{"id":6918,"date":"2022-11-09T05:55:00","date_gmt":"2022-11-09T04:55:00","guid":{"rendered":"https:\/\/www.cabinet-magar.fr\/actualites\/accord-de-conciliation-et-procedures-collectives-la-caution-nechappe-pas-toujours-a-son-engagement\/"},"modified":"2022-11-09T05:55:00","modified_gmt":"2022-11-09T04:55:00","slug":"accord-de-conciliation-et-procedures-collectives-la-caution-nechappe-pas-toujours-a-son-engagement","status":"publish","type":"post","link":"https:\/\/www.cabinet-magar.fr\/de\/actualites\/accord-de-conciliation-et-procedures-collectives-la-caution-nechappe-pas-toujours-a-son-engagement\/","title":{"rendered":"Accord de conciliation et proc\u00e9dures collectives : la caution n\u2019\u00e9chappe pas (toujours) \u00e0 son engagement"},"content":{"rendered":"<p >Dans le cadre d\u2019un accord de conciliation, une banque consent \u00e0 une soci\u00e9t\u00e9 un nouveau pr\u00eat garanti par son g\u00e9rant qui se porte caution. Mais, quelque temps plus tard, une proc\u00e9dure de redressement judiciaire est engag\u00e9e, mettant fin \u00e0 l\u2019accord de conciliation. La banque r\u00e9clame alors son d\u00fb \u00e0 la caution\u2026 qui refuse de s\u2019ex\u00e9cuter, estimant que son engagement est caduc. \u00c0 tort ou \u00e0 raison ?<\/p>\n<div>\n<h2>Accord de conciliation et proc\u00e9dures collectives : quelle articulation ?<\/h2>\n<p>La proc\u00e9dure de conciliation, qui se d\u00e9roule devant le juge, est destin\u00e9e au d\u00e9biteur qui \u00e9prouve \u00ab une difficult\u00e9 juridique, \u00e9conomique ou financi\u00e8re, av\u00e9r\u00e9e ou pr\u00e9visible, et ne se trouvant pas en cessation des paiements depuis plus de 45 jours \u00bb.<\/p>\n<p>Concr\u00e8tement, elle lui permet de trouver des solutions avec ses cr\u00e9anciers (comme des d\u00e9lais de paiements ou des remises de dettes), qui sont ensuite fix\u00e9es dans un accord, qui peut \u00eatre homologu\u00e9 par le juge.<\/p>\n<p>C\u2019est justement cette proc\u00e9dure qu\u2019une soci\u00e9t\u00e9 a d\u00e9cid\u00e9 de mettre en \u0153uvre pour trouver un accord avec ses cr\u00e9anciers.<\/p>\n<p>Dans ce cadre, elle a pu obtenir d\u2019une banque un nouveau pr\u00eat, pour lequel son g\u00e9rant s\u2019est port\u00e9 caution solidaire.<\/p>\n<p>Malheureusement, la soci\u00e9t\u00e9 ne parvient pas \u00e0 \u00e9chapper au redressement judiciaire. La banque r\u00e9clame alors le remboursement du pr\u00eat au g\u00e9rant de la soci\u00e9t\u00e9, en ex\u00e9cution de son engagement de caution.<\/p>\n<p>Ce que ce dernier conteste\u2026 Selon lui, en effet, la proc\u00e9dure de redressement judiciaire a n\u00e9cessairement mis fin \u00e0 l\u2019accord de conciliation et donc aux engagement pris pendant cette proc\u00e9dure, cautionnement inclus.<\/p>\n<p>Ce que conteste le juge : si la loi pr\u00e9voit de mettre fin \u00e0 l\u2019accord de conciliation lorsqu\u2019une proc\u00e9dure collective est engag\u00e9e, le cr\u00e9ancier, qui a consenti un nouveau pr\u00eat garanti par un nouveau cautionnement dans le cadre de cet accord, peut conserver le b\u00e9n\u00e9fice de cette nouvelle garantie.<\/p>\n<p>Le g\u00e9rant de la soci\u00e9t\u00e9 en difficult\u00e9 n\u2019est donc pas ici lib\u00e9r\u00e9 de son engagement !<\/p>\n<p><span style=\"text-decoration: underline;\">Source<\/span> : Arr\u00eat de la Cour de cassation, 1re chambre civile, du 26 octobre 2022, no 21-12085<\/p>\n<p><a title=\"Accord de conciliation et proc\u00e9dures collectives : la caution n\u2019\u00e9chappe pas (toujours) \u00e0 son engagement\" href=\"https:\/\/www.weblex.fr\/weblex-actualite\/accord-de-conciliation-et-procedures-collectives-la-caution-nechappe-pas-toujours-a-son-engagement\" rel=\"nofollow noopener\" target=\"_blank\">Accord de conciliation et proc\u00e9dures collectives : la caution n\u2019\u00e9chappe pas (toujours) \u00e0 son engagement<\/a> \u00a9 Copyright WebLex &#8211; 2022<\/p>\n<\/div>\n<p><img src='https:\/\/www.weblex.fr\/images\/flux_actus\/accordcaution.jpg'><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Dans le cadre d\u2019un accord de conciliation, une banque consent \u00e0 une soci\u00e9t\u00e9 un nouveau pr\u00eat garanti par son g\u00e9rant qui se porte caution. Mais, quelque temps plus tard, une proc\u00e9dure de redressement judiciaire est engag\u00e9e, mettant fin \u00e0 l\u2019accord de conciliation. La banque r\u00e9clame alors son d\u00fb \u00e0 la caution\u2026 qui refuse de s\u2019ex\u00e9cuter, estimant que son engagement est caduc. \u00c0 tort ou \u00e0 raison ?<\/p>\n","protected":false},"author":0,"featured_media":6919,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[9,7],"tags":[],"class_list":["post-6918","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actu-juridique","category-actualites"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Accord de conciliation et proc\u00e9dures collectives : la caution n\u2019\u00e9chappe pas (toujours) \u00e0 son engagement - Cabinet Magar<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.cabinet-magar.fr\/actualites\/accord-de-conciliation-et-procedures-collectives-la-caution-nechappe-pas-toujours-a-son-engagement\/\" \/>\n<meta property=\"og:locale\" content=\"de_DE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Accord de conciliation et proc\u00e9dures collectives : la caution n\u2019\u00e9chappe pas (toujours) \u00e0 son engagement - Cabinet Magar\" \/>\n<meta property=\"og:description\" content=\"Dans le cadre d\u2019un accord de conciliation, une banque consent \u00e0 une soci\u00e9t\u00e9 un nouveau pr\u00eat garanti par son g\u00e9rant qui se porte caution. 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