Maître Anne-Sophie RAMOND

Avocat au barreau de Paris

Compétences : Droit commercial, des affaires et de la concurrence, Droit bancaire et financier, Droit du travail

Barreau : Paris

Adresse : 10 RUE DE LA NEVA 75008 PARIS

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Publié le 21/09/2026

Demander des délais de paiement au juge de l'exécution

Article juridique - Droit du crédit et de la consommation

Par Me Anne-Sophie RAMOND

Demander des délais de paiement au juge de l'exécution

Introduction

Même après l'engagement d'une procédure de saisie immobilière, il est possible de solliciter du juge des délais pour payer. Ce mécanisme, fondé sur l'article 1343-5 du Code civil, permet au juge, en considération de la situation du débiteur, de reporter ou d'échelonner le paiement dans la limite de deux ans. Pendant ce délai, la procédure est suspendue.

Les conditions

Le débiteur doit démontrer des difficultés financières temporaires (et non une insolvabilité structurelle), sa bonne foi, et des perspectives réalistes de remboursement à l'issue du délai.

Les limites

Le juge dispose d'un pouvoir souverain d'appréciation. Il peut refuser les délais si la situation du débiteur paraît sans perspective de redressement. Ce mécanisme ne s'applique pas dans le cadre d'une procédure collective.

⚖ Civ. 2e, 14 octobre 2021, n°19-25.218

La Cour de cassation juge que le juge de l'exécution peut accorder des délais de grâce à tout moment de la procédure, y compris après le jugement d'orientation, dès lors que la demande est présentée avant le jugement d'adjudication.

⚖ CA Lyon, ch. civ. 6, 14 janvier 2021

La cour d'appel de Lyon confirme l'octroi de délais de grâce à un débiteur qui justifiait d'une vente en cours de son bien à un prix couvrant la totalité de la créance.

Sur le même sujet : https://consultation.avocat.fr/blog/anne-sophie-ramond/article-2981883-comment-echapper-a-la-vente-aux-encheres-de-sa-maison.html

Vous pensez être dans une situation similaire ? Vous pouvez nous adresser un mail à l’adresse suivante : asr@asr-avocats.com, en nous indiquant :

• votre nom

• le montant du prêt

• la banque concernée

• vos coordonnées

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