From credit repayment incidents to overindebtedness: aggregate developments and individual trajectories

Bulletin No. 258, article 2. The Fichier national des incidents de remboursement des crédits aux particuliers (FICP – National Register of Household Credit Repayment Incidents) records payment incidents related to loans. In the event of persistent difficulties, individuals can apply for debt restructuring to find a solution tailored to their situation.