His wife and children live in Morocco, but he declared himself a resident of France: €22,255 in debts to repay

The man had filed an application with the Puy-de-Dôme over-indebtedness commission on May 15, 2025. Declared admissible in July, his application had led in September to a personal recovery measure without judicial liquidation, allowing his debts to be written off.

The Puy-de-Dôme department nevertheless challenged this decision. It reproached the beneficiary for declaring that he resided in France, even though an investigation conducted by a sworn CAF officer had concluded that he had no longer been living there permanently since May 2020.

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Before the court, the individual acknowledged having stayed in Morocco in 2021 and 2022. He claimed that he had subsequently returned to France, while specifying that his wife and children continued to live in Morocco. Without resources, he stated that he was awaiting payment of his retirement pension.

More than half of the debts resulted from fraud

According to the judgment of the Clermont-Ferrand Judicial Court, his indebtedness amounted to exactly €22,255.03. It included €7,853.68 owed to the department due to an overpayment of RSA, €4,499.75 claimed by the CAF, and a private debt of €9,901.60.

The CAF investigation, completed in 2023, concluded that he had made false declarations about his residence, some of them from abroad, in order to continue receiving benefits. The department determined that fraud had occurred and imposed a penalty of €1,021. The CAF claims had also been classified as fraudulent. The man had challenged none of these decisions.

In total, €12,353.43 in debts, or more than 55% of his indebtedness, resulted from benefits obtained fraudulently. For the judge, this significant proportion and the repeated false declarations ruled out the good faith required to benefit from the over-indebtedness procedure.

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The court therefore declared the man inadmissible to this procedure. The personal recovery measure decided by the commission was annulled, and his €22,255.03 in debts will not be written off. The decision, issued on April 30, 2026, is immediately enforceable.