Debt collection and bankruptcy law

An unjustified summons to pay "I received a summons to pay CHF 10,000, but this sum is not due. As a result, my extract from the debt collection register is no longer blank, even though I have always paid all my debts. What can I do about this? "Henri, Veyrier When you...

Complaining about debt collection " Is it possible to lodge a complaint against a creditor who shamelessly sends you to the debt collection office even though you can justify that you owe him nothing?" Eric, Geneva The Federal Law on Debt Collection and Bankruptcy (LP) allows creditors to turn to the State...

Seizure: which items are spared? "I've heard that in the event of a home seizure, certain personal items cannot be removed by the debt collection office. Is there a law or regulation in Geneva that specifies which items cannot be removed? David, Geneva The law on the enforcement of pecuniary debts is...

To get back on my feet or not To get back on my feet I've already had a hard enough time with my financial difficulties, which have resulted in certificates of default, but now a debt collection company is coming out of the woodwork and demanding a large sum from me by demanding that I produce my tax return! As I'm retired and have no news...

Recovering property "I recently paid a deposit of CHF 4,000 on an item, but in the meantime the company has gone bankrupt. What can I do to get my money back? Serge, Onex When a person or company goes bankrupt, the Bankruptcy Office makes an inventory of all the bankrupt's seizable assets....

Debt recovery Recovering what you owe can sometimes be a real obstacle course. You have to start by giving the debtor formal notice to pay the sum due by a specific date, if only to set the starting point for late payment interest, which is legally 5% per annum, a rate that is not...

Buying back a deed of default? "I've heard that it's possible to buy a deed of default from a creditor... If so, what are the procedures to be followed with regard to the creditor, the debtor and the debt enforcement and/or bankruptcy office? Jean, Geneva At the end of a...

What should I do if someone doesn't pay? "Can I take legal action against someone who owes me CHF 2,000 if I have no written document signed by that person, only text messages confirming that they owe me money? She then retracted her statement, insulting me and threatening me. Aude, Meyrin According to the Law...

When can you declare personal bankruptcy? "I'm in a very difficult financial situation. I've been in legal proceedings for a number of years and have already been the subject of a number of deeds of default. I'm wondering what the advantages of personal bankruptcy would be. André, Carouge The two main methods of debt collection...