Art. 8a para. 3 let. d SchKG (revision of 1 January 2026)
Making a debt-enforcement proceeding invisible: non-disclosure
Updated on 7 July 2026
In brief
If you lodged an objection, more than three months have passed since the payment order and the creditor has not prevailed, you can ask the debt enforcement office to stop disclosing the proceeding to third parties. The proceeding stays on the internal file, but disappears from the extract handed to landlords and employers. Since 1 January 2026, the deadline to file the request goes from one year to five years, and a creditor attempt that was definitively rejected no longer blocks the request.
Non-disclosure lets you ask the debt enforcement office to stop disclosing a debt-enforcement proceeding to third parties, such as a landlord or an employer. The proceeding stays on file, but it disappears from the extract handed to third parties. Since the revision that came into force on 1 January 2026, this route is markedly more accessible.
When can you request it?
You must have lodged an objection to the payment order, more than three months must have passed since it was served, and the creditor must not have prevailed. Since 2026, the deadline to file the request goes from one year to five years, and a creditor attempt that was definitively rejected no longer blocks you. However, a procedure that is still ongoing keeps the poursuite visible until it is decided.
What it changes in practice
Once non-disclosure is granted, the debt enforcement office no longer discloses the proceeding to third parties. Your extract stays clean for landlords and employers, even though the proceeding still appears in the office's internal file.
The creditor's role
After receiving your request, the creditor has twenty days to prove they timely initiated a procedure to set aside the opposition. If they do not, the poursuite is no longer disclosed to third parties. If they did, it stays disclosed while that procedure is pending; but if it is definitively rejected, you can then obtain non-disclosure.
- 1Check the conditions: an objection lodged and more than three months elapsed.
- 2Draft a non-disclosure request addressed to the office that registered the debt-enforcement proceeding.
- 3Send it by registered post, with a copy of the payment order.
- 4The creditor has twenty days to respond; without a valid response, the proceeding is no longer disclosed.
- 5Keep the postal receipt and the office's confirmation.
Is the debt-enforcement proceeding deleted?
No. It remains on the office's file but is no longer disclosed to third parties, which for you amounts to the same result on the extract.
What changed in 2026?
The deadline to file the request goes from one year to five years, and a creditor attempt that was definitively rejected no longer blocks non-disclosure.
How much does the request to the office cost?
The fee is set by federal law (Art. 12b GebV SchKG) and is the same throughout Switzerland.