{"id":3404,"date":"2026-03-10T16:54:31","date_gmt":"2026-03-10T15:54:31","guid":{"rendered":"https:\/\/www.apeldoorn.nl\/regelen-en-weten\/werk-inkomen-en-uitkering\/hulp-bij-geldzorgen-en-schulden\/"},"modified":"2026-06-30T13:44:53","modified_gmt":"2026-06-30T11:44:53","slug":"hulp-bij-geldzorgen-en-schulden","status":"publish","type":"page","link":"https:\/\/www.apeldoorn.nl\/fr\/regelen-en-weten\/werk-inkomen-en-uitkering\/hulp-bij-geldzorgen-en-schulden\/","title":{"rendered":"Aide en cas de difficult\u00e9s financi\u00e8res et d'endettement"},"content":{"rendered":"<div data-acfblock=\"Uitklapper-1\" class=\"section section--grey\">\r\n\t<div class=\"container\">\r\n\t\t<div class=\"row justify-content-center\">\r\n\t\t\t<div class=\"col editor  elementOnTop\">\r\n\t\t\t\t<div class=\"accordion\" id=\"accordion1\">\r\n\t\t<div class=\"accordion-item\">\n\t\t  <h2 class=\"accordion-header\" id=\"heading-u1-i1\">\n\t\t\t<button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapse-u1-i1\" aria-expanded=\"false\" aria-controls=\"collapse-u1-i1\">\n\t\t\t  <span class=\"accordion-toggle\"><\/span>La commune d'Apeldoorn est affili\u00e9e au \u00ab Schuldenknooppunt \u00bb\t\t\t<\/button>\n\t\t  <\/h2>\n\t\t  <div id=\"collapse-u1-i1\" class=\"accordion-collapse collapse\" aria-labelledby=\"heading-u1-i1\">\n\t\t\t<div class=\"accordion-body\">\n\t\t\t  <p>La commune d'Apeldoorn collabore avec le <a class=\"external\" href=\"https:\/\/www.schuldenknooppunt.nl\/\">Centre d'aide aux personnes endett\u00e9es<\/a>. Il s'agit d'un site web s\u00e9curis\u00e9 qui nous permet de partager rapidement et facilement des informations avec nos cr\u00e9anciers, tels que les banques et les entreprises.<\/p>\n<p>Cela nous permet d'aider plus efficacement et plus rapidement les habitants qui rencontrent des difficult\u00e9s financi\u00e8res.<\/p>\n\t\t\t<\/div>\n\t\t  <\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"accordion-item\">\n\t\t  <h2 class=\"accordion-header\" id=\"heading-u1-i2\">\n\t\t\t<button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapse-u1-i2\" aria-expanded=\"false\" aria-controls=\"collapse-u1-i2\">\n\t\t\t  <span class=\"accordion-toggle\"><\/span>Demande\t\t\t<\/button>\n\t\t  <\/h2>\n\t\t  <div id=\"collapse-u1-i2\" class=\"accordion-collapse collapse\" aria-labelledby=\"heading-u1-i2\">\n\t\t\t<div class=\"accordion-body\">\n\t\t\t  <p>Samen055 vous aide \u00e0 :<\/p>\n<ul>\n<li>avoir une vue d'ensemble de vos revenus et de vos d\u00e9penses ;<\/li>\n<li>mettre en place un accompagnement budg\u00e9taire ou un coaching budg\u00e9taire ;<\/li>\n<li>la prise en charge temporaire ou \u00e0 long terme des paiements et de la comptabilit\u00e9 ;<\/li>\n<li>convenir d'un \u00e9chelonnement de paiement r\u00e9alisable ;<\/li>\n<li>v\u00e9rifier les majorations appliqu\u00e9es par l'administration fiscale ;<\/li>\n<li>demander une allocation ou b\u00e9n\u00e9ficier d'un dispositif municipal ;<\/li>\n<li>demander un pr\u00eat pour r\u00e9gler les arri\u00e9r\u00e9s de paiement ;<\/li>\n<li>saisie de vos revenus, de votre compte bancaire ou de vos biens mobiliers ;<\/li>\n<li>\u00e9viter une expulsion ou une coupure d'\u00e9lectricit\u00e9 ou d'eau ;<\/li>\n<li>lancer une proc\u00e9dure de r\u00e8glement de dettes.