Maître Aurélie MUSSET

Avocat au barreau de Chartres

Compétences : Droit pénal, Droit du crédit et de la consommation, Droit commercial, des affaires et de la concurrence, Droit de la famille, des personnes et de leur patrimoine, Droit des enfants

Barreau : Chartres

Adresse : 5 Rue de la Pointe à l'Hermite 28300 LEVES

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Publié le 06/03/2018

Moyens de défense de la caution solidaire et dirigeante: récentes décisions obtenues à Chartres

Article juridique - Droit du crédit et de la consommation

Par Me Aurélie MUSSET

Moyens de défense de la caution solidaire et dirigeante: récentes décisions obtenues à Chartres

MOYENS DE DEFENSE DE LA CAUTION SOLIDAIRE ET DIRIGEANTE

Notre cabinet a récemment obtenu des décisions intéressantes pour ses clients poursuivis en qualité de cautions solidaires au titre d'engagements pris par leur société placée en liquidation judiciaire.

Les banques sont déboutées de l'intégralité de leurs demandes sur le fondement de l'article L341-4 du Code de la consommation qui prévoit que le créancier professionnel ne peut se prévaloir d'un contrat de cautionnement conclu par une personne physique dont l'engagement était manifestement disproportionné à ses biens et revenus, à moins que le patrimoine de cette caution, au moment où celle-ci est appelée, ne lui permette de faire face à son obligation.

Dans un premier dossier devant le tribunal de commerce de Chartres, l'argumentaire développé par le cabinet a permis à notre client d'être déchargé en totalité d'une condamnation en paiement de 26.000 euros avec intérêt au taux légal (T. com. Chartres, 17 mai 2017, n° 2016J03846. Lire en ligne : https://www.doctrine.fr/d/TCOM/Chartres/2017/VC7BE78C0A85D62EE6F2E).

Dans une seconde affaire, cette fois devant le tribunal de grande instance de Chartres, la banque s'est vue déboutée de sa demande en condamnation de 11.000 euros et autres demandes au titre du préjudice subi.

Lorsque d'anciens dirigeants sont poursuivis en qualité de cautions solidaires par les banques, nous recommandons la plus grande prudence. Ne répondez pas seul aux lettres de mise en demeure, rapprochez-vous d'un avocat !