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Bonjour,
Logiquement on peut négocier avec l'huissier, à partir du principe que l'on prouve notre impossibilité de régler la dette d'un coup et que l'on prouve notre bonne foie en essayant d...
by:uphire Offline
hits:69
Bonjour,
Etant producteur de sites web, mon client me demande conseil pour le sortir d'une situation similaire à celles vécues dans ce forum.
Il a signé un contrat one-sh...
by:JFK1163 Offline
hits:110
saisie bonjour
j'ai été condamné avec mon amie à régler des loyers en retard mais sans solidarité et le tribunal a laissé à mon amie un délai de 2 ans pour régler vu qu'elle est au rsa. cependant l...
by:galere Offline
hits:69
Bonjour,
je vous invite pour visiter le www.portail-des-avocats.com ça a l'air intéressant, là vous pouvez consulter un avocat si vous avez besoin ;)
Cordialement.
by:fadoua Offline
hits:351
Bonjour,
je vous invite pour visiter le www.portail-des-avocats.com ça a l'air intéressant, là vous pouvez consulter un avocat si vous avez besoin ;)
Cordialement.
by:fadoua Offline
hits:185
Oh, un "spameur", plus sérieusement, quelqu'un peut il m'aiguiller à ce sujet? Merci
by:uphire Offline
hits:113
convocation gendarmerie Je viens de recevoir une convocation en gendarmerie suite à une altercation que j'ai eue hier.Hier en me rendant dans un commerce pour 10 secondes je me suis garé sur une place de parking handicap...
by:ducdegordon Offline
hits:71
attaquer son ancien syndic Bonjour, Notre ancien syndic (nous sommes en syndic judiciaire depuis qq mois!) n'a pas réussi à faire executer des travaux votés (votés avant notre achat dans cette corpo)(ravalement) un copropri...
by:onyx83 Offline
hits:44
Préparation examen CRFPA Bonjour,
Passant bientôt l’examen du CRFPA 2012, je recherche une bonne prépa pas trop chère. Cette semaine, j’ai donc été me renseigner sur la nouvelle prépa : Prépa Spé-Avocat.
by:Prépa Spé-Avocat Offline
hits:94
Période de préavis dans le cas d'une mutation Bonjour,
Mon conjoint loue un appartement depuis six ans et le bail a été rempli à son nom (je n'ai donc pas signé le bail de ma main). Nous nous sommes pacsés depuis quatre ans et depuis ce...
by:Myrtille Offline
hits:67
foreclosure
Written by Administrator Thursday, 16 June 2011 07:25
1 - General
Under French law, the foreclosure is a "being implemented" which allows any creditor in possession of an enforcement evidence of indebtedness "of a fixed" to recover the debt by entering a building belonging to the debtor
More specifically under Article 2191 of the Civil Code:
"Foreclosure tends to the forced sale of the property of the debtor or, where applicable, the third holder for the distribution of the prize"
This method of enforcement, particularly in its technical implementation has recently been reformed by:
Once the meaning of "command worth seizure" which marks the beginning of the procedure, it is the responsibility of the "judge of the execution" (Article L213-6 of the Code of Judicial Organisation).
If the creditor must necessarily be represented by counsel throughout the proceedings the debtor may perform certain acts without representation.
If the creditor must necessarily be represented by counsel throughout the proceedings the debtor may perform certain acts without representation.
The great peculiarity of the foreclosure is that it requires the creditor who practice the attachment is called the creditor pursuing - to very strict deadlines to be followed like clockwork.
2 - From the command-hearing orientation
The command is both the starting point of the procedure and his spine.
It must be served by a bailiff seized in (called the "Debtor"), but also (and within 24 hours) to the spouse in the event that the seized property is the residence of the couple .
On the day of such service, the debtor is in "escrow", meaning mainly that he can not sell the property.
To make sure the law requires, moreover, that the pursuing creditor issues the command to the mortgage in a period of two months of service.
This allows both to prevent any sale of the property (since a lawyer can not pass a sale without asking for a recent mortgage statement) and to capture up against all other potential creditors.
The meaning of the command is also from a period of eight days, after which the creditor may send a bailiff who may enter the premises (yes, you read that right) to achieve a record description of the property.
The bailiff came when necessary with a real estate expert responsible for conducting the technical expertise provided by law (lead, asbestos, pest status ...)
These elements are crucial to the creditor in order to set a reserve price.
As soon as the reserve price is decided, the creditor shall serve (always by a bailiff) an assignment:
- the debtor
- to known creditors (those who benefit from an inscription on the property to the mortgage)
to appear before the judge of the execution at a hearing called "guidance".
