Raphael Morenon

Background

Raphaël Morenon holds a master's in Law and a master's in Philosophy from Aix-Marseille University, along with a diploma from the Mediterranean Institute of Criminology. He was called to the Marseille Bar on 8 January 2016.

Before the Bar, he cut his teeth as a trainee lawyer within UFC-Que Choisir, Banking-Insurance department. There he discovered banking litigation from the consumer side: home loans, abusive effective rates, commercial practices of credit institutions. That experience marked his practice durably — knowing both sides of the file has become a structural advantage.

His first years of practice were at a firm representing banking institutions. He learned the mechanics of debt recovery, portfolio management, enforcement procedures seen from the creditor's desk. Then he switched sides and began defending clients against banks.

In 2019 he set up his own practice. In 2023, he co-founded SELARL Solent Avocats with Charlotte Gauchon. The firm focuses exclusively on banking law, commercial law and enforcement.

Focus areas

Real-property foreclosure is the area for which Raphaël Morenon is best known. From the writ before the enforcement judge to the distribution of proceeds, he masters every step of a procedure where formalism is unforgiving and the slightest irregularity can void the whole.

Enforcement in the broad sense plays an equally central role. Ship arrests, seizures of company shares, garnishments: high-stakes, often international procedures where the firm regularly intervenes.

Banking law is the other pillar of his practice. Loan contracts, acceleration clauses, suretyship, bank liability: having represented both sides — consumers and credit institutions — gives a reading of the file that few practitioners possess.

Passing on knowledge

The desire to transmit was born from a simple observation: a lack of offering. Raphaël Morenon needed training and progress himself, and few training courses were available in enforcement and real-property foreclosure. So he built the courses he would have wanted to attend.

The result: a blog with more than 1,200 articles published in open access, and a professional training programme delivered at EDACS (Centre-South Bar School), IXAD (North-West) and several other training bodies. His courses cover real-property foreclosure, mortgages, distribution of proceeds, foreclosure defence and enforcement law updates. The firm is Qualiopi-certified.