Civil procedure

  • Seizure of undivided interests: why are personal creditors restricted?

    By Raphaël MORENON
    15 July 2025
    When someone owes you money, their assets are your collateral. You have the right to resort to seizures to obtain payment of your debt. But what happens when your debtor does not own his assets outright, but in joint ownership with other people, for example as the result of an inheritance or a joint purchase? The situation then becomes significantly more complex. French law protects the coherence of joint ownership and establishes a strict principle: the personal creditors of a joint owner are prohibited from seizing his or her share of the joint ownership rights. This rule highlights an essential legal distinction between joint ownership creditors and the personal creditors of joint owners, who do not have the same prerogatives. This article explains the basis and scope of this limitation, as well as the remedies available to creditors to recover their debts.
en_GBEN