Sub-section 2: Attachment of accounts opened with institutions authorised by law to hold deposit accounts

Articles R. 211-1 to R. 211-13 apply to the seizure-attribution of accounts subject to the following provisions.

The act of seizure renders unavailable all the debtor’s accounts representing claims to sums of money.

The garnishee’s declaration indicates the nature of the debtor’s account(s) and their balance on the day of the seizure.

Based on the information provided by the garnishee, the creditor may limit the effect of the seizure to certain accounts. By agreement between the parties or by decision of the enforcement judge, the unavailability of the accounts may be terminated by the provision of an irrevocable guarantee up to the amount of the sums claimed.

When a seizure is made on a joint account, it is notified to each of the account holders. If the names and addresses of the other account holders are unknown to the bailiff, the bailiff will ask the institution holding the account to inform them immediately of the seizure and the amount of the sums claimed.

If the debtor holds different accounts, payment is made by first drawing on the funds available at sight, unless the debtor requests payment in some other way.