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Banking guarantees

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Banking guarantees

Repurchase credit, solutions credit in the department in the loire, area of the 42 - France
Simulator real estate credit, simulator of loans, simulators of appropriations
42000 ST ETIENNE, 42100 ROCHETAILLEE, 42100 TERRENOIRE ST ETIENNE, 42110 CHAMBEON, 42110 CIVENS, 42110 CLEPPE, 42110 EPERCIEUX ST PAUL, 42110 FEURS, 42110 JAS, 42110 MIZERIEUX, 42110 PONCINS, 42110 POUILLY LES FEURS, 42110 SALT EN DONZY, 42110 SALVIZINET, 42110 ST BARTHELEMY LESTRA, 42110 ST MARTIN LESTRA, 42110 STE FOY ST SULPICE, 42110 VALEILLE, 42111 LA COTE EN COUZAN, 42111 LA VALLA, 42111 ST DIDIER SUR ROCHEFORT, 42111 ST THURIN, 42114 CHIRASSIMONT, 42114 MACHEZAL, 42114 ST CYR DE VALORGES, 42120 COMMELLE VERNAY, 42120 LE COTEAU, 42120 NOTRE DAME DE BOISSET, 42120 PARIGNY, 42120 PERREUX, 42120 ST VINCENT DE BOISSET, 42122 ST MARCEL DE FELINES, 42123 CORDELLE, 42123 ST CYR DE FAVIERES, 42130 AILLEUX, 42130 ARTHUN, 42130 BOEN, 42130 CEZAY, 42130 DEBATS RIVIERE D'ORPRA, 42130 L'HOPITAL SOUS ROCHEFORT, 42130 LEIGNEUX, 42130 MARCILLY LE CHATEL, 42130 MARCOUX, 42130 MONTVERDUN, 42130 ST ETIENNE LE MOLARD, 42130 ST LAURENT ROCHEFORT, 42130 ST SIXTE, 42130 STE AGATHE LA BOUTERESSE, 42130 TRELINS, 42131 LA VALLA EN GIER, 42140 CHATELUS, 42140 CHAZELLES SUR LYON, 42140 CHEVRIERES, 42140 FONTANES, 42140 GRAMMOND, 42140 LA GIMOND, 42140 MARCENOD, 42140 MARINGES, 42140 ST DENIS SUR COISE, 42140 VIRICELLES, 42380 ST HILAIRE CUSSON LA VALMITTE, 42380 ST NIZIER DE FORNAS, 42390 VILLARS, 42400 IZIEUX ST CHAMOND, 42400 ST CHAMOND, 42400 ST JULIEN EN JAREZ, 42400 ST MARTIN EN COAILLEUX, 42410 CHAVANAY, 42410 CHUYER, 42410 LA CHAPELLE VILLARS, 42410 PAVEZIN, 42410 PELUSSIN, 42410 ST MICHEL SUR RHONE, 42410 VERIN, 42420 LORETTE, 42430 CHAMPOLY, 42430 CHAUSSETERRE, 42430 CHERIER, 42430 JURE, 42430 ST JUST EN CHEVALET, 42430 ST MARCEL D'URFE, 42430 ST ROMAIN D'URFE, 42440 CERVIERES, 42440 LA CHAMBA, 42440 LA CHAMBONIE, 42440 LES SALLES, 42440 NOIRETABLE, 42140 VIRIGNEUX, 42150 LA RICAMARIE

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Recovery of the debts


The installation of measurements of distraint of the common right.


Once the practised temporary measures, the debtor must assign at the bottom, i.e. to seize the Court of competent jurisdiction (civil jurisdictions when it is about a civil credit and Bankruptcy court, when it is about a commercial credit) to make note his credit and obtain the judgment of the debtor to regulate the sum due to him.



The judgement if it is matched provisional execution or if it is final, will make it possible to transform the garnishment into seizure attribution or seized sale:



The seizure attribution (articles 42 to 47 of the law of July 9, 1991 and decree 55 to 79 decree of July 31, 1992). It is a seizure of credits of sums which a third on behalf of the debtor holds, including the banks.


The unpaid ones are recovered near the third between the hands of which the seizure will be practised. It is carried out by act of usher addressed by seizing to the seized third and prohibits to him to have the sums claimed within the limit of what the debtor owes.

The debtor has a one month deadline as from the seizure to seize the judge of the execution.



Seizure - sale (articles 50 to 55 law of July 9, 1991 and decree July 31, 1992 articles 81à 138). It makes it possible to the creditor to seize the pieces of furniture of the debtor, to make them sell and to be paid on the price.


- Seized of the rights of associated and the transferable securities (articles 178 to 193 of the decree of 1992)


Are also seizable the titles, partnership shares, right of associated or transferable securities. The seizure is carried out is near the third which manages them or holds them, that is to say near the transmitting company. The act of seizure makes inalienable the emoluments of the debtor.


This one can obtain the replevin from it by consigning a sufficient sum to satisfy the creditor. This sum is especially assigned to the profit of the distraining creditor.



In the absence of payment or of friendly sale, the compulsory sales can intervene within one month on the presentation of a certificate issued by the secretariat grafts attesting that no dispute was formed or, if necessary, of a judgement rejecting the dispute raised by the debtor.


For the allowed transferable securities with dimensions official or that of the second market, the sale is carried out by the competent intermediary, generally the company of purse.



For the rights of associated or the transferable securities not - dimensioned, the sale is made in the form of adjudication with a schedule of conditions which takes again the legal or statutory restrictions on transferability.



It is also possible to carry out the seizure of the remunerations of labour (article R 145-1 and following of the labor regulation).


Any creditor provided with an executory title noting a liquid and exigible credit can make carry out the attachment renumeration which had by an employer with his debtor.


Jurisprudence extends this concept to the retirement pensions. The procedure is open in front of the magistrates' court of the place of residence of the debtor.


This procedure is matched conditions as the share of the seizable wages and the quality of employee.


Rules of labelling


Products exposed to the sight of the public


The price of the market products with the detail and exposed to the sight of the public (window, display or shelves) must be the subject of a marking by sign or a readable and accessible labelling.



Information must appear in such a way that the consumer does not have to enter the store to read it or get information (Stopped no82-105/A of the 10/11/1982, Article 2 and 5)



This obligation applies to all the spot of sale which it is of a store, a fair or a living room. The products of occasion do not escape this principle.


On the other hand, the balanced articles are fixed with particular rules



The rules of the labelling of the price apply to all the prepackaged products (food or not)



But for the latter, the salesman must in parallel indicate a price to the measuring unit (with the kilogramme, with the liter) (Decree no82-105/A of the 10/11/1982)

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Simple banking guarantee

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JEANSAGNIERE, 42940 CHATELNEUF, 42940 ST BONNET LE COURREAU, 42990 SAUVAIN, 42990 ST GEORGES EN COUZAN, 42990 ST JUST EN BAS .... 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