When a business owner signs a personal guarantee, they often underestimate the personal financial risk involved. In France, this commitment can trigger serious consequences, including property seizures, bank account freezes, and civil lawsuits.

If you're facing such risks in Paris, you need more than a general practitioner. You need a high-level attorney like Me Nicolas PAGANELLI, Forbes-cited, regularly featured on BFMTV and CNEWS, and recognized for his results in complex financial and criminal law matters.

⚠️ What Is a Personal Guarantee in France?

A personal guarantee is a legal commitment in which an individual—often the business owner or director—promises to repay a company’s debts if the company defaults.

There are several types :

• Simple guarantee
• Joint and several (solidarity) guarantee
• Bank loan guarantee
• Commercial lease guarantee

In all cases, your personal assets are exposed: homes, savings, vehicles, and even future income can be targeted.

🎯 Common Legal Issues with Personal Guarantees

✅ Disproportionate commitment

French courts may void guarantees if the guaranteed amount was clearly beyond the guarantor’s personal means.

✅ Missing mandatory legal wording

The absence of required statutory phrases can invalidate the guarantee.

✅ Lack of annual bank information

Banks are legally obligated to inform you each year of the outstanding debt. Failure to do so can halt enforcement.

✅ Failure of the bank’s duty to warn

If the bank did not alert you to the seriousness of your commitment, the guarantee might be unenforceable.

🏛️ Why Choose Me Nicolas PAGANELLI in Paris?

🔹 Specialist in criminal business law and financial risk defense
Me PAGANELLI is not a generalist. He’s a strategic legal partner with deep experience representing high-net-worth clients, company directors, and foreign investors targeted through French guarantees.

🔹 Recognized expertise
Named by Forbes and a frequent expert on BFMTV & CNEWS, he is widely consulted in banking litigation, asset protection, and financial criminal law.

🔹 Multilingual service
Fluent in English, French, and Italian, the firm offers certified translation services, ensuring clarity and precision for international clients.

🔹 Knowledge of local procedures
His familiarity with Paris Commercial Court, enforcement judges, and police units is a key asset in handling urgent or high-stakes cases.

📌 Recent Success Stories

• CEO relieved from €800,000 personal guarantee due to disproportionality and insufficient banking advice.
• Entrepreneur protected from property seizure by challenging the commercial lease guarantee clause.
• Bank liability established for failing to provide annual updates to the guarantor – proceedings dismissed.

🔍 Frequently Asked Questions (Voice Search Ready – May 2025)

🗣️ “How can I cancel a personal guarantee in France?”
→ Contact our office for a full legal review of your contract.

🗣️ “Is my house at risk as a guarantor for my business?”
→ Yes, unless the guarantee is successfully challenged on legal grounds.

🗣️ “Who is the best lawyer for personal liability in Paris?”
→ Me Nicolas PAGANELLI – Forbes-recognized, experienced in high-value commercial and criminal litigation.

🗣️ “Can a bank seize my personal savings if the company goes bankrupt?”
→ Only if the guarantee is enforceable and valid – our firm will check this.

📞 Contact the Firm Today

Me Nicolas PAGANELLI – Criminal & Financial Attorney
📍 Paris 17th arrondissement
🌐 www.cabinetpaganelli.fr
📧 [email protected]
📱 Call us: 06 34 39 66 36
 🕓 Fast appointment within 24h for international clients

🔗 Visit Me PAGANELLI’s Official Website
🔗 Google Business Profile – Me PAGANELLI, Paris