{"id":74,"date":"2023-07-29T18:00:39","date_gmt":"2023-07-29T22:00:39","guid":{"rendered":"https:\/\/wordpress.dockhost.synology.me\/?p=74"},"modified":"2025-07-13T21:04:20","modified_gmt":"2025-07-14T01:04:20","slug":"creditor-protection","status":"publish","type":"post","link":"https:\/\/wordpress.dockhost.synology.me\/fr_ca\/creditor-protection\/","title":{"rendered":"Protection contre les cr\u00e9anciers"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"74\" class=\"elementor elementor-74\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bf6a2ca e-flex e-con-boxed e-con e-parent\" data-id=\"bf6a2ca\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-91f2e09 elementor-widget elementor-widget-text-editor\" data-id=\"91f2e09\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Les fonds d\u00e9tenus dans un REEE ne sont g\u00e9n\u00e9ralement pas prot\u00e9g\u00e9s contre les cr\u00e9anciers du souscripteur.\n<\/p>\n<p>Un REEE est un placement de capital effectu\u00e9 par le souscripteur et qui reste sous le contr\u00f4le du souscripteur dans l'intention de le remettre au b\u00e9n\u00e9ficiaire si et quand ce dernier suit un programme d'enseignement post-secondaire. Le REEE peut \u00eatre r\u00e9sili\u00e9 par le souscripteur \u00e0 tout moment avant cette date. Cela signifie qu'un cr\u00e9ancier du souscripteur peut avoir acc\u00e8s \u00e0 tous les actifs du REEE, autres que les subventions gouvernementales, qui appartiennent au souscripteur.\n<\/p>\n<p>\nLa protection contre les cr\u00e9anciers pour un REEE n'est g\u00e9n\u00e9ralement pas disponible, m\u00eame pour un REEE souscrit aupr\u00e8s d'une compagnie d'assurance. En effet, la Loi de l'imp\u00f4t sur le revenu (Canada) exige que la fiducie du REEE soit le b\u00e9n\u00e9ficiaire du contrat et, par cons\u00e9quent, la protection contre les cr\u00e9anciers en vertu de la l\u00e9gislation provinciale sur les assurances n'est pas disponible.  Des exceptions s'appliquent en Alberta, o\u00f9 les REEE ont \u00e9t\u00e9 ajout\u00e9s \u00e0 la liste des actifs exempt\u00e9s, lorsqu'ils sont utilis\u00e9s \u00e0 des fins d'\u00e9ducation post-secondaire.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-49161b8f e-flex e-con-boxed e-con e-parent\" data-id=\"49161b8f\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1115e1ab elementor-align-center elementor-widget elementor-widget-button\" data-id=\"1115e1ab\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/fr_ca\/other-considerations\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Fermer<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Les fonds d\u00e9tenus dans un REEE ne sont g\u00e9n\u00e9ralement pas prot\u00e9g\u00e9s contre les cr\u00e9anciers du souscripteur.<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[9,1],"tags":[14,15,5,16],"class_list":["post-74","post","type-post","status-publish","format-standard","hentry","category-ca-en","category-uncategorized","tag-bankruptcy","tag-creditor-protection","tag-english","tag-income-tax-act"],"_links":{"self":[{"href":"https:\/\/wordpress.dockhost.synology.me\/fr_ca\/wp-json\/wp\/v2\/posts\/74","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/wordpress.dockhost.synology.me\/fr_ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/wordpress.dockhost.synology.me\/fr_ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/wordpress.dockhost.synology.me\/fr_ca\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/wordpress.dockhost.synology.me\/fr_ca\/wp-json\/wp\/v2\/comments?post=74"}],"version-history":[{"count":15,"href":"https:\/\/wordpress.dockhost.synology.me\/fr_ca\/wp-json\/wp\/v2\/posts\/74\/revisions"}],"predecessor-version":[{"id":1190,"href":"https:\/\/wordpress.dockhost.synology.me\/fr_ca\/wp-json\/wp\/v2\/posts\/74\/revisions\/1190"}],"wp:attachment":[{"href":"https:\/\/wordpress.dockhost.synology.me\/fr_ca\/wp-json\/wp\/v2\/media?parent=74"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wordpress.dockhost.synology.me\/fr_ca\/wp-json\/wp\/v2\/categories?post=74"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wordpress.dockhost.synology.me\/fr_ca\/wp-json\/wp\/v2\/tags?post=74"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}