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The grace period and compulsory execution
By Raphaël MORENON19 September 2025Faced with a debt due and the threat of seizure? Find out how the judicial grace period can give you breathing space to reorganise your finances.
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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.
Seizure of aircraft: procedure, conditions and recent developments
Seizing an aircraft is a formidable procedure for a creditor and devastating for a debtor. Because of the considerable economic value of these assets and their great mobility, their forced immobilisation is a powerful lever in debt recovery. However, this measure is governed by a specific...Seizure of boats: procedure, conditions and special features
The seizure of a boat, although less publicised than that of ships, is subject to an equally complex legal regime, a source of many questions for creditors and owners. Contrary to popular belief, the applicable rules are not simply a variation on those of maritime law. The...Over-indebtedness and mortgages: specific debt relief and cancellation measures
Taking out a mortgage is a decisive step in the life of an individual or an entrepreneur. However, the ups and downs of life can turn this project into a financial burden, leading to over-indebtedness. Far from being inevitable, over-indebtedness linked to a property loan is governed by...Indemnity for early repayment (ira) on a mortgage loan: legal regime and disputes
Early repayment of a mortgage is an important step in a borrower's financial life, often prompted by an unexpected influx of cash, the purchase of a loan on more favourable terms or the sale of the property being financed. While this is a consumer's right, it is not a legal right.Home loan renegotiation and consolidation: understanding the legal issues
Managing a mortgage, a major financial commitment for most households and businesses, can change. Whether to take advantage of falling interest rates or to overcome financial difficulties, borrowers have two main options: renegotiation and consolidation. These...Interdependence of mortgage loan and financed contract: the resolutory condition
In the borrower's mind, buying a property and taking out a loan to finance it are two sides of the same coin. However, in law, these two contracts could have separate fates. Aware of this risk, the legislator has created a strong legal link between the mortgage contract and the loan....Failure to obtain a home loan: repayment of sums paid and penalties
The purchase of a property is often conditional on obtaining finance. French law has introduced a major protective mechanism for non-professional buyers: the condition precedent that the property loan must be obtained. This clause, incorporated into the promise to sell, renders the contract null and void if the loan is not granted. This is a...Condition precedent for obtaining a property loan: issues and case law
Buying a property is a decisive step, financed in the vast majority of cases by a loan. To protect the non-professional buyer, the legislator has introduced an essential security mechanism: the condition precedent that the loan must be obtained. This provision links the validity of the sale to the granting of finance...Definitions and scope of mortgage credit: the legal guide
Mortgages are at the heart of most of life's projects, whether it's the purchase of a primary residence or a rental investment. However, the legal framework surrounding it is so dense and complex that borrowers are often surprised. Far from being a simple loan contract, it is...Judicial distribution of the sale price in a property seizure: operation and remedies
Foreclosure is a complex procedure that culminates in the sale of the property. However, the sale is not the end of the process. There is then an equally decisive stage: the distribution of the price obtained among the various creditors. This phase, the sixth and final stage in the...
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