They appeared in 2016 on an experimental basis and the State unveiled a list of 150 of them throughout the territory to support people encountering budgetary difficulties. Budget Council Points (PCB) aim in particular to prevent the risks linked to over-indebtedness.
400 Budget Council Points (PCB) by 2020
After presenting its poverty plan at the start of the 2018 school year, the government unveiled on Monday November 25 a first list of 150 Budget Advice Points in France. These PCBs will be increased to 400 from here in order to guide 220,000 beneficiaries free of charge in the proper management of their budget. The target audience is households in debt, and among this audience with money problems, even more those on the brink of over-indebtedness. People who face financial difficulties and who struggle to manage their budget therefore, the fault of expenses that exceed their resources, and the fact of accumulating too much debt.
Bring this audience back to employment and financial autonomy
The support offered in the PCBs, provided by staff trained by the Lite Lender, must help this public to better manage its budget, but also find new resources by requesting aid, for example. The idea is also to lead them to training if necessary in order to find a job and thus increase their income, or even to negotiate a staggering of their debts. The first deployment of Budget Advice Points will take place in 8 regions, from Hauts de France to Occitania and even Reunion.
The repurchase of credit and the anticipation of the over-indebtedness
The 90,000 new over-indebtedness files submitted to the Lite Lender in 2018 are the visible face of the iceberg of financial difficulties for a significant number of families. Many are struggling to make ends meet, following purchasing power at half mast and debts that are increasingly difficult to honor. In this type of situation, buying back credit is not a remedy but a lever for anticipation. The consolidation of loans into a single contract makes it possible to reduce the weight of monthly repayments by extending the duration. By this mechanism, the repurchase of credit can avoid families from falling into the vicious circle of agios and various penalties which lead to over-indebtedness. carry out a free and easy credit buy-back simulation to better understand the possibilities you would have, without forgetting that it can also be a mechanism for simply relaxing your budget.