The advice of Muriel Lacroix-Prongarbe

The point of view of Muriel Lacroix-Prongarbe, a committed entrepreneur

Dear Thierry, helping your brother and sister-in-law get out of over-indebtedness can be very complicated in the family level. Especially if they do not ask for support. Begin a conversation on the subject requires to proceed with gentle and without judgment.

If you think they do not know the aids to which they are entitled, the first person who can help them is a social worker, the best able to orient them both financially and to organize the exit of their difficulties. This professional will also be able to support them in the construction of a “Banque de France” file in which he will slip a provisional budget, knowing that they will have to list their debts (amount, rate, deadlines) and assess income and charges in order to establish a realistic budget.

There are also organizations such as Croesus (assistance to persons in financial difficulty) or Adie (advice or micro credit) which can provide punctual aid. Regarding your brother, going through the formal framework seems recommended to avoid conflicts. In any case, it is a great idea of ​​being a volunteer in these organizations that help fragile people to rebuild a future.