<\/li>\n<\/ul>\n<p>Vous discuterez de votre situation personnelle avec un collaborateur de Samen055. Ensemble, vous examinerez les possibilit\u00e9s qui s'offrent \u00e0 vous pour trouver une solution \u00e0 votre demande d'aide. Vous pourrez ensuite d\u00e9cider vous-m\u00eame si vous souhaitez b\u00e9n\u00e9ficier de cette aide.<\/p>\n<p>Remplissez le <a class=\"external\" href=\"https:\/\/mijnhulpvraag.samen055.nl\/formulier?formulierid=20\">formulaire de contact<\/a>\u00a0de Samen055 et nous vous contacterons pour fixer un rendez-vous.<\/p>\n\t\t\t<\/div>\n\t\t  <\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"accordion-item\">\n\t\t  <h2 class=\"accordion-header\" id=\"heading-u1-i3\">\n\t\t\t<button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapse-u1-i3\" aria-expanded=\"false\" aria-controls=\"collapse-u1-i3\">\n\t\t\t  <span class=\"accordion-toggle\"><\/span>Je suis entrepreneur\t\t\t<\/button>\n\t\t  <\/h2>\n\t\t  <div id=\"collapse-u1-i3\" class=\"accordion-collapse collapse\" aria-labelledby=\"heading-u1-i3\">\n\t\t\t<div class=\"accordion-body\">\n\t\t\t  <p>Vous \u00eates entrepreneur et vous vous inqui\u00e9tez pour vos finances personnelles ou professionnelles ? Rendez-vous sur le <a class=\"externe-link\" href=\"\/contactformulier-informatief-gesprek-zelfstandigen\">formulaire de contact<\/a> pour prendre rendez-vous en vue d'un entretien d'information avec un collaborateur.<\/p>\n\t\t\t<\/div>\n\t\t  <\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"accordion-item\">\n\t\t  <h2 class=\"accordion-header\" id=\"heading-u1-i4\">\n\t\t\t<button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapse-u1-i4\" aria-expanded=\"false\" aria-controls=\"collapse-u1-i4\">\n\t\t\t  <span class=\"accordion-toggle\"><\/span>Demandes en tant qu'administrateur judiciaire\t\t\t<\/button>\n\t\t  <\/h2>\n\t\t  <div id=\"collapse-u1-i4\" class=\"accordion-collapse collapse\" aria-labelledby=\"heading-u1-i4\">\n\t\t\t<div class=\"accordion-body\">\n\t\t\t  <p>En tant que curateur, vous pouvez demander une aide au d\u00e9sendettement pour votre client. Pour ce faire, envoyez un e-mail \u00e0 <a href=\"mailto:schuldhulpverlening@apeldoorn.nl\">schuldhulpverlening@apeldoorn.nl<\/a>. Avant le premier entretien, vous devez fournir <a href=\"\/regelen-en-weten\/werk-inkomen-en-uitkering\/hulp-bij-geldzorgen-en-schulden\/checklist-aanleveren-door-bewindvoerder\/\">quelques documents<\/a> . Un conseiller de quartier vous contactera ensuite, ainsi que votre client, afin de fixer un rendez-vous.<\/p>\n<p>Votre client doit se munir d'une pi\u00e8ce d'identit\u00e9 en cours de validit\u00e9 pour le premier entretien.<\/p>\n\t\t\t<\/div>\n\t\t  <\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\r\n\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t<\/div>\r\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Ondersteuning aanvragen bij financi\u00eble zorgen en schulden.