Maître Zaïra APACHEVA

Avocat au barreau de Lyon

Compétences : Droit commercial, des affaires et de la concurrence, Droit immobilier, Droit du crédit et de la consommation

Barreau : Lyon

Adresse : 1A Chemin de la Pomme 69160 TASSIN LA DEMI LUNE

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Publié le 02/05/2024

CONFLIT AVEC VOTRE BANQUE ? FAITES APPEL À VOTRE AVOCAT

Article juridique - Droit commercial, des affaires et de la concurrence

Par Me Zaïra APACHEVA

CONFLIT AVEC VOTRE BANQUE ? FAITES APPEL À VOTRE AVOCAT

Dirigent d’une société, vous vous êtes porté caution pour les différents prêts souscrits par cette dernière, au cours de son activité.

Celle-ci faisant désormais l’objet d’une procédure collective, l’établissement financier vous poursuit en paiement.

Contrairement à l’idée générale - et à ce que le créancier a dû vous indiquer dans son courrier de mise en demeure et/ou son assignation en paiement -, un engagement de caution ne vous soumet pas automatiquement à l’obligation de payer les sommes réclamées.

En effet, de différents moyens de défense sont à votre disposition, lesquels vous permettront de faire tomber entièrement le cautionnement ou a minima, réduire substantiellement son quantum.

Voici, un aperçu des moyens de défense que votre Avocat pourra développer pour vous défendre :

l’extinction ou la prescription du cautionnement ;
la nullité du cautionnement ;
le bénéfice de discussion et de division ;
la disproportion du cautionnement ;
la négligence de la banque (défaut d’information, de conseil, de mise en garde. etc.) ;
etc.

Notre Cabinet se tient à votre disposition pour vous aider à dénicher les « vices » de votre cautionnement vous permettant ainsi de vous décharger partiellement ou totalement de votre engagement.

Contactez-nous :