Publications
Debtors' privacy in the face of seizure: legal framework, new reforms (2023-2025) and data protection
By Raphaël MORENON19 September 2025Seizure & recovery: your rights when dealing with creditors! Your privacy and your home are protected. Learn how to challenge abuses under French law.
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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.
Article 1171 of the Civil Code: significant imbalance in the ordinary law of contracts of adhesion
The reform of contract law, orchestrated by the Order of 10 February 2016 and finalised by the Ratification Act of 2018, introduced a far-reaching provision into the Civil Code: Article 1171. This text extends the protection against clauses that create a significant imbalance beyond just...Significant imbalance and restrictive competition practices: preventing inter-company abuse
At the heart of commercial relations, contractual negotiation is often perceived as a game of power where the freedom of the parties is king. However, this freedom is not absolute. The legislator has put in place a powerful regulatory tool to punish manifest abuses: the significant imbalance, provided for in the...Significant imbalance in consumer law: unfair terms and consumer protection
Signing a consumer contract, whether it's a general terms and conditions of sale on the internet, a service contract or a loan, involves the parties in a legal relationship where the balance of power is not always in place. The professional, by virtue of his position and experience, often has a margin of...Significant imbalance in French law: a comprehensive guide for professionals and consumers
Significant imbalance is a central concept in French contract law, designed to restore a form of justice where the economic power of one party risks crushing the other. Initially developed to protect consumers, its influence has spread to relations between professionals and has even been enshrined in French law.The performance bond: a sui generis personal guarantee for the performance of obligations
The execution surety, a mechanism that is often misunderstood by the general public, nevertheless represents a highly flexible personal guarantee. It forms part of an arsenal of protections available to creditors, as we discussed in our comprehensive guide to creditor guarantees in the law of obligations. Unlike security interests...Set-off, simple delegation and direct action: optimising the security of multi-debtor receivables
When a company or an individual seeks to recover a debt, the situation becomes particularly complex when there are several parties involved. In addition to traditional instruments, the law of obligations contains ingenious mechanisms designed to navigate triangular configurations in which debts and claims are intertwined. These tools, although...Joint and several liability and indivisibility of obligations: key guarantees for creditors
When a creditor grants credit or enters into a contractual relationship, the main concern is to ensure that the debt is paid. The risk of debtor insolvency is an economic reality that can jeopardise the financial equilibrium of any business. Among the range of intrinsic guarantees available to creditors, such as...Action paulienne: the creditor's recourse against fraud organised by his debtor
When a debtor organises his insolvency in order to escape his obligations, the creditor may feel powerless. However, French law offers specific and powerful protection against such fraudulent manoeuvres: the action paulienne. Often overlooked by non-lawyers, it can render acts of wilful impoverishment ineffective. This article explains...Actions for rescission and derivative actions: creditor remedies for debtor inaction
When a contract is not honoured, creditors often find themselves at a loss, faced with the debtor's inertia or default. The law of obligations, far from being a mere compendium of theoretical principles, offers powerful practical tools for protecting creditors' interests and punishing contractual non-performance. These mechanisms are...The defence of non-performance and the right of retention: mechanisms for the creditor's self-defence
When a business partner, supplier or customer fails to honour its commitments, the first instinct is often to suspend its own obligations in return. While this reaction is legitimate in principle, it is governed by precise legal mechanisms that enable creditors to protect themselves without putting themselves at risk.

