By Charlotte GAUCHON
17 June 2025
The management of debts within a couple married under the regime of legal community is a frequent source of questions and tensions, particularly in the event of separation. When a loan is taken out, who has to pay it back? And what assets can a creditor, such as a bank, claim payment from? French law provides nuanced answers by distinguishing two fundamental but often misunderstood concepts: obligation to the debt and contribution to the debt. Understanding these mechanisms is essential if you are to anticipate the financial consequences of a commitment and defend your rights. The aim of this article is to clarify these concepts and their practical impact, based on the complete guide to repaying credit as a couple. The fundamental distinction: obligation to the debt vs. contribution to the debt To properly understand the fate of debts in marriage, the problem needs to be broken down into two stages. The first...
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