Legal guide — amicable + judicial procedure, formal notice, summons, judgment, eviction.
Legal framework
Law 89-01 + Commerce Code arts 169-172bis + Civil Procedure Code + Civil Code arts 106-109.Methodology: Law 89-01 + 4 bailiffs + Kloufi.
Step 1 — Amicable reminder
Phone, SMS, letter. ~40% resolved this stage. Avoid utility cutoff (penal offense).Step 2 — Formal notice AR (30d)
Mandatory registered mail AR. Details debt + 30-day deadline. Cost 500-1500 DZD + optional lawyer 15-40k.Step 3 — Court summons + hearing
Foncier or Commercial court. Options: injunction, classic assignment, référé. Cost 55-215k DZD (bailiff + stamps + lawyer).Step 4 — Judgment + termination
Payment order + interest 8% + termination + eviction. Signification 30d appeal window.Step 5 — Bailiff + eviction
Command quit 30-60d, force publique 15-45d, eviction 40-120k DZD total. No winter truce in DZ.Tip: kricar.fr.
Debt enforcement
Salary seizure 1/3, bank accounts, movables, vehicle, immovable. 30-45% never fully recovered.Prevention — 6 best practices
Rigorous selection, solidary guarantor, deposit 2 months, automatic debit, GLI insurance, reactivity.Editorial Q&A
1 month sufficient. 6-18mo procedure. No winter truce. Utility cutoff illegal.Frequently Asked Questions
Procedure duration?
6-18 months.
Cost?
5-15% debt + 40-120k DZD eviction.
Utility cutoff?
No, illegal.
Winter truce?
No, doesn't exist DZ.
Formal notice?
Mandatory 30-day AR letter.
Moratory interest?
8%/yr from notice.
Guarantor?
Yes, accelerates recovery.
GLI insurance?
3-5% rent. 80-90% coverage.