Paris Court Says Debtor Must Sell Moroccan Apartment to Repay €62,000 in Debts
A woman with €62,298 in debt in France has been denied debt relief because she owns an apartment in Morocco. She says she has been trying to sell it since 2020 but has been unable to find a buyer. The Paris Court of Appeal has ordered her to continue her efforts.
At the hearing, the employee of a local authority said she had made a bad investment at a Moroccan property fair held in France. The apartment she bought there has become a real financial burden. Located in a rural area, far from the city center and public transport, the property continues to incur costs. Her sister manages it locally.
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The owner says she has reduced the asking price from 55,000 to 40,000 euros. A Moroccan real estate agency even issued her a certificate in December 2025 confirming that the property had failed to find a buyer in five years. She cites a difficult property market and the apartment’s remote location.
Meanwhile, the debts are mounting. Of the 62,297.62 euros claimed by her creditors, 41,025 euros are still owed on the loan that financed her purchase in Morocco. The remainder includes consumer loans and rental arrears, among other debts.
Since August 2020, the woman has been placed under successive debt-relief plans, each giving her time to sell the property. The first arrangement gave her 24 months, followed by a second granting an additional 12 months. Each time, selling the apartment was one of the conditions imposed.
A sale difficult to prove
In court, she also described her day-to-day difficulties. Divorced, she has to cover her rent in France and the expenses of her 23-year-old son, who is still in training. She says her salary barely covers household expenses and is seeking to have her debts written off.
But the Moroccan agency’s certificate did not convince the judges. It confirms the difficulties encountered in the local market but does not establish what concrete steps were taken to market the property. In particular, the owner provided no documents that would allow the prices at which the apartment was actually offered to be verified.
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In its ruling of September 24, 2026, the Paris Court of Appeal upheld the lower court’s decision. The woman must follow her 24-month repayment plan, with monthly payments capped at 132.45 euros, and sell her Moroccan apartment at market price. The judges said that selling this asset could still make it possible to repay a substantial portion of her debts.
