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.
Conflicts of interest in the banking sector: prevention and management
Banking institutions often wear many hats: lender, shareholder, securities distributor, advisor, etc. This inherent versatility creates fertile ground for the emergence of conflicts of interest. High-profile cases such as the Enron scandal in the United States and the LVMH v Morgan Stanley dispute in France are painful reminders of this.News and recent case law on time limits
Controlling procedural time limits is a strategic factor in any dispute. In recent years, the law governing time limits has undergone considerable change, both through legislative reforms and developments in case law. These changes redefine the time constraints imposed on litigants. The 2019 reform of civil procedure...The European System of Central Banks: architecture and operation
Understanding the European System of Central Banks (ESCB) is essential to grasping Europe's monetary mechanisms. This complex structure, born of the Maastricht Treaty, governs our daily economic life without us always being aware of it. 1 Introduction to the ESCB and the Eurosystem Definition and composition of the ESCB The ESCB, created...Personal recovery: a solution for irremediably compromised situations
When debts pile up with no hope of being cleared, a situation often referred to as over-indebtedness, the French legal system offers a radical solution: personal recovery. This procedure, often compared to 'civil bankruptcy', allows debtors to start afresh by wiping out their debts under certain strict conditions. Personal recovery...Injunction to do: conditions of application
Has your supplier failed to deliver the furniture you promised? Has a craftsman abandoned your work? French law offers an effective procedure for forcing them to perform without a conventional court case: the injonction de faire. This procedure makes it possible to quickly enjoin a debtor to fulfil his obligation. However, it is important to comply with...The rights of the judicial agent of the State and the settlement in legal proceedings
In the judicial arena, the State has a single representative: the State Judicial Agent (AJE). This legal representative, often unknown to the general public, has specific prerogatives while being subject to ordinary law. The AJE's power of settlement is a strategic tool for resolving disputes involving the State, particularly those relating to...The European Enforcement Order: understanding this cross-border debt collection mechanism
Imagine that your French company has a claim of €20,000 against a German customer. Before 2004, recovering this sum required an exequatur procedure - long and costly. Since Regulation (EC) No 805/2004, you can obtain a European Enforcement Order (EEO), which simplifies everything. Introduction to the concept of an EEO...Special procedures before the JEX: applications and enforcement difficulties
Enforcement proceedings sometimes require the enforcement judge (JEX) to intervene quickly and effectively. The legislator has made provision for two special procedures, adapted to urgent situations: the procedure for enforcement difficulties and the procedure on application. These procedures enable bailiffs and creditors to obtain rapid and effective...Loan insurance: issues and developments
Got your mortgage? Congratulations. But don't forget loan insurance, which is often relegated to second place during negotiations, but is nonetheless essential. It can account for a substantial proportion of the total cost of your loan, sometimes up to 30% or even more, depending on your profile and cover. Its role is...Internal credit insurance: protecting receivables on the domestic market
Companies that sell on credit are exposed to the risk of non-payment. This risk, which is often overlooked, can jeopardise their cash flow and even their survival. Internal credit insurance offers protection against this threat. Scope of internal credit insurance Traditional insolvency insurance Internal credit insurance mainly protects against the insolvency of debtors. However, this concept...
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