<\/p>","protected":false},"author":13,"featured_media":0,"parent":3350,"menu_order":1,"comment_status":"closed","ping_status":"closed","template":"wp-custom-template-product","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","ep_exclude_from_search":false,"footnotes":""},"categories":[],"tags":[],"folder":[],"class_list":["post-3404","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.9 (Yoast SEO v27.9) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Hulp bij geldzorgen en schulden | Gemeente Apeldoorn<\/title>\n<meta name=\"description\" content=\"Hulp bij geldzorgen en schulden in Apeldoorn. Gemeente Apeldoorn werkt samen met het Schuldenknooppunt en biedt schuldhulpverlening.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.apeldoorn.nl\/fr\/regelen-en-weten\/werk-inkomen-en-uitkering\/hulp-bij-geldzorgen-en-schulden\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Hulp bij geldzorgen en schulden\" \/>\n<meta property=\"og:description\" content=\"Hulp bij geldzorgen en schulden in Apeldoorn. Gemeente Apeldoorn werkt samen met het Schuldenknooppunt en biedt schuldhulpverlening.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.apeldoorn.nl\/fr\/regelen-en-weten\/werk-inkomen-en-uitkering\/hulp-bij-geldzorgen-en-schulden\/\" \/>\n<meta property=\"og:site_name\" content=\"Apeldoorn\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/gemeenteapeldoorn\" \/>\n<meta property=\"article:modified_time\" content=\"2026-06-30T11:44:53+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.apeldoorn.nl\/wp-content\/uploads\/2026\/02\/gemeente-apeldoorn.png\" \/>\n\t<meta property=\"og:image:width\" content=\"696\" \/>\n\t<meta property=\"og:image:height\" content=\"500\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.apeldoorn.nl\\\/fr\\\/regelen-en-weten\\\/werk-inkomen-en-uitkering\\\/hulp-bij-geldzorgen-en-schulden\\\/\",\"url\":\"https:\\\/\\\/www.apeldoorn.nl\\\/fr\\\/regelen-en-weten\\\/werk-inkomen-en-uitkering\\\/hulp-bij-geldzorgen-en-schulden\\\/\",\"name\":\"Hulp bij geldzorgen en schulden | Gemeente Apeldoorn\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.apeldoorn.nl\\\/fr\\\/#website\"},\"datePublished\":\"2026-03-10T15:54:31+00:00\",\"dateModified\":\"2026-06-30T11:44:53+00:00\",\"description\":\"Hulp bij geldzorgen en schulden in Apeldoorn. Gemeente Apeldoorn werkt samen met het Schuldenknooppunt en biedt schuldhulpverlening.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.apeldoorn.nl\\\/fr\\\/regelen-en-weten\\\/werk-inkomen-en-uitkering\\\/hulp-bij-geldzorgen-en-schulden\\\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.apeldoorn.nl\\\/fr\\\/regelen-en-weten\\\/werk-inkomen-en-uitkering\\\/hulp-bij-geldzorgen-en-schulden\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.apeldoorn.nl\\\/fr\\\/regelen-en-weten\\\/werk-inkomen-en-uitkering\\\/hulp-bij-geldzorgen-en-schulden\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.apeldoorn.nl\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Regelen en weten\",\"item\":\"https:\\\/\\\/www.apeldoorn.nl\\\/regelen-en-weten\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Werk, inkomen en uitkering\",\"item\":\"https:\\\/\\\/www.apeldoorn.nl\\\/regelen-en-weten\\\/werk-inkomen-en-uitkering\\\/\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"Hulp bij geldzorgen en schulden\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.apeldoorn.nl\\\/fr\\\/#website\",\"url\":\"https:\\\/\\\/www.apeldoorn.nl\\\/fr\\\/\",\"name\":\"Gemeente