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Bank card fraud: liability and criminal penalties
By Raphaël MORENON3 August 2025Bankcards have become the preferred means of payment in France, but with their popularity comes increased exposure to the risk of fraud. Faced with this reality, the legislator has put in place a precise legal framework to apportion responsibilities between the cardholder, his or her bank and merchants. Understanding this system is essential for all card users, as it defines the rights and obligations of each party in the event of an incident. The aim of this article is to detail the different types of fraud, the criminal penalties incurred by fraudsters and, above all, the division of financial responsibilities in the event of loss, theft or fraudulent use of your card. We will also look at complex situations such as bogus bank adviser scams, to give you a complete picture of the protection available. While the general framework for payment cards is based on a contract between you and your bank,...
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> The practice of seizing propertyA practical, chronological and exhaustive study of the implementation of a property seizure procedure.
We put all our expertise to work to achieve a simple objective: to prevent a property seizure.
Attachment: securing your rights to tangible personal property
Disputes over the ownership or possession of movable property can become complex. When an item belongs to you but ends up in the hands of a third party, there is a specific procedure to protect your rights: seizure and reclamation. Although little known to the general public, this protective measure is a powerful legal tool...Delivery or restitution orders: obtaining a writ of execution to recover your property
Have you entrusted a valuable item to someone who refuses to return it? Have you bought something and the seller is not delivering it? The injunction to deliver or return procedure is an effective way of quickly obtaining a writ of execution. It allows you to...Understanding seizure and attachment: recovering your tangible movable property
Reclaiming property that has not been returned or delivered is often a legal headache. How do you repossess a vehicle that has not been returned after a loan? How do you recover equipment you own? Seizure and attachment is the legal solution for recovering these assets. We take a closer look at this little-known legal mechanism. What is a...Precautionary measures: protecting your claims before it's too late
When a debtor delays payment, time is rarely on the creditor's side. Between the time when a debt becomes due and the time when an enforcement order can be obtained, the debtor's assets risk evaporating. Precautionary measures are therefore an effective legal tool for preserving the debtor's chances...Seizures of tangible movables: instructions for use
When it comes to debt collection, seizure is an invaluable tool. Far from being a trivial measure, it allows you to temporarily freeze a debtor's assets without waiting for a writ of execution. This procedure is a response to the urgency of a situation where the debtor's assets could evaporate. Here's how it works.Attachment of receivables: freezing your debtor's bank assets
Companies faced with unpaid debts have a legal arsenal at their disposal that is often little-known. Among these tools, the seizure of receivables is a particularly effective lever. This procedure makes it possible to quickly freeze the funds held by your debtor, particularly his bank accounts, even before obtaining a final judgement. 1. The strategic interest...Securities and shareholder rights: seizing them to secure your claim
In an economic world where financial assets play a predominant role, creditors must adapt their collection strategies. Shares and other financial instruments often represent a substantial proportion of debtors' assets. Knowing how to seize them can prove decisive in securing payment of a debt. The...Judicial sureties: an alternative to protective attachments
If a debt is threatened, creditors have two options: precautionary seizure or legal security. The former freezes the debtor's assets and makes them unavailable. The second, less restrictive but just as effective, allows a preferential right to be registered over certain assets without immobilising them. This protection...International aspects of precautionary measures
As a creditor, how do you protect your rights when your debtor owns assets abroad? Precautionary measures offer a practical solution, but their international implementation raises complex issues. 1 Securing your international receivables Precautionary measures make it possible to secure a receivable by making it...Attachment procedure: stages and formalities
Attachment is a formidable procedure for recovering debts. This mechanism, introduced by the law of 9 July 1991, enables a creditor in possession of a writ of execution to obtain immediate payment of his debt by seizing the sums owed to his debtor by a third party. This article details the...
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