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...
One invoice offsets another" In the context of a commercial relationship between myself and Mr X, the following situation arises: I have to pay an invoice that Mr X sent me. However, Mr X himself must pay me an invoice that I sent him. However, Mr X does not have the means to pay...
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...
Maintenance contribution changes "I receive a modest monthly contribution from my ex-husband for both my son's and my own maintenance. I've learnt that my ex-husband is much better off now than he was at the time of the divorce, so is it possible to change the maintenance payments he makes to me? Rita, Carouge At the time of the divorce,...
An unplanned scar " Several years ago, I had a hair transplant and unfortunately the operation left me with a scar several centimetres long. What can I do about it?" Sabrina, Geneva In the case of medical operations, the doctor is not automatically liable if the expected result is not obtained...
A garden shed to be sent back "I bought a garden shed by mail order and after putting it up I realised it was faulty. I contacted the seller to ask him to replace at least the spare parts, but he asked me to return the item. Such a request seems absurd to me, since it implies...
A rent reduction in the face of building work? "I've been living in a 5-room flat in Geneva for 4 years. Work started on the apartment a month ago, causing a lot of nuisance, particularly dust and noise throughout the day and sometimes even at night. Am I entitled...
Shared life insurance in the event of divorce? I am the beneficiary of a life insurance policy in my name. Does it have to be split in the event of divorce? And what about my third pillar? Annabelle There are three types of matrimonial property regime in Switzerland: participation in acquests, separation of property and...
A payment that has become superfluous "Since 1988, under the divorce decree that dissolved our marriage, I have been paying my ex-wife a maintenance allowance of CHF 50 per month. Today, I'm retired and receive a very small pension. My ex-wife is also retired but has inherited her mother's...
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