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Civil bankruptcy in Alsace Moselle

In financial difficulties, erase your debts in the regions of Strasbourg, Saverne, Colmar, Mulhouse, Sarreguemines, Metz...

An economical procedure

If you are not eligible for legal aid, we invoice at a flat rate by offering you payment facilities in 3 instalments free of charge.

Simplified procedures

If you are domiciled in Alsace Moselle, we support you to achieve the erasure of your debts as quickly as possible.

Need information on Civil Bankruptcy?

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    Questions about civil bankruptcy in Alsace Moselle?
    What is Civil Bankruptcy?

    In Alsace Moselle, thanks to local law and when the conditions are met, civil bankruptcy allows people in financial difficulty to have their debts erased. The goal is to give a second chance, as for companies.

     

    How is it different from the over-indebtedness procedure?

    Over-indebtedness does not have the same purpose as civil bankruptcy: the purpose of civil bankruptcy is to request the cancellation of debts, while the over-indebtedness procedure aims to find a solution to financial difficulties (implementation of a, a moratorium or erasure…everything will depend on the file).

    The over-indebtedness file is a procedure before the Banque de France, while civil bankruptcy takes place before the High Court of your domicile.

     

    Where to file a civil bankruptcy file in Alsace Moselle?

    The case is filed with the Tribunal de Grande Instance of your domicile. You will then be given a hearing date. During this civil bankruptcy hearing, the origin and aggravation of your difficulties will be presented.

    Who is civil bankruptcy in Alsace Moselle for?

    There are four conditions to be able to file a civil bankruptcy file in Alsace Moselle:

    1. Be a natural person;
    2. Be domiciled in the departments of Moselle, Bas-Rhin or Haut-Rhin;
    3. Be in good faith: it is always presumed. Being in good faith means that you must not have consciously created debts in order to then hope to erase them with a bankruptcy procedure. Indebtedness must be involuntary.
    4. Being in a notorious state of insolvency : it is necessary that with regard to various criteria (age, income, professional situation, personal/family situation, current expenses, etc.) it appears that you will not be able, within a reasonable time, to reimburse your debts.

     

    Are all debts erased by a civil bankruptcy?

    No, not all of them. Alimony debts (eg alimony), debts of a penal nature (eg fine) are not, for example, erased.

     

    What are the effects of filing for bankruptcy?

    When the civil bankruptcy is pronounced, the Court appoints a liquidator who will take stock with you, as well as a bailiff who will check if you do not have valuable goods that can allow you to repay at least in part the creditors.

    NB: if you have a property, it can be apprehended to be sold.

    How much does a civil bankruptcy procedure in Alsace Moselle cost?

    When you are in a notorious state of insolvency, you may be able to benefit from full legal aid. In this case you will not have to pay us any fees. Otherwise, our rates start at €999 including tax, payable in 3 installments free of charge.

     

    What is legal aid?

    Depending on your resources, the lawyer’s and procedural costs are fully or partially covered by the State. It is sometimes simplified by saying that if you benefit from legal aid, your “lawyer is free”.

     

    How to get legal aid?

    If you use our services, we accompany you to make the request by pre-filling the form.

     

    How much does the procedure cost if I do not obtain legal aid?

    We invoice you at a flat rate, depending on the number of your debts to be erased:

    • €999 including tax up to 5 creditors;
    • €1499 including tax between 5 and 10 creditors;
    • 1999€ including tax beyond 10 creditors.

    We offer payment facilities in 3 installments free of charge.

    Civil Bankruptcy near Strasbourg

    Are you in financial difficulty and live within the jurisdiction of the Tribunal de Grande Instance of Strasbourg? We accept legal aid. You will find all the information in order to obtain the cancellation of your debts thanks to the civil bankruptcy procedure, in particular in Strasbourg Haguenau Schltigheim Lauterbourg, on this page: Civil Bankruptcy near Strasbourg

    Civil Bankruptcy near Saverne

    Are you in financial difficulty and live within the jurisdiction of the Saverne Tribunal de Grande Instance? We accept legal aid. You will find all the information in order to obtain the cancellation of your debts thanks to the civil bankruptcy procedure, in particular in Saverne Molsheim Obernai Schirmeck, on this page: Civil Bankruptcy near Saverne

    Civil Bankruptcy near Colmar

    Are you in financial difficulty and live within the jurisdiction of the Tribunal de Grande Instance of Colmar? We accept legal aid. You will find all the information to obtain the cancellation of your debts thanks to the civil bankruptcy procedure, in particular in Colmar Andlau Séléstat, on this page: Civil Bankruptcy near Colmar

    Civil Bankruptcy near Mulhouse

    Are you in financial difficulty and live within the jurisdiction of the Tribunal de Grande Instance of Mulhouse? We accept legal aid. You will find all the information to obtain the cancellation of your debts thanks to the civil bankruptcy procedure, in particular in Mulhouse Cernay Altkirch, on this page: Civil Bankruptcy near Mulhouse

    Civil Bankruptcy near Sarreguemines

    Are you in financial difficulty and live within the jurisdiction of the Tribunal de Grande Instance of Sarreguemines? We accept legal aid. You will find all the information in order to obtain the cancellation of your debts thanks to the civil bankruptcy procedure, in particular in Sarreguemines Morsbach Morhange Achen, on this page: Civil Bankruptcy near Sarreguemines

    Civil Bankruptcy near Metz

    Are you in financial difficulty and live within the jurisdiction of the Tribunal de Grande Instance of Metz? We accept legal aid. You will find all the information in order to obtain the cancellation of your debts thanks to the civil bankruptcy procedure, in particular in Metz Lutzelbourg Munster, on this page: Civil Bankruptcy near Metz

    Civil Bankruptcy near Thionville

    Are you in financial difficulty and live within the jurisdiction of the Tribunal de Grande Instance of Thionville? We accept legal aid. You will find all the information in order to obtain the cancellation of your debts thanks to the civil bankruptcy procedure, in particular in Thionville Knutange Audun-le-Tiche, on this page: Civil Bankruptcy near Thionville