Publications

State judicial agent, Civil procedure

You've gathered your evidence, built a solid case, and you're convinced that you're in the right... but the game is far from won. Even before the judge examines the merits of your case, a formidable procedural hurdle can wipe out all your efforts: inadmissibility. An application deemed...

Guarantees, securities and enforcement law, Security interests in movable property

Transferable securities are an essential tool for companies financing their activities. Ordinance no. 2021-1192 of 15 September 2021 represents a genuine revolution. It unifies the pledge regime, eliminates texts scattered across several codes and clarifies the distinction between pledge and collateral. These changes will make it easier to...

The reform of the law on sureties radically modernises the formalities involved. Ordinance 2021-1192 of 15 September 2021 incorporates digital tools. These changes meet the needs of a digitalised economy. The end of handwritten formalities for surety bonds The protective formalities for surety bonds remain in place, but are changing. Article 2297 of the Civil Code...

Bond, Guarantees, securities and enforcement law

Guarantees are the most widely used personal surety in banking and commercial practice. Its effectiveness is based on its apparent simplicity: one person undertakes to pay the debt of another in the event of default. Order no. 2021-1192 of 15 September 2021 completely rewrites the law on surety bonds. This reform...

Guarantees, securities and enforcement law, Security interests in movable property

Seizures of property, as we have already seen, are designed to freeze assets. Sometimes, however, the aim is not to prevent the debtor from using his assets, but rather to secure priority over a valuable asset should it be sold. A creditor may wish to secure his claim on the property...

Credit and consumer law, Wear and tear

Excessive interest rates expose lenders to severe penalties. The anti-usury system is characterised by its dual nature, criminal and civil. In recent years, the legislator has relaxed certain rules, particularly for business loans. For a complete understanding of the concept of usurious lending, its...

In the French commercial world, sales representatives are a special category of employee with a specific protective status. This legal protection responds to the risks inherent in this profession, which is characterised by a high degree of autonomy. Before hiring a VRP or engaging in this profession, it is essential to understand the precise...

Guarantees, securities and enforcement law, Precautionary seizure

Have you discovered that your bank account has been seized, your car immobilised as a precautionary measure, or that a legal mortgage has been registered on your house, without you even having been informed? This situation can be a source of concern, and even a feeling of injustice, especially if...

Unpaid invoices are a constant threat to the financial health of any business. An unpaid invoice can weaken your cash flow, compromise your investments and, in the most serious cases, threaten the very survival of your business. In the face of this risk, credit insurance is a particularly suitable protection tool. This...

Credit and consumer law, Wear and tear

Controlling interest rates is a major issue in protecting borrowers and businesses against abusive practices. In France, interest rates are capped under the anti-abuse system, and lenders who exceed these limits are penalised. This regulation, which is often little-known, deserves our full attention, given its practical implications...