You are or were indebted to a sum of money. It was set against you by a payment summons from your creditor. This is a common and delicate situation, because having a lawsuit listed on one’s solvency certificate can be compromising, especially if one is looking to rent accommodation or find a job.
Lawrence will tell you how to have it deleted from the records!
Let’s consider three cases:
- You have opposed your payment summons and your creditor has not relaunched the proceedings within a 1-year period. You can go to the Cantonal Prosecution Office to request the cancellation of the claim against you. This procedure costs CHF 40.
- You’ve either paid off the debt or reached an agreement with your creditor:
You can ask him to provide a certificate of proceeding withdrawal to the Cantonal Prosecution Office. It will be removed. However, he may refuse to do so.
- If you are not part of the first two cases, you will only be able to request the cancellation of your lawsuit 5 years after the repayment of the debt. Indeed, it is the expiration date that claims have at the debt collection office .
If you can prove that the debt never existed, or that it was not due when the payment summons was received, you can appeal to a competent civil court.
Lawrence will help you get out of trouble by assisting you in your legal procedures with the debt enforcement office!