Insolvent
Bankruptcy proceedings
Where an unanswered enforcement against a company can ultimately lead.
Bankruptcy proceedingsDebt collection
(Betreibung)
Betreibung is Switzerland’s federal debt-enforcement procedure: payment order, objection, court clearance, then continuation by seizure or, for a company, bankruptcy. It is deadline-driven and decisive: a debtor who ignores a payment order can forfeit their defence and, if a company, be pushed toward bankruptcy over even a disputed debt; a creditor who misses a step can lose the process. We run it for creditors recovering what is owed, and defend and settle it for debtors, handling the procedure correctly and in time, on either side.
At a glance
A deadline-driven, decisive procedure.
Run to recover, or defended to protect.
- Starts
- Payment order from the office
- Debtor
- Objects within a short window
- Creditor
- Clears objection via court
- Ends in
- Seizure or bankruptcy
- We act for
- Creditors or debtors
The essentials
What Betreibung is
Betreibung is Switzerland’s federal debt-enforcement procedure under the debt-enforcement law, run through the cantonal enforcement offices. A creditor files a request, the office issues a payment order, the debtor may object, the creditor clears the objection through the courts, and the enforcement is then continued: by seizure for individuals, or bankruptcy for companies. It is the backbone of Swiss debt recovery, routine and not in itself a mark of insolvency, but procedural and deadline-driven, rewarding correct, timely action on either side.
Who this is for
- creditors recovering unpaid Swiss debts;
- businesses with overdue receivables;
- debtors served with a payment order;
- companies facing enforcement that could escalate.
Where it fits
Enforcement can trigger bankruptcy for a company, is part of holding a restructuring together, and is distinct from a voluntary liquidation.
The steps
The procedure step by step
Each step has a strict deadline, and the same procedure ends differently depending on whether the debtor is an individual or a company.
| Step | What happens |
|---|---|
| Payment order | Office issues it on the creditor’s request |
| Objection | Debtor halts it within a short window |
| Clearance | Creditor lifts the objection via court |
| Continuation | Seizure (individual) or bankruptcy (company) |
For a company, an unanswered enforcement can run all the way to a bankruptcy declaration, which is why a payment order is never to be ignored. For a creditor, the route to clear an objection depends entirely on the documentation behind the debt. We act decisively at each deadline, on whichever side we are on.
How it runs
How we run it
Assess the position and the documentation, then drive the procedure: to recover for creditors, or to defend and settle for debtors.
- Step 1
Assess the position
Reviewing the debt, the documentation and which side’s strategy and deadlines apply.
- Creditor
File & clear
Filing the enforcement and clearing any objection by the route the documentation supports.
- Creditor
Continue to recover
Continuing to seizure or bankruptcy as pressure and recovery require.
- Debtor
Object & respond
Objecting in time where the debt is disputed and responding so an enforcement does not escalate unanswered.
- Debtor
Settle in time
Negotiating settlement before the matter escalates, particularly for a company exposed to bankruptcy.
Budget
What it costs
Two costs sit apart. The official enforcement fee is fixed by federal statute, not by any lawyer: under Art. 16 of the SchKG Fee Ordinance (GebV SchKG) the fee for issuing the payment order scales with the claim — from CHF 7 on claims up to CHF 100 to CHF 190 on claims up to CHF 1 million (CHF 400 above that), plus CHF 7 per delivery attempt. The creditor advances it with the request and recovers it from the debtor if the enforcement succeeds (as of July 2026).
| Payment-order fee | |
|---|---|
| Claim up to CHF 100 | CHF 7 |
| CHF 100–500 | CHF 20 |
| CHF 500–1,000 | CHF 40 |
| CHF 1,000–10,000 | CHF 60 |
| CHF 10,000–100,000 | CHF 90 |
| CHF 100,000–1,000,000 | CHF 190 |
| Over CHF 1,000,000 | CHF 400 |
Our advisory fee is separate and depends on whether the matter resolves at the payment-order stage or runs through objection, court clearance and continuation, and on the complexity of the underlying claim. A clean enforcement on a well-documented debt is efficient; a contested one is more involved. For creditors, the cost is weighed against the recovery; for debtors, against the escalation avoided. We scope and quote against the matter.
