There’s an English chap who moved into our area, the sort of person you feel sorry for but realise he’s brought it all upon himself!
Anyway, he entered into a sham* marriage with a Ghanaian woman who has since done a runner. The house is in joint names. He wants to get her name off the deeds and she refuses to sign anything and has blocked his emails. There is no finance on the house but he needs to sell it as he’s broke.
He’s asked me “Do you know what they do in France if you can’t repay an overdraft? The women in the bank yesterday said they don’t take your property…do they just stop your credit…bank account?”
If anybody has any sensible ideas, recommendations which I can pass over to him, or know any person I can get him to contact it would be helpful.
*Sham marriage allegedly occurred in a village in Ghana in front of elders, no legal paperwork available.
They will freeze the account, it is likely that he will end up interdit bancaire, have a dossier de surendettement (if applicable) at the Banque de France. You just aren’t allowed to get yourself into stupid amounts of debt, at least not as easily as you can in eg the UK.
He needs to talk to the bank and a notaire, that is the main thing, he really does need to talk to them BEFORE being made interdit bancaire etc etc because it will be much worse for him if that happens.