Debt collection and bankruptcy law

Is it possible to postpone bankruptcy? "I run a limited company whose financial situation has deteriorated recently. I've heard about adjournments of bankruptcy. How does it work? Jean, Lancy There are various ways of helping companies threatened with bankruptcy to recover or even survive. The federal law on...

Where can I continue my debt? "I work as a healthcare professional in Geneva. I want to take legal action against a patient who hasn't paid his bill. What address should I note on the debt collection request, given that he works in Geneva as an employee and lives in neighbouring France? If it's the address in France, how...

Notifying and taking legal action against a person living abroad As you now know, when a debtor owes you a sum of money, you can take legal action against them after giving them formal notice. To do this, you need to fill in a document called a "requisition for legal action", in which you need to give all the personal information about the debtor and the...

My husband is in debt. What am I at risk of? I've received a considerable number of notices from the post office about orders to pay addressed to my husband. We're an elderly couple and my husband lives in an EMS. What should I do about this? Can I be held responsible for his debts, given that...

My employer is bankrupt: what can I do? My employer, a limited company based in Geneva, hasn't paid me my wages for two months despite my protests. I've just found out that the company is bankrupt. What should I do to try to recover what's owed to me as quickly as possible? This situation has come at a particularly bad time...

My rights after personal bankruptcy " I ran a sole proprietorship for 10 years. This was followed by personal bankruptcy due to various events. I would like to know what my rights and duties are in the event of inheritance, the acquisition of property or with regard to my personal bank accounts. C,...

Does my partner have the right to take action? "I'm not married, but I've been living in the same flat with my girlfriend for several years. Can she oppose a payment order sent to me while I'm away? Daniel, Geneva On receipt of a summons to pay, the relevant office must send the alleged debtor...

Non-return to better fortunes "In your previous column, you mentioned the exception of non-return to better fortunes that the debtor must raise if his creditor initiates new proceedings against him on the basis of a deed of default after bankruptcy. How exactly does this procedure work? Jean-Paul According to articles 265...

The new law on debt collection I've heard that the law on debt collection has changed and that a debtor who is being unjustly prosecuted is better protected than before... What does this mean? Christelle, Vaud In Switzerland, you can try to claim a sum of money from a third party by serving them with a summons to pay...