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Borlo law or Borlo Act was first introduced by the French in the year 1995 with an intention to help the people trapped in problems of over indebtedness. The original enactment was subjected to amendments in the year 1998 and 2003. This Law intends to introduce a new out of court settlement mechanism exclusively for resolving the over indebtedness problems of the citizens of France by way of establishing household debt commissions. This household debt commission constituted under the Bolo Law is expected to act as a conciliate body the helps the creditors and debtors to enter into fruitful negotiations.

The household debt commission constituted under the Borlo Law had been working under the Banque de France. It is the duty of the commission to act as a mediator between the debtor and the creditor by enabling them to reach into an amicable settlement and to help them the frame effective and practical repayment schedules for settling the debts. Household debt commission framed under the Borlo law is also authorized to make recommendations to the courts while trying case that involves the question of repayment of debts.

The responsibilities of the commission include helping the parties to frame repayment schedule and make recommendation for the magistrate for recovery of the personal properties of the debtor where the mediation fails to reach into an amicable settlement agreeable to both the parties. It is the responsibility of the commission to help the parties by framing a loan repayment schedule based on the income and the debts that the debtor owes to his creditors. Both the debtor and the creditors should be consulted by the commission while drafting repayment schedule for the debt. If agreed by both the parties the schedule drafted by the commission will be presented before the concerned magistrate to get approval from the judiciary. The schedule prepared to resolve the cases that involve severe indebtedness may contain recommendations for writing off of certain portions of the debts or the whole debt that the debtor owes to his creditors.

The commission constituted under the Borlo Law is authorized to make recommendations to the court if it feels that it is not practically possible for the debtor to repay the amount that he owes to his creditors. But the commission should obtain the consent of the debtor before it makes a recommendation for personal recovery to the court.

Before proceeding with a case of over indebtedness commission has to satisfy itself that it is a legally admissible case to be taken up by the commission. The person or the debt that comes before the commission should be a debt that comes under the purview of definition given for over indebtedness under the French Consumer Code. The commission has no right to interfere the cases arising out of professional debts. The person approaching the commission should act in good faith.

The parties of the matter admitted by the court will be informed about the admission of the case once it has decided to take up the matter. The court before which the matter is pending should stay the matter until the commission takes a final decision upon the issue.

To get a correct picture of the debts of the debtor the commission directs the creditors to submit a detailed statement of the debt that the debtor owes to them. When the commission draws up a repayment schedule priority will be given to the loans financing the purchase of the applicant’s residence. All the creditors who have granted cash loans or consumer credit will be treated equally by the commission. The schedule drafted by the commission should be given to the debtor as well as the creditors to verify. Refusal by a single creditor will lead to failure of the proposal made by the commission. If the financial condition of the debtor is so bad the commission can refer the matter to the judiciary recommending personal recovery with a written consent from the debtor.

Writen by Matthieu Laporte of aidesurendettement.com where you can get free information on PEL (plan d’epargne logement)

and on other debt and credit matters.

Too much of a good thing is bad and the same goes for the friendly bacteria or yeast residing in our intestines. These Candida albicans is the generally the main cause of intestinal candida.

Yeast is a normal part of our intestinal flora; however it is kept in check by the other organisms present in the gut. Women more than men are generally afflicted with intestinal candida and most of them will at least face this problem once in their life time. The reason for this is simple. Candida albicans is a natural inhabitant in the vaginal area of women and quite a peace loving organism most of the time. However, some times due to certain triggers, these organisms may multiply and can cause problems in the vagina and the intestines as well.

These triggers include problems like diabetes mellitus, antibiotics and using birth control pills or other kinds of contraceptives. Vaginal irritation, itching in the vulva, a thick curdy discharge or a discharge which has a breadish smell are some of the classic symptoms of a candida infection.

Though there are a lot of over the counter medications for this problem, nature has some of the best cures. One of the most well known cures is applying unsweetened yogurt to the vagina or eating a lot of yogurt. The lactobacillus bacteria present in yogurt can kill and inhabit the vaginal growth. Garlic is also a well known way to tackle this problem. You can crush some garlic cloves and apply them to the vagina. A natural disinfectant, boric acid powder can also be used by inserting it into the vaginal in gel caps for about four nights.

These home cures can help in getting rid of intestinal candida at the onset. However, if Candidiasis is left unchecked then it can grow out of proportions and can cause a myriad of problems. Hence, a candida infection, however small should never be taken lightly and along with these cures a lot of other holistic treatment measures need to be followed. Most of these holistic methods also include a change in lifestyle and eating habits.

Diet is an important part of the candida treatment. It is common known fact that certain foods can help in enhancing the growth of the yeast which causes intestinal candida and there are some other foods which actually inhabit the growth. Hence, it is important to avoid those foods which can worsen the infection.

There are three classes of foods which are to be avoided if you want to get rid of your candida infection naturally:

Sugar: Avoid sugar in all shapes, forms and sizes. This means you need to avoid anything which is naturally or artificially sweet including sweet fruits, chocolates, dried fruit and all kinds of sweet additives.
Yeast: Whether it is the yeast containing spreads like Marmite, vegemite and promote or foods containing bakers yeast like breads or pastries, all these yeast containing products are to be completely kept away from.
Refined carbohydrates: These include the typical fast foods like pastas, cookies, potatoes and breads.

On the other hand you need to get generous with garlic, olive oil, fish and whole grain foods to inhabit the growth of yeast and prevent the reoccurrence of intestinal candida.