Zahlungsbefehl in Switzerland: what to do
A Zahlungsbefehl (payment order) can be alarming, especially if you are new to Switzerland. Stay calm, but do not ignore it.
This page explains in plain English what it is, what you can do and where to find help.
What is a Zahlungsbefehl?
A Zahlungsbefehl comes from the Betreibungsamt (debt collection office). It is sent after a creditor – a person or company who says you owe them money – has started a Betreibung (debt collection procedure) against you.
It is an official document. Do not ignore it, even if you think the claim is wrong.
The Rechtsvorschlag: within 10 days
If you disagree with the claim, you can file a Rechtsvorschlag (objection) within 10 days of receiving the Zahlungsbefehl:
- Orally, to the person who hands you the Zahlungsbefehl.
- In writing, by letter to the Betreibungsamt.
- In person, at the Betreibungsamt counter.
You do not need to give a reason, and it is free. Keep a confirmation or copy.
What the Rechtsvorschlag does – and does not do
The Rechtsvorschlag only stops the procedure for now. The debt does not disappear. The creditor can then go to court.
If you do owe the money, the way out is usually to pay or to contact the creditor and agree on a solution, for example instalments.
Beware of fake debt collection letters
Fake letters that look like a Betreibung exist. A real Zahlungsbefehl always comes from an official Betreibungsamt. If in doubt, look up the office's phone number yourself and ask.
Where to get help
- Schuldenberatung Schweiz (schulden.ch): debt advice services.
- Pro Senectute: advice for older people, including money matters.
- A trusted person who can look at the letter with you.
How Lesefee can help
Lesefee reads the Zahlungsbefehl aloud and explains in plain English who is claiming money, the amount and the dates in the letter.
Lesefee does not give legal or financial advice. It cannot judge whether the claim is valid or whether a Rechtsvorschlag makes sense. Contact the Betreibungsamt or an advice service for that.