Debt recovery law and Bankruptcy law for private parties
It is painful when one is not paid for services rendered. However, no one likes to be ripped off. When a storm threatens, things have to be lashed down. But we still have to ride out the storm and weather it.
Excecution, payment orders, garnishment, bankruptcy
I advise and support clients coping with debts and payment demands.
You want
to force a debtor to pay
to eliminate an objection
to have a malicious entry removed from the debt collection register
to initiate an arrest
to block an unjustified demand
to set up an instalment payment scheme with a creditor
to seize assets
to initiate bankruptcy proceedings
In Switzerland, it is child’s play to initiate debt collection proceedings against almost anybody. After receiving a debt collection request and the requisite fee, the debt collection office will send a payment demand to the presumed debtor. The office does not check whether the claim is justified. The payment demand is then entered in the debt collection register, whether or not the debtor disputes the claim by declaring objection. Any individual, for example a new landlord, who can credibly prove an interest, can simply request a debt register extract from the office. Whether justifiable or not, all debt collection proceedings from the previous five years are listed in the debt register. With effect from 2019, parties who have received an unjustifiable debt collection notice can request its cancellation after a three-month period has elapsed.
Have you run aground?
No problem. Contact me and we will get you underway again.