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Article L733-13 of the French Consumer Code

The judge hearing the dispute provided for in article L. 733-10 takes all or some of the measures defined in articles L. 733-1, L. 733-4 and L. 733-7. In all cases, the proportion of resources required for the household’s day-to-day expenses is determined in accordance with the conditions set out in article L. 731-2. It is mentioned in the decision. When ruling in application of article L. 733-10, the judge…

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Article L733-14 of the French Consumer Code

If the debtor’s situation so requires, the Protection Litigation Judge shall invite the debtor to apply for a social assistance or social action measure, which may include a budget education programme, in particular a personalised social support measure, under the conditions set out in Book II of the Social Action and Family Code.

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Article L733-15 of the French Consumer Code

The measures imposed pursuant to articles L. 733-1, L. 733-4 and L. 733-7 or those taken by the judge pursuant to Article L. 733-13 may not be invoked against creditors whose existence has not been reported by the debtor and who have not been notified of these measures by the commission.

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Article L733-16 of the French Consumer Code

Creditors on whom the measures imposed by the commission pursuant to articles L. 733-1, L. 733-4 and L. 733-7 or those taken by the judge pursuant to article L. 733-13 are enforceable may not take enforcement proceedings against the debtor’s assets while these measures are being enforced.

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Article L733-17 of the French Consumer Code

The cancellation of a claim pursuant to articles L. 733-9 or L. 733-13 of this Code shall be deemed to constitute regularisation of the payment incident within the meaning of Article L. 131-73 of the Monetary and Financial Code.

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Article L741-1 of the French Consumer Code

If the examination of the request for treatment of the overindebtedness situation reveals that the debtor is in the irremediably compromised situation defined in the second paragraph of article L. 724-1 and only owns assets mentioned in 1° of the same article L. 724-1, the commission shall impose a personal recovery without judicial liquidation.

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Article L741-2 of the French Consumer Code

In the absence of a challenge under the conditions set out in article L. 741-4, personal recovery without judicial liquidation entails the wiping out of all the debtor’s professional and non-professional debts as at the date of the commission’s decision, with the exception of the debts mentioned in articles L. 711-4 and L. 711-5 and debts the amount of which has been paid in place of the debtor by the…

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Article L741-5 of the French Consumer Code

Before ruling, the judge may publish a call for creditors. He may verify, even of his own motion, the validity of the claims and the documents evidencing them as well as the amount of the sums claimed and ensure that the debtor is indeed in the situation referred to in article L. 711-1. It may also prescribe any investigative measure it deems useful. Notwithstanding any provision to the contrary, the…

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