Apeldoorn\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.apeldoorn.nl\\\/fr\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.apeldoorn.nl\\\/fr\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.apeldoorn.nl\\\/fr\\\/#organization\",\"name\":\"Apeldoorn\",\"url\":\"https:\\\/\\\/www.apeldoorn.nl\\\/fr\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/www.apeldoorn.nl\\\/fr\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.apeldoorn.nl\\\/wp-content\\\/uploads\\\/2026\\\/02\\\/ape-logo-kleur.png\",\"contentUrl\":\"https:\\\/\\\/www.apeldoorn.nl\\\/wp-content\\\/uploads\\\/2026\\\/02\\\/ape-logo-kleur.png\",\"width\":1877,\"height\":500,\"caption\":\"Apeldoorn\"},\"image\":{\"@id\":\"https:\\\/\\\/www.apeldoorn.nl\\\/fr\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/gemeenteapeldoorn\",\"https:\\\/\\\/www.instagram.com\\\/gemeenteapeldoorn\\\/\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/gemeente-apeldoorn\"]}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Hulp bij geldzorgen en schulden | Gemeente Apeldoorn","description":"Hulp bij geldzorgen en schulden in Apeldoorn. Gemeente Apeldoorn werkt samen met het Schuldenknooppunt en biedt schuldhulpverlening.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.apeldoorn.nl\/fr\/regelen-en-weten\/werk-inkomen-en-uitkering\/hulp-bij-geldzorgen-en-schulden\/","og_locale":"fr_FR","og_type":"article","og_title":"Hulp bij geldzorgen en schulden","og_description":"Hulp bij geldzorgen en schulden in Apeldoorn. Gemeente Apeldoorn werkt samen met het Schuldenknooppunt en biedt schuldhulpverlening.","og_url":"https:\/\/www.apeldoorn.nl\/fr\/regelen-en-weten\/werk-inkomen-en-uitkering\/hulp-bij-geldzorgen-en-schulden\/","og_site_name":"Apeldoorn","article_publisher":"https:\/\/www.facebook.com\/gemeenteapeldoorn","article_modified_time":"2026-06-30T11:44:53+00:00","og_image":[{"width":696,"height":500,"url":"https:\/\/www.apeldoorn.nl\/wp-content\/uploads\/2026\/02\/gemeente-apeldoorn.png","type":"image\/png"}],"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.apeldoorn.nl\/fr\/regelen-en-weten\/werk-inkomen-en-uitkering\/hulp-bij-geldzorgen-en-schulden\/","url":"https:\/\/www.apeldoorn.nl\/fr\/regelen-en-weten\/werk-inkomen-en-uitkering\/hulp-bij-geldzorgen-en-schulden\/","name":"Hulp bij geldzorgen en schulden | Gemeente Apeldoorn","isPartOf":{"@id":"https:\/\/www.apeldoorn.nl\/fr\/#website"},"datePublished":"2026-03-10T15:54:31+00:00","dateModified":"2026-06-30T11:44:53+00:00","description":"Hulp bij geldzorgen en schulden in Apeldoorn. Gemeente Apeldoorn werkt samen met het Schuldenknooppunt en biedt schuldhulpverlening.","breadcrumb":{"@id":"https:\/\/www.apeldoorn.nl\/fr\/regelen-en-weten\/werk-inkomen-en-uitkering\/hulp-bij-geldzorgen-en-schulden\/#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.apeldoorn.nl\/fr\/regelen-en-weten\/werk-inkomen-en-uitkering\/hulp-bij-geldzorgen-en-schulden\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.apeldoorn.nl\/fr\/regelen-en-weten\/werk-inkomen-en-uitkering\/hulp-bij-geldzorgen-en-schulden\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.apeldoorn.nl\/"},{"@type":"ListItem","position":2,"name":"Regelen en weten","item":"https:\/\/www.apeldoorn.nl\/regelen-en-weten\/"},{"@type":"ListItem","position":3,"name":"Werk, inkomen