Frequently asked legal questions

The first appointment is used to present your situation, review the initial documents and identify possible courses of action. It does not amount to final acceptance of the case.

Yes. The firm works in French and Arabic, for consultations as well as for legal documents, correspondence and proceedings.

The firm acts in banking law and debt recovery, real estate and security interests (mortgages, enforcement), commercial and company law, civil law and criminal law, both as adviser and before the courts of the Kingdom.

The firm is located at 20 Rue Dakhla, Apartment 2, Ville Nouvelle, Meknes. Consultations are by appointment, Monday to Saturday, 9:00 to 17:00. You can call 05 35 40 16 16 or 06 61 89 36 67, or write from the Contact page.

No. Sending a message does not amount to legal advice or acceptance of a case. An express confirmation from the firm is required.

Exchanges with the firm are treated confidentially, in accordance with professional secrecy and applicable regulations.

Since the firm acts for banking institutions, it may not be able to assist you if it already represents the institution concerned. Your situation is reviewed at first contact so that you can be referred to another lawyer if necessary.

The bank may send reminders and then a formal notice, bring the matter before the court to obtain a payment judgment, and enforce that judgment by seizing accounts or assets and, where the loan is secured by a mortgage, by a judicial sale of the mortgaged property.

Do not leave it unanswered: reply in writing, keep the acknowledgement of receipt, ask for a detailed statement of the debt and, where possible, propose a realistic repayment plan. Seeing a lawyer at this stage is advisable.

Yes. A payment holiday, rescheduling, restructuring of the debt or instalment payments remain possible at almost every stage, and any agreement should be put in writing.

Yes. The debtor may request a detailed statement and challenge before the court the calculation of interest, penalties or costs, or even the existence of certain sums. The judge examines the documents produced by both sides.

Do not ignore it: if you do not appear, the court may rule in your absence. Note the hearing date, gather your documents (contract, repayment schedule, statements, payments made) and consult a lawyer quickly.

There is no single duration. An uncontested case may be resolved in a few months; a case involving an appeal, procedural incidents or a property that is hard to sell may last several years.

Appeal deadlines run from the notification of the decision and cannot be made up once missed. Any decision you receive should be reviewed by a lawyer without delay.

As a general rule, the commercial court hears cases where the loan is professional or commercial in nature, and the court of first instance hears the others. Jurisdiction is checked case by case.

Law no. 58.25, in force since 24 August 2026, replaces the 1974 code and modernises in particular the notification of documents and the control of deadlines.

Yes. Where the loan is secured by a mortgage and remains unpaid, the bank may start enforcement of the security, which leads to a public auction of the property. The proceeds are first applied to the mortgage creditor.

Not necessarily. If the auction price, after costs and priority creditors, does not cover the whole claim, a balance may remain due and be subject to other enforcement measures.

No, not automatically. The guarantee first protects the bank in case of default and governs relations between the bank and the guarantor body, without in principle releasing the borrower from the obligation to repay.

Within the limits of the commitment given, the bank may turn to the guarantor if the main debtor does not pay. Guarantors also have rights and defences, and should be informed from the outset.

In principle, no: legal deadlines continue to run from notification, unless a specific exception applies. Always have deadlines checked by a lawyer.

Fees are set according to the nature of the case, its complexity, the work required and, where applicable, the agreement in force. The method is described on the Fees page.

Fees remunerate the lawyer’s work. Court costs and disbursements (bailiff, expert, duties, travel) are sums advanced for the proceedings. Foreseeable costs are specified before any work begins.

Yes. Remuneration terms are set in writing before any work begins, together with the assignment, foreseeable costs and the conditions for ending the assignment.