Publications
Repaying credit as a couple: rights, obligations and matrimonial property regimes
By Raphaël MORENON18 August 2025Taking out a loan as a couple is a common procedure, often seen as a simple administrative formality. However, the legal implications are far from trivial and vary considerably depending on the nature of the relationship: cohabitation, civil solidarity pact (PACS) or marriage. The question of each person's financial responsibility in the event of default is directly linked to the couple's legal status. The aim of this article is to provide an overview of the applicable rules, a subject we cover more generally in our publication on the rights and obligations of the distrainee debtor. Understanding these mechanisms is essential if you are to anticipate risks and protect your assets, an area where the assistance of a lawyer with expertise in credit law can prove decisive. Introduction to consumer credit repayment and the role of the couple Definition and scope of a credit transaction A credit transaction, according to the French Code...
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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.
Third-party opposition in civil proceedings: a remedy for injured third parties
Have you discovered that a court decision affects your rights even though you were not a party to the proceedings? Third-party proceedings could be your solution. This extraordinary remedy enables people who are not involved in the proceedings to challenge a judgment that is prejudicial to them. Introduction: what is third-party opposition?Third-party proceedings: time limits, formalities and jurisdiction
Third-party proceedings occupy a special place in the arsenal of legal remedies. It enables a third party to challenge a judicial decision that is prejudicial to him or her. But beware: this procedural weapon is subject to strict rules. Neglecting to follow the correct procedure or exceeding the time limit can destroy any chance of...Service of procedural documents: how is a legal document validly served on you?
The proper conduct of legal proceedings is based on precise rules. One of the most important of these is the notification of procedural documents. This mechanism ensures that a party is informed of the legal action taken against it. An error in this process can invalidate the entire procedure. But how do you...Conditions under which proceedings lapse: the three-step test
You think your case is progressing normally before the court... and suddenly your opponent invokes the lapse of proceedings. This radical procedural sanction extinguishes the proceedings in progress because of prolonged inactivity. How do you know whether your proceedings are likely to be affected by this sanction, which can wipe out two years of waiting? The fatal trio...The effects of the lapse of proceedings: practical consequences
A lawsuit drags on, the parties forget to move it forward, and then suddenly the penalty falls: the lapse of proceedings. This mechanism, provided for in the Code of Civil Procedure (CPC), puts an end to proceedings that have been abandoned for two years. Far from being a mere formality, the lapse of proceedings entails...Invoking the lapse of proceedings: procedures and strategies
Lapse of proceedings, a little-known procedural sanction, is a formidable weapon in the legal arsenal. It allows proceedings to be terminated when the parties remain inactive for two years. But who can invoke it, and how can it be used effectively? Who can invoke lapse and how? Article 387 of the Code of Civil Procedure...Lapse of proceedings: definition and legal basis
Every year, thousands of legal proceedings get bogged down in the French courts. Some get bogged down by deliberate strategy, others by simple negligence. The legislator has provided a mechanism to penalise this procedural inertia: the lapse of proceedings. This mechanism, which is often overlooked, is a powerful tool for regulating judicial time. What is it?The banking monopoly in France: who can carry out banking activities?
In the French financial world, not all activities are open to all players. The legal system puts in place strict safeguards to protect the public and financial stability. The banking monopoly is one of the pillars of this protective architecture. Supervision of banking activities The legislator...The over-indebtedness procedure: stages and practical effects
The spiral of debt can quickly spiral out of control. Unpaid bills, accumulating credit, overdrafts... When it becomes impossible to pay off non-business debts, the over-indebtedness procedure offers a legal way out. This procedure, codified in articles L.711-1 et seq. of the French Consumer Code, enables people who...The injunction to do: a legal procedure to obtain performance of an obligation
When you are faced with a contractor who refuses to fulfil an obligation to do something (deliver a good, carry out work, provide a service), the injunction to do something procedure offers an alternative to the traditional channels. This procedure, which is less well known than its cousin the injunction to pay, nevertheless deserves the attention of all creditors...
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