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The regulation of usury under French law: a complete guide for borrowers and professionals
By Raphaël MORENON3 August 2025Regulations on usury protect borrowers against excessive interest rates, a practice as old as credit itself. For individuals and businesses alike, a loan is a structural commitment, but its terms and conditions can sometimes conceal costs that exceed legal thresholds. Navigating the intricacies of credit law, and particularly usury law, is a complex exercise. The purpose of this article is to provide you with an overview of French legislation, covering its founding principles, scope, calculation mechanisms and penalties. Each of these aspects, covered in greater detail in our dedicated articles, is essential to understanding and defending your rights. If you have any doubts about the compliance of your contract, it is a good idea to seek the advice of a lawyer specialising in credit law. Understanding usury: definition and historical development What is usury? A legal definition...
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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.
Incidental hearings in property seizures
The purpose of the incidental hearing is to settle any difficulties or disputes that are not settled at the orientation hearing. This distinction is important because the incidental judgment is very different from the preliminary judgment. We explain the specific features of this judgment, which is specific to the property seizure procedure. The...Referral judgement in property seizure cases
The referral judgement settles the disputes raised by the debtor and directs the seizure towards an amicable or forced sale. The effects of this judgment are significant, as it removes any disputes that could and should have been raised at the referral stage. Analysis.The orientation hearing for property seizures
The orientation hearing is the main stage in the property seizure procedure. It is at this hearing that the debtor can put forward his arguments. It is also at this orientation hearing that the case is directed towards an amicable sale or an auction.Statement of claim in property seizures
The declaration of claim is the act by which the registered creditor asserts his rights. When a creditor receives a notice of seizure of property, he must declare his claim at the registry. This notification will enable him to benefit from his mortgage ranking at the distribution stage...Terms and conditions of sale (CCV) for property seizures
The schedule of conditions of sale is an essential document for ensuring that the foreclosure procedure is properly conducted. It is carefully drafted and filed to meet a variety of objectives. Analysis.Notification of the seizure to registered creditors
A creditor who initiates proceedings for the seizure of an immovable property must notify the registered creditors. To this end, he must notify them of the summons to pay for the seizure of the property. The notice must contain specific information. It is equivalent to a summons to appear at the orientation hearing....Summons to the orientation hearing (AAO) in property seizure cases
In property seizures, the summons to the orientation hearing informs the debtor of the conditions under which the proceedings will continue. The debtor can use the summons to devise a defence strategy. Here's where we stand.Summons to pay for the seizure of property (CSI)
he "commandement de payer valant saisie immobilière" (sometimes abbreviated to CSI) is the procedural document that initiates the property seizure procedure. It is an act that the creditor must prepare with great care. For the debtor, its effects are as numerous as they are important.Can an undivided property be seized?
An undivided property can always be sold by auction. However, the procedure to be followed may vary.Can you have your property seized if you pay your mortgage? 3 concepts to master
Is it possible to have your property seized if you pay your mortgage? It's unlikely, but it's not impossible.
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