Overview

Debt collection is of paramount importance to credit institutions, and they often fail to recover their debts amicably. That's why we're here today to look at the judicial collection of bank debts. This is the last resort available to creditors to recover their debts. Indeed, there are two types of proceedings: emergency proceedings, which rule only on the facts and not on the law; and proceedings on the merits, which rule on the law and are rather complex and costly. However, even if an order or judgment is issued, the debtor does not always comply with it, which can lead to compulsory execution to enable the creditor to recover his claim. There are nevertheless a number of shortcomings associated with the judicial collection procedure, and we will therefore examine some proposed solutions that could reduce the rate of outstanding debts.

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