By Charlotte GAUCHON
17 June 2025
When a couple is legally married, a fundamental question arises when only one spouse takes out a loan: what assets can be seized by the bank in the event of default? The answer is far from simple, and involves the joint, or even personal, assets of each spouse. The protection of the household depends on precise rules, in particular article 1415 of the Civil Code, which acts as a shield for the community. Understanding this mechanism is essential for any married couple, because a debt incurred by one can have a significant impact on the other. This article takes a closer look at this system, so that you can better understand the issues surrounding loans taken out during the marriage and the risks involved, particularly in the event of a joint account being seized. The legal regime of community of acquests: assets and liabilities In the absence of a marriage contract, the spouses are automatically subject to the...
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