Discuss the matter What it takes
What success requires
Getting the right outcome from a Betreibung rests on:
- knowing the steps and meeting every deadline;
- for creditors, documentation that supports clearing an objection;
- for debtors, objecting in time where the debt is disputed;
- not letting an enforcement run unanswered;
- settling before escalation where that is the better course.
Doing nothing is almost always the wrong move
For a debtor, the single most costly response to a payment order is to ignore it: inaction forfeits the objection that would have forced the creditor to prove the claim, and lets the enforcement run toward seizure, or, for a company, toward a bankruptcy declaration over a debt that might have been disputed or settled. For a creditor, the mirror error is letting a deadline lapse and having to start again. The procedure rewards the side that knows the steps and acts; it punishes the one that waits. Whichever side of an enforcement you are on, the right move is almost never to do nothing. We make sure the correct, timely step is taken.
Why Goldblum
The procedure: the work behind it
Running the enforcement to recover, or defending and settling it in time (handling a deadline-driven procedure correctly on either side) is the work this firm does.
For creditors
Turned into recovery
The enforcement filed, objections cleared by the right route, and continuation used as the pressure it genuinely is.
For debtors
Defended and settled
Objection in time where the debt is disputed, and settlement before an enforcement escalates, especially toward bankruptcy.
In context
Part of the whole position
Enforcement handled within the wider distress or recovery picture, not as a standalone formality.
Related
Around enforcement
Start here
Financial restructuring
Defending and settling enforcements can be part of holding a viable company together while it restructures.
Financial restructuringDirector duty
Over-indebtedness (Art. 725 CO)
The duties a cluster of enforcements signals the board cannot ignore.
Over-indebtedness (Art. 725 CO) FAQ
Debt collection (Betreibung): FAQ
01What is Betreibung?
Betreibung is Switzerland's federal debt-enforcement procedure: a standardised, official process for compelling payment of a debt, run through the cantonal debt-enforcement offices under uniform federal law. A creditor initiates it by filing a request, the office issues a payment order to the debtor, and from there the process can proceed, through defined steps, to the seizure of assets or the bankruptcy of the debtor. It is the backbone of debt recovery in Switzerland, used routinely and not in itself a sign of insolvency. Because it is procedural and deadline-driven, both pursuing it as a creditor and responding to it as a debtor reward knowing the steps and acting correctly and on time.
02How does the procedure work?
A creditor files a request for enforcement with the debt-enforcement office, which issues a payment order to the debtor. The debtor then has a short window to file an objection (a Rechtsvorschlag), which halts the process. If the debtor objects, the creditor must clear the objection, either by obtaining a court order lifting it where the creditor has a sufficient legal basis, or through ordinary legal action on the claim. Once any objection is cleared, the creditor can request continuation, which leads, depending on the debtor, to seizure of assets or to bankruptcy. Each step has a strict deadline, and missing one can cost the creditor the process or the debtor a defence. We run the steps correctly for either side.
03What is an objection (Rechtsvorschlag)?
An objection is the debtor's simple, powerful right to stop the enforcement in its tracks by declaring, within the short statutory window after receiving the payment order, that they contest the debt. No reasons are needed at this stage, and the objection halts the process: the creditor cannot simply proceed to seizure or bankruptcy over an objected debt. To move forward, the creditor must remove the objection through the courts. For a debtor, filing the objection in time is the essential first defensive step; missing the window forfeits it and lets the enforcement continue. For a creditor, the objection is the hurdle the rest of the work is about clearing. Timing, on both sides, is everything.
04How does a creditor clear an objection?
By going to court to have it lifted, and the route depends on what the creditor holds. Where the creditor has a strong basis (broadly, a final court judgment or equivalent enforceable title), the objection can be lifted definitively in a summary court procedure. Where the creditor has a weaker but still documentary basis (such as a signed acknowledgment of the debt), the objection can be lifted provisionally, leaving the debtor a window to bring an action to dispute it. Where the creditor has no such document, it must prove the claim through ordinary legal proceedings. Which route applies turns on the documentation, which is why how a debt is papered in the first place matters so much. We assess the route and pursue it.
05What is continuation — seizure or bankruptcy?
