Betreibung Explained: How Debt Enforcement Actually Works in Switzerland
How a Swiss Betreibung works from the Zahlungsbefehl to the Verlustschein, including the Art. 69 and Art. 74 deadlines that are easiest to confuse.
12 min read
Switzerland Debt Law
7 articles
Betreibungsregisterauszug: How to Get a Swiss Debt Register Extract
How to order a Betreibungsregisterauszug in Switzerland, what it shows, the exact CHF 17/18/22 fees, and who can legally request someone else's.
10 min read
Lohnpfändung: How Much of Your Wage Can Be Seized in Switzerland
Art. 93 SchKG protects income up to the Existenzminimum. How the KKB Grundbetrag figures work, what gets added on top, and a worked CHF example.
10 min read
Privatkonkurs in Switzerland: Why There Is No Discharge of Debt
Switzerland offers three real paths for an indebted individual, but none of them erases a Verlustschein, which stays enforceable for 20 years.
10 min read
Rechtsvorschlag: The 10 Day Window to Object to a Swiss Zahlungsbefehl
A Zahlungsbefehl gives 20 days to pay but only 10 to object. How to raise a Rechtsvorschlag under Art. 74 SchKG, and what happens next.
11 min read
Removing a Betreibung: What Art. 8a SchKG Actually Allows (2026 Update)
Swiss law does not delete a Betreibung, it hides it from third parties under Art. 8a Abs. 3 lit. d SchKG. The 2026 rule, the CHF 40 fee, and its limits.
10 min read
Swiss Debt Law: Betreibung, Registers and Your Options
How Betreibung works in Switzerland, why an entry starts on one creditor’s word, how it differs from Germany and Austria, and where to go next.
9 min read