en uitkering","item":"https:\/\/www.apeldoorn.nl\/regelen-en-weten\/werk-inkomen-en-uitkering\/"},{"@type":"ListItem","position":4,"name":"Hulp bij geldzorgen en schulden"}]},{"@type":"WebSite","@id":"https:\/\/www.apeldoorn.nl\/fr\/#website","url":"https:\/\/www.apeldoorn.nl\/fr\/","name":"Commune d'Apeldoorn","description":"","publisher":{"@id":"https:\/\/www.apeldoorn.nl\/fr\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.apeldoorn.nl\/fr\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Organization","@id":"https:\/\/www.apeldoorn.nl\/fr\/#organization","name":"Apeldoorn","url":"https:\/\/www.apeldoorn.nl\/fr\/","logo":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.apeldoorn.nl\/fr\/#\/schema\/logo\/image\/","url":"https:\/\/www.apeldoorn.nl\/wp-content\/uploads\/2026\/02\/ape-logo-kleur.png","contentUrl":"https:\/\/www.apeldoorn.nl\/wp-content\/uploads\/2026\/02\/ape-logo-kleur.png","width":1877,"height":500,"caption":"Apeldoorn"},"image":{"@id":"https:\/\/www.apeldoorn.nl\/fr\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/gemeenteapeldoorn","https:\/\/www.instagram.com\/gemeenteapeldoorn\/","https:\/\/www.linkedin.com\/company\/gemeente-apeldoorn"]}]}},"coauthors":[],"author_meta":{"author_link":"https:\/\/www.apeldoorn.nl\/fr\/author\/blaauwr\/","display_name":"Robine Blaauw"},"relative_dates":{"created":"Publi\u00e9 4 mois il y a","modified":"Mis \u00e0 jour 3 semaines il y a"},"absolute_dates":{"created":"Publi\u00e9 le 10 mars 2026","modified":"Mise \u00e0 jour le 30 juin 2026"},"absolute_dates_time":{"created":"Publi\u00e9 le 10 mars 2026 16:54","modified":"Mise \u00e0 jour le 30 juin 2026 13:44"},"featured_img_caption":"","featured_img":false,"series_order":"","publishpress_future_action":{"enabled":false,"date":"2026-10-22 07:40:54","action":"change-status","newStatus":"draft","terms":[],"taxonomy":"category","extraData":[]},"publishpress_future_workflow_manual_trigger":{"enabledWorkflows":[]},"_links":{"self":[{"href":"https:\/\/www.apeldoorn.nl\/fr\/wp-json\/wp\/v2\/pages\/3404","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.apeldoorn.nl\/fr\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.apeldoorn.nl\/fr\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.apeldoorn.nl\/fr\/wp-json\/wp\/v2\/users\/13"}],"replies":[{"embeddable":true,"href":"https:\/\/www.apeldoorn.nl\/fr\/wp-json\/wp\/v2\/comments?post=3404"}],"version-history":[{"count":5,"href":"https:\/\/www.apeldoorn.nl\/fr\/wp-json\/wp\/v2\/pages\/3404\/revisions"}],"predecessor-version":[{"id":17699,"href":"https:\/\/www.apeldoorn.nl\/fr\/wp-json\/wp\/v2\/pages\/3404\/revisions\/17699"}],"up":[{"embeddable":true,"href":"https:\/\/www.apeldoorn.nl\/fr\/wp-json\/wp\/v2\/pages\/3350"}],"wp:attachment":[{"href":"https:\/\/www.apeldoorn.nl\/fr\/wp-json\/wp\/v2\/media?parent=3404"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.apeldoorn.nl\/fr\/wp-json\/wp\/v2\/categories?post=3404"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.apeldoorn.nl\/fr\/wp-json\/wp\/v2\/tags?post=3404"},{"taxonomy":"folder","embeddable":true,"href":"https:\/\/www.apeldoorn.nl\/fr\/wp-json\/wp\/v2\/folder?post=3404"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}