We make possible what others shy away from
Wir übernehmen für Sie alle Tätigkeiten, die im Rahmen von Vollstreckungen (Betreibungen) ausländischer Titel in der Schweiz notwendig sind (Zwangsvollstreckung Schweiz).
1. the demand for payment with the possibility of the debtor to block the debt collection with an objection (called "Rechtsvorschlag")
2. and the garnishment procedure itself.
The enforcement itself, called debt collection in Switzerland, is governed by the provisions of the Federal Debt Collection and Bankruptcy Act (SchKG).
To initiate a debt collection at the debtor's place of residence or business, the claims shown in the title, converted into Swiss francs, are to be submitted with the corresponding form "Betreibungsbegehren". It should be noted that in Switzerland there is no interest on arrears linked to the base interest rate; the debt collection officials in Switzerland do not calculate this German titling; creativity is required here in order not to waive interest claims.
The debtor is then immediately served with a so-called payment order, to which he can react in different ways. Either the debtor pays, or he files an objection (legal proposal) to defend himself against the claim, or he does not react at all. After a legal proposal, the debt collection cannot be continued for the time being; the disputed claim must be reviewed by the court (see below on the legal opening procedure).
If the debtor does not respond, the next step is to file a request for continuation in order to have the debt collected by the debt collection office. The SchKG provides two different procedures for this, depending on whether the debtor is a natural person (then seizure) or whether it is a company / natural person entered in the commercial register (then bankruptcy collection).
In the "debt collection for garnishment", the debt collection office, after determining the debtor's income and expenses, executes the garnishment of the initially calculated quota every month for one year, unless the claim has been collected in a shorter period of time. At the end of the garnishment year, a so-called certificate of loss is issued for any outstanding debt, which certifies the remaining debt, but stops the accrual of interest. From the certificate of loss, a new request for continuation can be made immediately within 6 months.
In the "debt collection for bankruptcy", the debtor company is given a final payment deadline of 20 days (bankruptcy threat) before the creditor is given the opportunity to apply to the competent court for the opening of bankruptcy proceedings against the company. In these proceedings, the creditor has to make a deposit, the amount of which is determined by the court, usually around CHF 2,000. Unused funds are returned to the creditor. After the approval of the bankruptcy, the bankruptcy office is from then on responsible for the execution.
If the exequatur is granted, the German decision is considered as documentary evidence of the legitimacy of the claim. The debtor can now essentially only object to payment, deferral or statute of limitations, otherwise the court cancels the legal proposal and the official debt collection proceedings (enforcement Switzerland) can be continued.
Claims arising from German notarial deeds with the immediate submission to compulsory enforcement shall be deemed to be titles of judicial initiation in the same way as German court decisions.
Die Schweizer Betreibungsämter nehmen keine Zustellung per Post und auch keine Auszahlungen nach Deutschland vor. Das macht die Betreibung (Zwangsvollstreckung Schweiz) für einen deutschen Gläubiger, der kein Domizil in der Schweiz hat, schwer bis unmöglich. Er kann aber einen Schweizer Anwalt einschalten, der die Betreibung vornimmt.
Die damit verbundenen, zusätzlichen, anwaltlichen Kosten für die Betreibung (Vollstreckung Schweiz) dürfen dem Schuldner gemäß SchKG nicht auferlegt werden. Das ist im deutschen Recht anders geregelt. Hier können die Vollstreckungskosten gegenüber dem säumigen Schuldner geltend gemacht werden, notfalls im Rahmen eines Schadensersatzes. Diese unterschiedlichen Rechtslagen lassen einen Spielraum zu, den Schuldner auch zur Übernahme der Anwaltskosten für die Betreibung zu bewegen.
An upstream option for checking the debtor's creditworthiness is to request an extract from the debt collection register. This list shows the debtor's payment history and liabilities.
To get an overview of the costs, you can use the adjacent button "Cost calculator" to make a rough calculation of the costs.