai suppl\u00e9mentaire pour rembourser sa dette, sans les frais suppl\u00e9mentaires de la proc\u00e9dure en justice. Une situation qui est clairement \u00e0 l’avantage de tous. Les entreprises n\u2019utilisent pas assez ce moyen juridique simple pour prot\u00e9ger la valeur de leurs cr\u00e9ances.<\/p>\n

Steven Penne<\/strong><\/p>\n

\"Steven<\/p>\n

\"work<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Un credit manager est malheureusement confront\u00e9 \u00e0 des cr\u00e9ances sur lesquelles aucun paiement n’a \u00e9t\u00e9 effectu\u00e9. Dans ces conditions, il est essentiel de tenir \u00e0 l’\u0153il le d\u00e9lai de prescription et de \u00ab l’interrompre \u00bb si n\u00e9cessaire. R\u00e8gle g\u00e9n\u00e9rale Les d\u00e9lais de prescription sont inscrits dans le Code civil. 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