Bibliographie sélective OHADA

The paper will be focused on examining the debt relief options available for consumer debtors in South Africa. This paper will look at the relationship between the National Credit Act 34 of 2005 and the Insolvency Act 24 of 1936. Further, it will examine the relationship between the provisions of section 74 of the Magistrates’ Courts Act 32 of 1944. The paper will conclude by looking at debt relief options available for consumer debtors in the United States of America and in England and Wales and will make comparative comments and recommendations on how we can adopt some provisions into our own insolvency system.

“Banks are neither private attorneys general nor bounty hunters, armed with a roving commission to seek out defaulting homeowners and take away their homes in satisfaction of some other bank’s deed of trust.” This Article examines the judicial treatment of mortgage assignments across various jurisdictions in the foreclosure context. Although some courts do permit debtors to challenge suspicious or problematic assignments, most have ignored such problems and denied standing to debtors attempting to assert assignment-based defenses. This is particularly surprising given the widespread and well-documented problems with foreclosure “robo-litigation,” including backdated documents, fraudulent notarizations, and unauthorized signatures. Despite the abuse of process by foreclosing entities, courts have permitted foreclosures to continue unabated and, in some instances, have even precluded the possibility of discovery to debtors seeking to ensure that title and assignments are legally valid. Judicial ambivalence about formal compliance by mortgage assignors and assignees in the foreclosure context is somewhat ironic given most courts’ routine enforcement of instruments against debtors who do not formally comply with all contractual terms. Current adjudicative approaches to mortgage assignment are seemingly disconnected from the devastating reality of the home mortgage crisis and its causes. Moreover, there are several rationales that would support a more robust enforcement of technical compliance with assignment procedures, including the need for procedural equity, title certainty, and public records integrity. Thus, as evidence exists that banks are still making many of the same problematic mistakes regarding transfer documentation, courts can perform an essential monitoring role as an important spur towards reform. Although it would not address all of the underlying causes of the housing crisis, an adjudicative approach that liberally permits challenges to mortgage assignments would encourage lenders and servicers to be more circumspect in their foreclosure processes.

تهدف هذه الدراسة إلى استعراض تجربة الجزائر في مجال جذب الاستثمار الأجنبي المباشر من خلال الإشارة إلى جهودها المبذولة في سبيل تهيئة المناخ الاستثمار لامتلاكها مجموعة من مؤهلات واتخاذها العديد من مزايا التي تأهلها على استقطابه ، إلا أنها مازالت رغم ذلك تصنف ضمن المراتب الأخيرة من طرف الهيئات الدولية نظرا لوجود عدة عوامل تحد في مجملها من تدفق الاستثمارات الأجنبية إليها، لهذا خلصت هذه الدراسة إلى محاولة استعراض مجموعة من الآليات الكفيلة بتهيئة مناخ الاستثمار في الجزائر وجعله يتمتع بالاستقرار والجاذبية على جميع المستويات، وبناء تصور متكامل لعوامل جذب الاستثمار الاجنبي في الجزائر للفترة 1980-2012 ، لمعرفة أثرها على تدفقات الاستثمار الأجنبي المباشر واقتراح معالجات مناسبة لها بما ينعكس بالإيجاب عليها مستقبلا.