Our bilingual legal team helps businesses and individuals collect overdue payments across France.
Recover private loans and personal debts in France with real legal force — not informal reminders.
Whether you lent money to an individual, helped a friend or family member financially, extended a private loan to a French resident, or granted personal financing that has not been repaid, you have strong legal rights under French civil law.
Our law firm provides effective, lawyer-led personal loan recovery throughout France, ensuring fast action, enforceable procedures, and transparent communication.
We represent private lenders, foreign individuals, investors, expatriates, and family members seeking to recover unpaid personal loans from debtors in France.
Recovering a personal loan in France requires strict compliance with French civil procedure, especially when the loan was granted abroad or informally. Only French lawyers can:
We begin with a formal lawyer-issued demand letter (“mise en demeure”), which is legally required before many French procedures and significantly increases pressure on the debtor.
This phase resolves many private-loan disputes quickly.
Includes:
Follow-up negotiation and settlement assistance
Goal:Obtain repayment quickly without going to court.
If the debtor shows bad faith, financial instability, or risk of hiding assets, we initiate urgent asset-freezing actions to secure the repayment.
We may freeze:
Rent, royalties, or other income streams
Follow-up negotiation and settlement
Our work includes:
Goal: Ensure repayment is still possible even if the debtor becomes uncooperative.
For clear, documented personal loans (written loan contract, debt acknowledgment, or proof of transfer), we can file a fast-track court petition, ideal for foreign individuals and private lenders.
We manage:
Typical timeline: 4–8 weeks, depending on the French court.
When the debtor contests the loan or refuses repayment, we initiate full litigation before the French Tribunal Judiciaire.
Our work includes:
We also recognize and enforce foreign personal loan judgments (EU, UK, US, Canada, etc.) in France.
From 650 € HT + success fee
→ Lawyer demand letter + negotiation + follow-up
From 1450 € HT + success fee
→ Filing, monitoring & obtaining enforceable order
From 3200 € HT + success fee
→ Full representation until judgment
Quoted individually
→ Based on assets and procedural complexity
our services
We regularly represent:
A personal loan is a private financial agreement where one individual lends money to another outside a commercial context. It may be:
To be recoverable, the loan must be certain, liquid, and due.
Personal loan claims are subject to a 5-year limitation period starting from:
Failing to act within this timeframe may permanently bar recovery.
Not strictly, but written evidence is strongly required, especially for amounts exceeding €1,500. Courts typically accept:
Lack of documentation significantly weakens recovery chances.
While not always legally mandatory, a mise en demeure:
Courts expect proof that the creditor attempted formal recovery before litigation.
Send us your unpaid invoices and documents, and our lawyers will review your case at no cost.
You receive a clear recovery evaluation and an initial debtor check within 48 hours.
Our lawyers review your contracts and terms to add protective clauses—retention of title, penalties, guarantees—so you avoid future non-payment.
Strengthen your legal framework before issues arise.
Personal loan disputes are generally handled by:
Jurisdiction depends on claim value and debtor location.
Yes, provided interest was:
Unlawful or excessive interest may be reduced by the court.
Yes, once an enforceable title is obtained. Enforcement options include:
Enforcement must follow strict procedural rules to remain valid.
Disputes may involve:
Courts evaluate evidence consistency and intent of the parties.
We offer a comprehensive range of debt collection services designed to recover outstanding payments efficiently and professionally. From amicable settlement negotiations and formal demand letters to legal recovery actions and enforcement proceedings, our team has the experience and resources to manage all aspects of the debt recovery process while maintaining strong client relationships.
