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What happens to the interest debt on a loan after judgment?
A debt collection agency is demanding interest on a loan that has already been judged, and you think that the statute of limitations has expired. The capital borrowed is time-barred after ten years from the date of the judgment, but the interest is time-barred every two years under article L. 218-2 of the French Consumer Code. Here's how to identify and challenge these irregular seizures.
Credit lawWhat is the outstanding capital?
You are repaying a loan and your bank talks to you about the outstanding capital, although this figure is not always clear from your statements. This concept is central to any banking dispute, particularly in the event of an acceleration or early repayment. The outstanding capital is the fraction of the initial amount not yet repaid, excluding future interest. If you know how to calculate it, you can control your lender's demands.
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