Once any objection is cleared, the creditor can request continuation of the enforcement, and the form it takes depends on the debtor. For a debtor not subject to bankruptcy enforcement (generally individuals not entered in the commercial register), continuation leads to seizure, where the debt-enforcement office seizes and realises enough of the debtor's assets to satisfy the debt. For a debtor subject to bankruptcy enforcement (generally companies and registered entities), continuation can lead to bankruptcy, the full insolvency process. So the same procedure ends very differently depending on who the debtor is, and for a company an unresolved debt can escalate all the way to bankruptcy. We advise on where a given enforcement is heading and what that means.
06What does a Betreibung cost?
Two costs sit apart. The official enforcement fee is fixed by federal statute: under Article 16 of the SchKG Fee Ordinance (GebV SchKG) the fee for issuing the payment order scales with the claim — CHF 7 on claims up to CHF 100, CHF 20 up to CHF 500, CHF 40 up to CHF 1,000, CHF 60 up to CHF 10,000, CHF 90 up to CHF 100,000, CHF 190 up to CHF 1 million and CHF 400 above that, plus CHF 7 per delivery attempt (as of July 2026). The creditor advances this and recovers it from the debtor if the enforcement succeeds. Legal advisory fees, where a matter is contested or complex, are separate and quoted against the matter.
07Can a creditor really push a company into bankruptcy this way?
Yes. For a company subject to bankruptcy enforcement, an unpaid debt that is not validly objected to, and whose objection is cleared, can be continued to a bankruptcy declaration. This is why a company should never ignore a payment order: an unanswered enforcement over even a modest or disputed debt can, through the steps, reach the threshold where bankruptcy is declared, with all that follows for the company and its directors. A debtor company that contests a debt must object in time and deal with it properly; one that owes the debt must pay or settle it before it escalates. We help companies respond to enforcement before it becomes existential, and help creditors use the pressure the procedure genuinely provides.
08What should a debtor do when served with a payment order?
Not ignore it, and decide quickly whether to object. If the debt is genuinely disputed, or there is any doubt, filing the objection within the short window preserves the position and forces the creditor to justify the claim through the courts; the objection itself needs no reasons. If the debt is owed and there is no defence, the better course is usually to pay or negotiate a settlement before the enforcement escalates and adds cost, and, for a company, before it can head toward bankruptcy. The one thing that is almost always wrong is to do nothing, because inaction forfeits the objection and lets the process run. We advise debtors on the right response and act on it in time.
09How does this connect to broader distress?
Debt enforcement is often the first visible sign that a company is under strain, and for a company on the edge it can be the trigger that tips it over. A creditor's continuation to bankruptcy is one of the routes by which a distressed company actually enters insolvency, and a cluster of enforcements is a signal the board cannot ignore. So debt collection is not an isolated procedure but part of the wider distress picture: defending and settling enforcements can be part of holding a viable company together while it restructures, and pursuing them is part of how creditors recover. We handle the enforcement in the context of the company's overall position, not as a standalone formality.
10Does Goldblum represent parties before the office and courts?
We run the procedure and the strategy: for creditors, preparing and filing the enforcement, assessing the route to clear an objection, and driving the process toward recovery; for debtors, advising on whether and how to object, responding correctly and in time, and negotiating settlement where that is the better course. Where contested court proceedings on the underlying claim are required, we work with the appropriate specialists, while leading the enforcement strategy and the commercial substance. The procedure rewards knowing the steps and the deadlines and acting decisively, which is where our work is focused: turning the formal machinery into an actual recovery, or an effective defence.
11Can Goldblum act for either creditors or debtors?
Yes. For creditors, we run the Betreibung to recover what is owed: filing the enforcement, clearing objections by the right route, and continuing to seizure or bankruptcy as pressure and recovery require. For debtors, we defend and settle: objecting in time where the debt is disputed, responding correctly so an enforcement does not escalate unanswered, and negotiating settlements that resolve the matter before it becomes existential, particularly for a company exposed to bankruptcy continuation. Either way, we treat the enforcement as part of the wider position rather than a standalone step. The procedure is deadline-driven and decisive; we make sure the right side of it moves correctly and on time.
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Recovering a debt, or facing enforcement?
Tell us which side you're on. A partner runs the enforcement to recover, or defends and settles in time, handling the procedure correctly throughout.
