By Charlotte GAUCHON
17 June 2025
The legal status of a couple, whether cohabiting or in a civil solidarity pact (PACS), has a direct impact on the financial obligations of each, particularly when it comes to repaying credit. Contrary to popular belief, these two forms of union are not treated in the same way by the law, and ignoring these differences can lead to complex situations in the event of financial difficulties or separation. Understanding who is liable to pay what is therefore fundamental for any unmarried couple. This article focuses on the rules that apply to unmarried couples, and complements our full guide to credit repayments for couples. Cohabitation: the absence of legal solidarity and its consequences Cohabitation is defined by the Civil Code as a "de facto union, characterised by a stable and continuous life together". It is a...
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