Cabinet Zerdaoui

    Enforcement — Code of Civil Procedure

    Debt recovery in Marrakech

    From formal notice letter to real estate seizure, the firm pilots all stages of amicable and judicial recovery in Marrakech, for individuals, merchants and companies. A fast procedure adapted to each debt profile.

    Debt recovery in Marrakech

    Choose the right procedure for the right debt

    Not every debt is handled the same way. An unpaid invoice from a professional client, an unpaid rent, an unpaid dismissal indemnity, an unexecuted condemnation — each situation has its optimal procedure. The wrong choice can waste time and money.

    The firm analyzes the debt's nature (commercial or civil, certain or contested, amount), the debtor's profile (solvency, visible assets, bank accounts), and chooses the fastest path to payment.

    Recovery steps, from amicable to forced execution

    Here is the typical sequence — each step is adapted depending on the debt, the debtor's position and the urgency of fund recovery.

    1. Prior formal notice

      8 to 15 days

      Registered letter with acknowledgment of receipt giving the debtor formal notice to pay within a determined period. Starting point for late interest and mandatory preliminary step before any judicial procedure.

    2. Order to pay

      1 to 3 months

      For certain, liquid and due debts, the judge issues an order to pay (Articles 156-159 of the Code of Civil Procedure). Fast and inexpensive procedure, without public hearing.

    3. Conservatory seizure

      A few days

      Preventive measure to block bank accounts or debtor's assets pending judgment. Requires judicial authorization based on demonstrated insolvency risk.

    4. Substantive action

      6 to 18 months

      If the debt is contested or complex, referral to the Commercial Court (commercial debts > 20,000 MAD) or Court of First Instance. Heavier procedure but with broader evidentiary means.

    5. Forced execution methods

      Variable

      Once the executory title is obtained: bank account garnishment, movable seizure, real estate seizure. Implemented by judicial bailiff, with public force assistance if necessary.

    Unpaid debt in Marrakech?

    The older the debt, the harder the recovery. A formal notice drafted by a lawyer often marks a turning point in negotiation.

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    Questions fréquentes

    It depends on the applicable limitation: 5 years for commercial debts (Article 5 of the Commercial Code), 15 years for ordinary civil debts (Article 387 of DOC), 10 years for State obligations. Deadlines generally run from debt due date. Beyond, the action is extinguished and the debt cannot be recovered.

    Business law related areas

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