Guidelines and Tips: How to recover a debt in France?

"Injonction de payer" (Order for payment of a small debt)

This is the fastest procedure among the three, and the debtor's knowledge of the hearing happening is not even needed.

Neither is the claimant's assistance by an attorney.

However, because this is a non-adversarial procedure, proof of the debt and of its amount must be very clearly established.

The creditor submits his plea to the Tribunal and produces all the documents he has to prove the existence and amount of the debt he is requesting the payment of.

The judge will either agree with your plea or reject it.

When you obtain a favorable decision, you then have to have it notified to your debtor by a bailiff within 6 months.

Your debtor then has 1 month to object to this order for payment ("ordonnance portant injunction de payer").

If he does object to this order, an ordinary proceeding ("Procédure au fond") will begin.

If your debtor does not object to the order for payment within a month, you may then request an enforcement order and have your debtor's assets seized.

"Référé" (against the bad faith debtors)

This is an adversarial procedure to obtain a provisional judgment.

The main advantage of this procedure is its speed (judgments are usually obtained within three to five months).

If debtors will present a defense in such a proceeding (as it is an adversarial procedure), they will usually nonetheless comply with it when a sentence is rendered.

Indeed, debtors have no interest in starting an additional procedure which they know they will lose.

As it is in theory a provisional judgement (used as a definitive one to allow for speed), you will have to show that your claim cannot suffer any serious challenge.

Please note that the limit of this procedure is that it does not allow for damages (except for your attorney's fees).

You must be assisted by an attorney if the amount you request exceeds 10,000 euros, but you can initiate this proceeding alone if not (might be a bit tricky though ;) ).

The procedure begins with the notification of a subpoena by the creditor's bailiff to the debtor. This subpoena must set out the points on which the creditor's claims are based.

The judge will hear the plaintiff and the debtor during a public hearing.

An appeal may be filed if the claim exceeds 4,000 euros.

"Procédure au fond" (Ordinary procedure)

This is the appropriate procedure if your claims can be challenged.

Here again, having an attorney is mandatory if you claim over 10,000 euros.

As with the "référé", this procedure begins with the notification of a subpoena by the creditor's bailiff to the debtor.

The judge will set a timetable for the exchange of written documents between the parties and organize an oral hearing.

The judgment will usually be obtained within eighteen months.

Since the 2020 reform, all judgments obtained before Judicial or Commercial Courts are immediately enforceable, and thus even if an appeal is filed (one exception).