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THE MOST ADVANCED DEBT COLLECTION
IN Switzerland

Do you have a claim?
Ask for advice or register your claim
OR

“Collection agency is your partner for collection Switzerland”

Debt collection Switzerland is a complex matter. Switzerland consists of 26 cantons and cantonal cantons, each with their own and different legislation. This legislation is difficult for many creditors to understand. For Incasso Switzerland you can not achieve maximum results without a Swiss specialist debt collection. You are at the right address at the Collection Company. With our knowledge of the Swiss debt collection, we collect your unpaid claims.

Read here what you can do yourself and how we can also take full advantage of you in Switzerland.

Incasso Switzerland in 26 cantons. Where is your debtor located?

The payment morale has fallen sharply in Switzerland lately. Every year around 2.9 million (!) Collection procedures are started in Switzerland.
In whatever canton your debtor is also located, our office offers rural collection Switzerland coverage. For example, it does not matter where your debtor actually is. The cantons are as follows:

Aargau (AG), Appenzell Ausserrhoden (AR), Appenzell Innerrhoden (AI), Basel-Landschaft (BL), Basel-Stadt (BS), Bern (BE), Friborg (FR), Geneva (GE), Glarus (GL)) , Graubünden (GR), Jura (JU), Lucerne (LU), Neuchatel (NE), Nidwalden (NW), Obwalden (OW), St Gallen (SG), Schaffhausen (SH), Schwyz (SZ), Solothurn ( SO), Thurgau (TG), Ticino (TI), Uri (UR), Valais (USA), Vaud (VD), Zug (ZG), and Zurich (ZH).

Our strong reputation when it comes to international debt collection, the knowledge of local customs, the cooperation with local professionals and our unyielding commitment as international direct debit managers ensure targeted results.

Effective extrajudicial collection Switzerland

If you are in danger of falling behind with an unpaid claim, our specialist debt collection Switzerland will provide you with advice and action. In Switzerland it is mandatory to first start an extrajudicial collection procedure. We make the first contact with your debtor in a professional and business manner. In most cases we succeed in reaching a full payment after a telephone or written contact. If that does not work out, then the Swiss debt collection offers effective judicial options. Switzerland is known just like Germany: sound legal procedures. Creditors benefit from this.

Sophisticated judicial collection Switzerland

A. Payment order

With the Swiss payment order ( Zahlungsbefehl ), issued to the debtor by the competent court ( Betreibungsamt ), the debtor has 20 days to pay. Is your debtor not in agreement with your claim? In that case he must lodge an objection ( Rechtsvorschlag ) within 10 days of the issuance of the court order. The case then proceeds in the form of a (normal) bottom procedure and the creditor must prove his claim further with the aid of a so-called Provisaire Rechtsöffnungstitel.

No timely defense or no payment by your debtor? Then the Swiss lawyer’s debt collection asks for a declaration of enforceability, which can be seized by the bailiff. Think of seizure of items, such as household effects and cars and buildings, but on third parties, such as banking institutions. In Switzerland, the bailiff works in court, he is an official.

B. Bottom procedure

In this procedure, Swiss judicial collection starts with the drafting of an extended summons (with proof), which is served on your debtor. In complex cases or cases where the debtor has already filed a defense from the start, the Swiss lawyer’s collection starts a bottom procedure. This procedure is also started when the debtor raises a defense during the order for payment procedure as described above. After submitting the summons to the competent court (in the correct canton), the court schedules a first hearing. Agreements are made here about the continuation of the procedure, after which one or more written rounds are held. In the end, the judge will issue a final judgment based on the case and all evidence. A winning final award can also be confiscated again. With the Swiss debt collection, the Swiss specialist debt collection accompanies the attachment. So you do not have to worry about that.

Executable judgment and no payment? Requesting a bankruptcy!

Have you obtained an enforceable judgment? Then an effective option in Swiss judicial collection is to apply for bankruptcy. Please note that in Switzerland the costs for the application can not be recovered from your debtor. The purpose of the bankruptcy petition is to enforce payment, just as in the Netherlands. Usually your debtor still pays after his bankruptcy has been applied for. If he does not do this, then the request can be made: your debtor will go bankrupt.

The debtor’s assets are liquidated and distributed pro rata, taking into account privileges among the creditors. Unlike in the Netherlands, the submission of ‘verifiable documents’ or proof that your claim exists at the local court ( Konkursamt ) is possible 30 days after bankruptcy. The court is reasonably strict in accepting reported debts. If your debt is not accepted, you will hear it from the court with a statement ( Verlustschein ). We are of course also on this point.

Some noteworthy in Switzerland: Your debtor can ask the court to postpone payment

Unlike in the Netherlands, your debtor may request a cooling-off period: a period in which the debts are not due and payable, determined by the court. This is called moratorium ( Nachlaßstundung or Sursis Concordataire). Such a cooling-off period can take 4 to 6 months, but can also be extended to 2 years. Your debtor is now working on a reorganization plan including balance sheets and statements about the administration. A payment plan must also be drawn up. The judge tests the plan. In general, the plan is accepted (and recorded) by the court if at least two-thirds of the creditors have agreed to the proposal (or a quarter of all creditors representing at least two-thirds of the debts). If the plan is accepted, the remainder will no longer be due and payable.

