If at the end of the three-month period provided for in Article R. 712-15 the commission has not decided to refer the case, its secretariat will send the debtor, by simple letter, a document attesting to this and specifying the date from which the interest rate on the outstanding loans taken out by the debtor will be reduced to the legal interest rate, unless the commission or the judge decides otherwise.
In the latter case, this decision is valid for the entire period extending from the first day of the fourth month to the last day of the sixth month, the starting point of the three-month period referred to in this article being determined under the conditions set out in article R. 721-4. It is sent to the debtor by simple letter.