Practical advice on debt-enforcement proceedings

Updated on 18 July 2026

Beyond the four legal routes, here are concrete answers to the most frequent situations: what a landlord or an employer sees, how to obtain your debt-register extract and how to keep it clean, legally.

The non-disclosure request, step by step

How to request non-disclosure of a debt enforcement to third parties (Art. 8a para. 3 let. d SchKG): conditions, what to include, the CHF 40 fee, real effect.

Debt enforcement over health-insurance premiums: understand and act

Unpaid Swiss health-insurance premiums: why the insurer files so fast (Art. 64a KVG), why paying doesn't erase the entry, and how to clean your extract afterwards.

Filing an objection to a payment order

Received a payment order? You have 10 days to file an objection, free of charge (Art. 74 SchKG). How to do it, its effects, and what the creditor must then prove.

The certificate of loss, explained simply

What is a certificate of loss (acte de défaut de biens / Verlustschein)? What it allows the creditor to do, its 20-year limitation period without interest (Art. 149a SchKG), how long it stays visible, and how to free yourself from it.

Paying off a debt-enforcement proceeding: does it erase it?

Paying off a debt-enforcement proceeding does not automatically remove it from the register. Why payment is not enough, and the real ways to clean up your extract afterwards.

Debt enforcement and a flat search: what the landlord sees

What a landlord sees on your debt-register extract, what they can require, and how to present a clean rental file — legally.

Debt enforcement and employment: can an employer see it?

Can an employer consult your debt-enforcement proceedings? What Art. 8a SchKG allows, what happens in practice, and how to approach the subject.

How to obtain a debt-enforcement extract

Where to request your extract of the debt register, how much it costs (17 CHF, Art. 12a GebV SchKG), and how to obtain it clean depending on your situation.