Debt & credit · Module 21
When the
enforcement comes
Debt enforcement is unpleasant – but it follows a clear, regulated process.
Step 1
The payment order
Payment orderfrom the office
Payor file objection
10 daysfor the objection
Step 2
Continuation & seizure
Continuationthe creditor requests it
Seizureabove subsistence minimum
Incomepartly collected
The trail
The register entry
Registervisible about 5 years
Extractlandlords ask for it
Hampersflat and job
Your right
Check the unjustified too
Unjustifiedappears anyway
Objectionfile it
Deletionrequestable later
Good to know
Enforcement – now what?
💡 First step: Debt enforcement follows a clear process: payment order, objection within ten days, then continuation and seizure. An entry stays visible about five years – even unjustified ones, which you can defend against.
Beratung anfragenThis video is no substitute for personal advice.
Baeriswyl Beratungen GmbH · Finance & pension planning · Fribourg