DEFENSE AGAINST SEIZURES

GOOD TO KNOW

All the info you need on foreclosure

Defending yourself against bank foreclosures is not easy. This defense requires a great deal of experience, and a great deal of legal and financial technique. it is possible to couple the defense with a verification of the rates actually applied by the banker-lenders: interest rates, daily rates, periodic rates, TEG and APR. Our vision is to design defense plans to change the balance of power between the borrower and his creditor.

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DISPUTES AGAINST SEIZURE

Hearings held by the Judge

Our goal is to present strong and remarkable challenges to the Execution Judge. With experience, we have been rather successful.

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The means of defense are innumerable. Basically: abusive clauses, irregular lapses of the term, inaccurate rates and unenforceable statement, procedural deadlines not respected, limitation period, suspensions of the procedure.

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The Judge does not render intermediate decisions. He Judges everything, all at once. Hence the importance of not forgetting anything.

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THE SEIZURE PROPERLY

The command to pay worth seizure

The bank carries out the seizure of your property by means of a command to pay worth seizure, which is given to you by a bailiff, who will come back 3 months later to give you a summons to appear before the execution judge.

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It is the Judge who will examine all disputes against this seizure. Then it will be too late. It is not "recoverable" on appeal.

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It is at this stage of the operations that you must contact a lawyer if you wish to defend yourself.

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THE SOLUTIONS

Perilous issues

Getting started with a foreclosure is perilous for everyone.

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For the defaulting debtor, of course, who risks losing his house or his investment, if the Judge "validates" the seizure.

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For the bank also, which risks losing its right to act against you by exhaustion of its rights, or bad implementation, without the possibility of starting again, if the Judge "invalidates" the procedure, towards which all our efforts are directed. .