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comment savoir toute mes dettes ?

### How to Know All Your Debts?

Understanding the extent of your debts is a crucial step in mastering your financial situation. Unfortunately, information about debts is not centralized, which means there’s no single file where you can check all your debts at once. Here’s a guide on how to know all your debts and tackle this issue:

#### 1. Back to the Source

The first step in knowing all your debts is to gather all the bills and credit notices you’ve received. These documents hold essential information about the amounts owed and their repayment conditions.

#### 2. Consult the Treasury

If you have debts toward the Treasury, which can include fines, administrative delays, and various other forms of administrative debts, you can request a list of fines and penalties (Liste des Avéances et Condamnations Pénales – BSACP) from the Treasury. This tool gives you an overall view of your debts towards the Treasury.

#### 3. Online Consultation

By subscribing to official online services such as Service-public.fr, you can check your infringement records. This site summarizes the main points of each infringement notice, including the fine amount, the number of penalty points that could be deducted from your license, and the payment deadlines.

#### 4. The Mythical Unique Debt File

Contrary to popular belief, there is no centralized file that groups all a person’s debts, whether minor or major. This means that to determine the extent of your debts, a person would have to carry out a careful search among different creditors, suppliers, and other bodies that might have claims against this person.

#### 5. When Moving

If you recently moved and were unable to return your mail, you may not be aware of the debts you’re actually liable for. In such a case, it is strongly recommended to contact your previous creditors and other payments for updates.

#### 6. Sheriff’s Action

With time, many individuals discover their debts after a move without resolution. Debt collectors, for example, can contact you for debts dating back several years. For this reason, it is crucial not to ignore creditor recall and communications.

In conclusion, knowing all your debts requires careful and systematic research. There’s no single method to get a complete view of your debts, but with good organization and regular follow-ups, it is possible to get a comprehensive picture of your ongoing financial obligations.

Never underestimate your debts or ignorance as a strategy, as this may suggest negligent management and expose you to bad consequences during or after your investigation. It is healthier and more advantageous to precisely and fully inform yourself about your financial situation.

By taking these steps, you can gain control over your financial situation, manage your money wisely, and approach any financial challenges proactively.