Publications
Scope of usury legislation: loans concerned and exclusions
By Raphaël MORENON3 August 2025The rules on usury, which aim to cap interest rates on loans, provide essential protection for borrowers. However, its scope is far from universal and has undergone major changes, creating a complex legal landscape in which some transactions are covered and others excluded. Understanding exactly which loans and financing are covered is therefore essential, whether you are an individual or a company director. The purpose of this article is to clarify the scope of this legislation, in addition to our comprehensive guide to the regulation of usury under French law. Initially limited to the simple lending of money, usury legislation has gradually extended its scope to encompass a much wider range of financial transactions. The aim of this development has been to better protect borrowers by adapting to the diversification of financing techniques. The influence of codification and...
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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.
Payment in arrears or in arrears
The terms "payment in arrears" and "payment in arrears" refer to different payment methods. These payment methods are not used in the same cases and do not offer the same advantages.Judicial sales / auctions: EVERYTHING you need to know (2025)
The complete guide to property auctions. This document is a summary of the training we provide for investors at law schools.How do I stop a property seizure? The tutorial
Many customers ask us how to stop a seizure of property. However, this is a difficult procedure to fight, and the answer to this question is not easy. There are a wide variety of situations, all of which call for different answers. However, there are a few classic solutions....Debt collection: the applicable rules (2025)
The debt collection sector is extremely tough. Its players have no qualms about resorting to dubious methods. But there are rules and regulations, and they are very precise. Here are some explanations.Fake bank advisor fraud
Have you been scammed by a bogus bank adviser? Here's how to defend yourself.Property seizure: process and analysis
Property seizure involves the sale of a property to pay a debt. We look at how it works and the techniques available to combat it.Pledging: a powerful form of security
Pledging is a security interest that allows a creditor, the pledgee, to guarantee the recovery of its debt by assigning a tangible or intangible asset for this purpose. If the debtor defaults, the pledged creditor has a preferential right over the asset...Joint surety for a business loan
Joint and several guarantors of a business loan may be committing their personal assets. They must therefore be vigilant.Is AI up to date? Legal Watch and Artificial Intelligence - still on the subject of the disappearance of the JEX
Please note: not all IAs have been informed of the disappearance of the movable JEX.Creditor and debtor: definitions and analysis
The creditor and the debtor are two sides of the same coin: one benefits from an obligation, the other must perform it. But what is the nature of this obligation? And what are the rights and limitations of each? We tell you everything.
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