Debt collection and bankruptcy law

I went away on a trip for a few months and on my return I was surprised to receive a "notice of seizure" from the debt collection office. They explained that proceedings had been brought against me and that a summons to pay had been served on the friend who was looking after my flat and feeding...

How do you write off a debt? "Three years ago, I was served with a summons to pay, to which I lodged an objection. No action was taken by the creditor, and despite this, the debt is still on the debt collection register. Is it possible to have it removed? Yves, Onex...

How can I get my money back? "I lent a large sum to an acquaintance who lost his job. I handed the money over to her. We didn't sign any papers, but I had spoken to my wife beforehand to get her agreement, and I told my banker what my withdrawal was for....

Debt and limitation periods " I'd like to know whether a creditor is entitled to obtain several certificates of default for the same debt? When a creditor receives such a document, he has 20 years to collect his claim. However, when he files a new lawsuit on the basis of the first deed...

I've asked my creditor to write off the claim after I've paid him my debt with interest and costs. Can I force him to do so? Michel, Geneva Under the law on debt collection and bankruptcy (LP), any person who considers himself to be the...

Form of proceedings Initiation of proceedings against a person who refuses to pay a sum of money begins with a request for proceedings to the relevant Office, which will then serve the debtor with a summons to pay. The debtor then has a short period of ten days from receipt of this summons to...

Deeds of default: the statute of limitations "The issue that concerns me is the validity of deeds of default after bankruptcy. We hear that these deeds are cancelled after 20 years. Is this really the case? Can the validity of these deeds be extended? After 20 years, the...

A bankruptcy remains registered for five years "I was personally bankrupt in 2015 and have since reached an arrangement with my creditors. All proceedings against me have been struck off and the certificates of default have disappeared from the extract from the debt enforcement office. However, the bankruptcy with the opening date and...

A debt can last a very long time I have certificates of default dating back more than 20 years. Do I have to pay for these debts? If I pay in monthly instalments, is there a statute of limitations after 20 years? If, hypothetically, I can't pay, is it possible that my...