Glossary
Non-disclosure (Nichtbekanntgabe)
Non-divulgation (FR) · Nichtbekanntgabe (DE) · Non-divulgazione (IT)
Updated on 28 July 2026
Definition
Non-disclosure is the decision by which the office stops communicating an entry to third parties. It requires that you filed an objection, that three months have passed, and that the creditor did not go to court. The fee is CHF 40.
Where this route is open it is the most effective: the entry remains in the register but no longer appears on the extract handed to a landlord or employer. In practical terms, that is the outcome most people are looking for.
The conditions are cumulative and strict. You need a validly filed objection, three months elapsed since service of the payment order, and no proceedings brought by the creditor to have that objection set aside. The office then contacts the creditor, who has twenty days to prove they acted.
One essential limit, confirmed by the Federal Supreme Court: non-disclosure is not available for a debt simply paid without a prior objection (BGE/ATF 147 III 486). In that situation, withdrawal by the creditor is the route to aim for.
Key points
- Three conditions: objection filed, 3 months elapsed, creditor inactive.
- CHF 40 fee (art. 12b OELP); creditor has 20 days to respond.
- Excluded where the debt was paid without objection (BGE 147 III 486).
Legal basis : Art. 8a para. 3 let. d DEBA/SchKG; art. 12b OELP