The Firm’s core areas of practice
The Firm handles both advisory and litigation matters before the courts of the Kingdom, in French and Arabic. Its practice has developed around banking and real estate litigation, which calls for precise knowledge of enforcement procedures and the land registration system, and extends to civil, commercial, corporate and criminal law.
The following pages present each of these areas, their legal framework and the usual course of proceedings. They are for general information only and do not replace the review of a specific situation.
Banking law and debt recovery
Banking law
Relations between the credit institution and its client, governed in particular by Law No. 103-12 and by the Code of Obligations and Contracts.
- Opening, operation and closing of accounts
- Loan agreements and general terms
- Interest rates, charges and interest statements
- Liability of the institution
Banking litigation
Defence and representation in disputes between a credit institution and its client, from formal notice through to enforcement.
- Challenging a debt or account statement
- Validity of accelerated repayment
- Procedural and enforcement disputes
- Requests for payment deadlines
Debt recovery
Handling of the process from the amicable stage through to obtaining and enforcing an enforceable title.
- Formal notice and negotiation
- Order to pay
- Payment summons
- Garnishment and seizure of movable property
Real estate and enforcement proceedings
Real estate and property law
Ownership and property rights, governed by the Code of Real Rights and the dahir on land registration.
- Land titles and land registration
- Transactions and preliminary agreements
- Residential and commercial leases
- Co-ownership and easements
Enforcement proceedings
Enforcement of court decisions and enforceable titles, an area where formal requirements determine the validity of the acts involved.
- Formal demand notice on real property
- Protective and enforcement seizure
- Auction sale and higher bidding
- Disputes and third-party claims
Business law
Commercial law
Disputes between merchants and commercial transactions, governed by the Commercial Code enacted under Law No. 15-95.
- Negotiable instruments and unpaid debts
- Business assets and commercial leases
- Relationships between business partners
- Business difficulties
Corporate law
Corporate life, from incorporation to dissolution, under Laws No. 17-95 and No. 5-96.
- Incorporation and articles of association
- Meetings and corporate resolutions
- Transfer of shares
- Directors’ liability
Criminal law and criminal defence
How a case proceeds
1. Initial meeting
Presentation of the situation and review of the available documents. This step identifies the nature of the dispute, the applicable time limits and the options available. As appeal deadlines are strict and cannot be extended, the date any document was served should be reported at this stage.
2. Analysis and direction
Review of the case in light of the applicable legislation and case law, leading to an assessment of the available arguments and their prospects of success, and guidance on whether to pursue an amicable or contentious approach.
3. Fee agreement
The terms of remuneration are set out in writing before any work begins, along with the anticipated costs and expenses. Fees are set according to the nature of the case, its complexity and the work required.
4. Handling of the proceedings
Drafting of documents, representation at hearings and follow-up through to the decision. The client is kept informed of the steps taken and the decisions issued, as well as any resulting appeal deadlines.
The information presented on this page and on the pages it links to is general in nature. It does not constitute legal advice and cannot replace the review of a specific situation, as each case requires its own individual analysis. For any question relating to a specific situation, contact the Firm.