Phase 1: transfer of the food item in the corresponding French Department (. Dept. only 57.67 and 68 possible) - The apartment search seems the biggest problem and one should allow 4 to 6 weeks until moving day. In addition, the application of a German car in France with a lot of administrative paperwork and forms connected, some of which need several weeks to receive (AUDI France has taken such good 3 weeks for a homologation). The construction of a new bank worldwide including valid credit card is easy.
Phase 2: your residence is in France - at least 6 months
Phase 3: introduction of private insolvency procedure: You should have a creditor who wishes to enforce against you. Statement of liabilities, proof of insolvency and of honesty, compilation of all documents (including leases, bank statements, etc.) - preliminary review by a kind of judicial officer's decision on the jurisdiction of the court.
Phase 4: The actual bankruptcy proceedings - hearing before a judge, followed by decision (about 6 - 8 weeks after approval of the procedure). If necessary, appeal trial. With a positive decision of the handover process to a trustee.
Phase 5: Assets Trustees reviewed information and asking creditors for an opinion. As of the end after about 2-4 months.
Phase 6: enforcement of the court order, taking into account the final report. Written documentation will probably take another 2 - 3 months. They are in time but already outstanding debt free!
In a normal smooth procedure, you can expect the procedure should take around 15 months.
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