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Payment cards: the complete legal guide to French banking law
By Raphaël MORENON3 August 2025The payment card has become an indispensable tool in economic life, simplifying everyday transactions for individuals and businesses alike. Behind its ease of use, however, lies a dense legal framework that defines the rights and obligations of each player: the cardholder, the merchant who accepts it, and the bank that issues it. This contractual and regulatory universe can quickly become complex, particularly in the event of a dispute or fraud. This article provides an overview of the fundamental principles governing payment cards under French law, and will serve as a guide to understanding the mechanisms that we detail in more specific publications. In the event of difficulties, particularly in the area of fraud, the assistance of a lawyer may prove decisive in asserting your rights; our expertise in banking fraud law is at your disposal to analyse your situation. What is a payment card...
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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.
Effects and disputes of attachment for payment: understanding this enforcement mechanism
Attachment is a formidable mechanism for creditors with a writ of execution. This procedure makes it possible to obtain rapid payment of a debt by blocking the sums owed to the debtor by a third party. Its legal effects are immediate and far-reaching, but it is subject to a system of contestation that guarantees the...Particular situations relating to seizures for payment
Attachment for payment, a formidable enforcement procedure because of its immediate effect on claims, raises thorny issues in certain situations. After reviewing the basic principles and standard procedures of attachment for payment, this article looks at situations that require particular attention. 1. Attachment of assets and insolvency proceedings The...Attachment: unavailable and unseizable claims
Some debts are resistant to attachment. Even with a writ of execution in your pocket, you could come up against some solid legal obstacles. To help you understand how this procedure works in general, here's a look at the world of unavailable and unattachable debts. Unavailable debts The fact that a debt is unavailable is a...Attachment of assets and insolvency proceedings
The encounter between a seizure-attribution procedure and the opening of collective proceedings, whether safeguard, reorganisation or judicial liquidation, creates a major area of legal friction. It pits the law of enforcement, which is designed to enable a creditor to recover his debt, against the law...Attachment: pitfalls and case studies
Attachment is a powerful tool for recovering debts. However, certain atypical situations can complicate its implementation. An experienced practitioner needs to be familiar with these special situations to avoid procedural pitfalls and fully master the general operation of attachment for payment. 1. Seizure on oneself: a mechanism...Seizure for sale: fundamental principles and requirements
Seizure for sale is regularly used to obtain compulsory payment of a debt. But do you know how it works? When can it be used? Who can use it and against whom? Our firm of enforcement lawyers analyses the key aspects of this procedure. Introduction: what is an attachment for sale? Attachment for sale is a...What assets can be subject to seizure and sale?
Seizure and sale is a procedure whereby a creditor in possession of a writ of execution can sell the debtor's tangible assets and obtain payment from the proceeds. This compulsory execution measure, provided for in articles L. 221-1 et seq. of the Code des procédures civiles d'exécution (CPC exéc.), raises...The special status of vehicles in repossessions
A vehicle often represents an accessible asset for a creditor seeking to recover a debt. The seizure and sale procedure has its own special features when it comes to land-based motor vehicles. There are a number of rules governing this procedure, ranging from relative unseizability to specific practical arrangements. The seizability of the vehicle The seizability of a vehicle...Incidents relating to the ownership of goods in a foreclosure sale
Seizure and sale, a compulsory execution procedure enabling a creditor to sell the debtor's movable property, is not immune from incidents. Among the most sensitive are disputes over the ownership of the goods seized. From misidentification, to situations where the debtor lives with the debtor, such as...Attachment for sale in the context of collective proceedings and overindebtedness
html Have you obtained a writ of execution against your debtor and are you ready to launch a seizure and sale? Be careful: the opening of collective proceedings or a case of overindebtedness can change everything. These specific legal situations impose strict rules that suspend or prohibit individual enforcement measures. Here's how...
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