ECLI:BE:CASS:2020:CONC.20201210.1F.11 ECLI:BE:CASS:2020:CONC.20201210.1F.11 Généré par l'IA

Court holds third-party mortgagor is not personally liable for another's debt, only the mortgaged property is at risk.

Numéro de cause ECLI:BE:CASS:2020:CONC.20201210.1F.11

Autorité / Tribunal Cour de cassation

Juridiction

Belgique (BE)

Date de la décision 2020

Issue du litige Admis (Allowed)

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Synthèse Legislator

Généré par l'IA

The Cour de cassation dismissed the creditor's claim for personal liability against a third-party mortgagor who secured another's debt. The court distinguished this third-party affectant from a guarantor, noting the former's obligation is strictly limited to the mortgaged asset rather than their entire patrimony. Consequently, the court ruled that personal liability rules do not apply to the engagement of a third-party affectant.

Regeste Legislator

Généré par l'IA

Art. 2011-30 of the Civil Code of 1804: A third party providing real security for another's debt is not personally liable for that debt upon the debtor's default; their engagement is limited to the mortgaged property, and personal liability rules do not apply.

Mots-clés

Généré par l'IA

third-party affectant real security personal liability mortgaged property guarantee distinction patrimony engagement Civil Code 1804 cautionnement conjoint

Dispositions légales citées

Généré par l'IA

Art. 2011-30 of the Civil Code of 1804

ancien Code Civil - 21-03-1804 - Art. 2011 - 30

Généré par l'IA

ECLI:BE:CASS:2006:ARR.20061222.2

Court holds third-party real security guarantor liable only up to security value, not full assets.

ECLI:BE:CASS:2006:CONC.20060615.6

Court rules third-party seizure includes future debts based on existing legal relationships at seizure time.

ECLI:BE:CALIE:2018:ARR.20180918.19

Appeal dismissed; voluntary intervention rejected; proceedings reopened for detailed debt accounting.

ECLI:BE:CALIE:2018:ARR.20181002.14

Court reduces debt and suspends interest due to creditor's two-year delay in enforcing the claim.

ECLI:BE:CASS:1999:ARR.19990419.4

Court of Cassation quashes tax on nominal debt value absent actual or presumed enrichment. The court ruled that nominal debt value alone does not constitute taxable income without actual or presumed enrichment. The court held that tax liability requires realized or presumed enrichment, not merely the existence of a nominal debt. The court reversed the lower court's decision to tax the nominal value of the debt without evidence of actual or presumed enrichment. The court emphasized that tax liability requires realized or presumed enrichment, not merely the existence of a nominal debt. The court reversed the lower court's decision to tax the nominal value of the debt without evidence of actual or presumed enrichment. The court emphasized that tax liability requires realized or presumed enrichment, not merely the existence of a nominal debt.

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Le tiers affectant qui fournit une sûreté réelle au créancier pour

garantir la dette d'autrui n'est pas, contrairement à la caution,

tenu personnellement de cette dette en cas de défaillance du débiteur

et n'engage pas l'ensemble de son patrimoine; son engagement

est limité à l'affectation du bien grevé de la sûreté; les règles

du cautionnement ne s'appliquent pas à l'engagement du tiers

affectant réel (1). (1) Voir les concl. du MP.

Thésaurus Cassation:

PRIVILEGES ET HYPOTHEQUES - HYPOTHEQUES

Mots libres:

Garantie de la dette d'autrui - Tiers affectant - Engagement - Limite

- Conséquence

Bases légales:

ancien Code Civil - 21-03-1804 - Art. 2011 - 30

Lien ELI No pub 1804032150

Annotations

Publications:

Bulletin Juridique et Social [B.J.S.] - BEDORET, Christophe; Note 'Jurisprudence

récente de la Cour de cassation' - 2021, n° 665, p. 4-5.

Dr.banc.fin.-Droit

bancaire et financier (Forum financier) - 2021, n° 4, p. 211-217. - STANDAERT,

Clément; Note'Application des dispositions de l'ancien Code

civil en matière de cautionnement personnel au cautionnement réel: la

Cour de cassation a-t-elle procédé à un revirement...

RCJB-Revue

critique de jurisprudence belge - 2023, n° 2, p. 181-196. - WERY, Patrick;

Note'La protection du tiers affectant hypothécaire et le bénéfice

de subrogation'