At the same time (and within five days) filing in the office of judge of the performance specifications of the conditions of sale which contains all information about it and may be consulted by any respondent.
It is this document which, if the procedure comes to an end, will serve as title to the purchaser of the property.
3 - The hearing Guidance
The audience orientation is, after the meaning of the command, the second highlight of the proceedings.
It was here that takes the adversarial who will decide the fate of the property seized.
At the hearing of orientation, the judge will first:
- Verify if the creditor continues, has a claim has fallen due, acting under a writ of execution, as stated in Article 2191 of the Civil Code.
- Check that the distress is on the rights seizure within the meaning of section 2193 of the Civil Code
- Determine the amount of the claim of the creditor pursuing
and any other known creditors
However, if these conditions are met carrots may not be cooked for the debtor.
At the hearing of orientation, the judge will also
- rule on any disputes and incidental claims
- determine the modalities for further proceedings
Challenges and demands incident may involve a lot of things.
So it's time for the debtor to the creditor to raise all the hares of the earth to try to save the head of his building.
It may include contest the amount of the claim, asserting the existence of an excessive debt procedure in progress, raise the lapse of an act that was not done on time, at its nullity if formality has not been met.
It can also challenge the reserve price if the property would be sold off clearly.
This is far from a textbook. In the event that the well would not find a buyer the pursuing creditor runs the risk of being automatically declared "bidder". But this solution is both expensive (if the reserve price exceeds the debt) and embarrassing (as it will take her case to get rid of bulky though).
This is far from a textbook. In the event that the well would not find a buyer the pursuing creditor runs the risk of being automatically declared "bidder". But this solution is both expensive (if the reserve price exceeds the debt) and embarrassing (as it will take her case to get rid of bulky though).
To attract buyers chasing creditors are often tempted to offer a starting price well below the value of the property.
If nothing else, the debtor can finally apply for a grace period which shall in any case exceed two years.
5 - the possible private sale
The new procedure also allows the debtor to propose an alternative to the auction by requesting permission to sell out of court and notary.
But you have to show it happens the chances of making the sale at short notice.
In this case the judge simply sets the amount of the price below which the property may be sold and appoints a receiver that will be recorded in the sales price, pending distribution.
It also decides the date on which the case the matter will be called to take stock. (Up to 4 months after the hearing of orientation)
If the day of the hearing "recall" the sale was not made the debtor may obtain a final period of 3 months).
If for some reason or another the private sale is not possible, the judge can (or at the hearing either orientation at a hearing of recall) to order the forced sale.
He decides the date of such sale and the reserve price.
6 - The forced sale
The sale hearing is held within two to four months after the hearing at which the sale was ordered.
This is a public auction held at the High Court (and not the auction house).
To avoid the curious and the jokers, bidders must always be represented by counsel and to produce as collateral a bank check in the amount set by the terms of conditions of sale.
In practice, these sales are often "trustees" by property dealers whose resources exceed those of most individuals.
If however you get to be declared successful, do not jump for joy after all. You are not off the hook.
Wait for the first expiry of the bidding.
During a period of ten days, in fact, anyone can bid (by legal action) by raising at least 10% of the amount to which the property was awarded and thus trigger a new hearing of sale.
Then make sure to be able to pay the price.
Failing to have it resolved within 90 days you risk seeing a trigger against you paying bidder procedures.
The principle of this new sales is very simple. If the property is sold at a price greater than or equal to the one you proposed your summers out of the woods.
Otherwise you will be charged the difference. (I know, it's hard but it's the law)
7 - distribution of the sale price
Once the sale price paid is placed in the hands of the receiver appointed.
It is then to distribute it.
Previously this charge amounted to "judge's orders." Since the order of 2006. It is the creditor's lawyer prosecutor who is responsible for directing. (You'll note in passing that this is another piece of the sections of law that the judge recently removed)
It is then to distribute it.
Previously this charge amounted to "judge's orders." Since the order of 2006. It is the creditor's lawyer prosecutor who is responsible for directing. (You'll note in passing that this is another piece of the sections of law that the judge recently removed)
This is in principle a mutual agreement that brings about the pursuing creditor known creditors (including any intermediate creditors, who have appeared during the procedure) and the debtor.
It aims to distribute the sale price, first among the creditors according to the rank and privileges of their potential to the debtor if a balance emerges.
Without this small world to hear, (which is likely) it will again go to court for the execution to finally get the release of funds by the receiver.
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