Can you be evicted from your home during an over-indebtedness procedure?
Verified 21 January 2021 - Directorate for Legal and Administrative Information (Prime Minister)
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The debt overhang is rented
If the expulsion has been ordered, the debt relief commission may, as soon as the file on over-indebtedness is declared permissible, apply to the court for the judge to temporarily suspend the expulsion measures.
However, in cases of urgency and after the decision on admissibility, the judge may be seised by one of the following persons:
- Chairman of the Committee or his delegate
- Local representative of the Banque de France
- Tenant (by declaration delivered or addressed to the court registry) using the form cerfa n°15930:
Statement at the Registry of the Court of Justice in the context of over-indebtedness proceedings
The suspension of eviction measures is only authorized by the judge if the tenant's situation so requires.
The judgment can be appealed.
The suspension of expulsion measures is granted for a maximum period of 2 years and until one of the following events:
- Adoption of a conventional recovery plan
- Decision of measures imposed
- Judgment pronouncing a personal reinstatement without judicial liquidation
- Judgment opening proceedings personal reinstatement with judicial liquidation
The debt overhang owns
If the forced sale (auction) has been ordered, the debt overhang may, upon filing of its debt distress report, call on the over-indebtedness commission to intervene. He must explain why he is making this request (serious causes) and provide proof of it.
The committee then refers the matter to the judge responsible for foreclosure of immovable property for an extension of the date tendering procedure and therefore postponing the eviction of the owner.
The judge's decision is notified by registered letter with request for acknowledgement of receipt to the over-indebted and to the creditors.
The commission is notified by simple letter.
There is no appeal of the judgment.
Who can help me?
Find who can answer your questions in your region
Referral to the over-indebtedness commission
Judgment of the request for deferral of foreclosure
Admissibility of the file: suspension and prohibition of enforcement proceedings and transfer of remuneration
Admissibility of the case: suspension of expulsion measures
Judgment of the application for suspension of expulsion
Application for suspension of seizure of immovable property: Article R322-16
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National Agency for Housing Information (Anil)