Because a creditor can be confronted with a moratorium during collection in Switzerland, we advise you to start immediately with an extrajudicial collection procedure in Switzerland.

What makes a canton so special for the collection of Switzerland?

  1. There is a federal law that is the same for every canton. It is the Systematic Sammlung des Bundesrechts , abbreviated SR, in French the Recueil systématique du droit fédéral , RS; and in Italian the Raccolta sistematica , abbreviated to RS). Part of this is the so-called Obligationenrecht in German (or Code des Obligations in French and Diritto delle Obbligazioni in Italian) that all contract law and company law regulates (since 1912).
  2. In addition, each canton has its own supplementary laws, its own parliament, its own government organization and its own courts and therefore its own case law (jurisprudence). For Switzerland, this means that there are 26 different jurisdictions in one country with regard to applicable legislation.
  3. A court of first instance consists of one judge each (while on appeal there is a chamber of three judges each). A legal procedure always starts at first instance, in the right canton. An appeal also takes place in the canton itself. Only in cassation at the high council takes place at federal level.
  4. Legislation in the cantons Vaud, Neuchâtel, Geneva and Jura is standard in French. In the cantons Friborg and Valais, legislation in French and German is published. In the canton Ticino the legislation is in Italian. In all other cantons the legislation is in German (and also in Romanche and Italian for the Canton Graubünden).

Differences between the Netherlands and Switzerland

  • In the Netherlands, the official languages ​​are Frisian and Dutch. In Switzerland there are 4 official languages: French, German, Italian and Rumantsch (‘Romansh’).
  • In the Netherlands, after a completed Bachelor’s degree, you have three-year rights and a completed master’s degree of one year’s authority to advise and litigate, for example as a trainee lawyer. In Switzerland, the Master’s program usually lasts two years and you will only become a lawyer if you are a member of the Swiss Bar Association, the SAV FSA ( Schweizerischer Anwaltsverband).
  • In the Netherlands, the legislation regarding publication and reporting of a company depends on (in particular) the legal form. In Switzerland since 2011 the financial size of the company.
  • In Switzerland there is a special court (at federal level) for settling disputes concerning patents. We do not have such a thing in the Netherlands.
  • Dutch companies know that they must pay statutory interest. A Swiss sees the legal (or contractual) interest as a negotiating element.

What do you need for your Swiss file collection?

Starting with a direct debit Switzerland is easy. It is not a problem if you do not have all the pieces. Send us what you do have. Our debt collection specialists are happy to help you with this.

  • A copy of the agreements, for example an agreement, an e-mail message, fax message or simply a WhatsApp message or an SMS
  • Copy of your invoices
  • Copy of your reminders
  • A copy of your terms and conditions
  • Any proof of delivery

Benefits of Switzerland collection

  • National coverage throughout Switzerland (all 26 cantons)
  • Customization in your file
  • Fast procedures focused on results
  • One point of contact in the Netherlands
  • 24/7 online access
  • Expert information and clarity beforehand
  • Proven track record 

What else can we help you with?

  • European payment order (EEB)
  • Enforcement of judgments (seizure in Switzerland)
  • Having various procedures under Swiss law
  • Advising on contracts and conditions
  • Taking care of the order to impound property attachments
  • Credit information on debtors established in Switzerland
  • Other legal procedures

Areas of law collection Switzerland

We can help you with all civil claims on debtors in Switzerland. For example, think of:

  1. Construction law
  2. Rent and rent
  3. Buy and sell
  4. Employment law
  5. Agency agreement
  6. Transport
  7. Damage and wrongful behavior

If in doubt, please contact us. Together with our debt collection specialists, we can look at your claim.

Debt collection Switzerland? Free first call
Have you become curious about the possibilities? Then ask for a free first meeting with a specialist in the field of Swiss law. With our local collection Switzerland network, there is no need to remain unanswered.

Start directly with Incasso Switzerland

Do you have a claim in Switzerland? Or a dispute with a Swiss debtor? Then collection Switzerland is also helpful for you. Please feel free to contact us by phone 070-7620330 or send us an e-mail . Collection specialist Mr. Konings can tell you more about the possibilities of collection Switzerland and (hard to) recoverable receivables from debtors established in Switzerland.

From which country do you want to make a claim?

  • Germany
    120 Clients    653 Cases
    Credit management: Germany
    The only creditmanagement organization with more than 20 years of experience in International Business
    • Customer acceptance
    • Monitoring
    • Debtor management
    • Data integration
    • Market analysis
    • Credit Management
    Discover now
  • Switzerland
    54 Clients    340 Cases
    Credit management: Switzerland
    The only creditmanagement organization with more than 20 years of experience in International Business
    • Customer acceptance
    • Monitoring
    • Debtor management
    • Data integration
    • Market analysis
    • Credit Management
    Discover now
  • Belgium
    205 Clients    932 Cases
    Credit management: Belgium
    The only creditmanagement organization with more than 20 years of experience in International Business
    • Customer acceptance
    • Monitoring
    • Debtor management
    • Data integration
    • Market analysis
    • Credit Management
    Discover now
  • Italy
    78 Clients    459 Cases
    Credit management: Italy
    The only creditmanagement organization with more than 20 years of experience in International Business
    • Customer acceptance
    • Monitoring
    • Debtor management
    • Data integration
    • Market analysis
    • Credit Management
    Discover now
  • Poland
    189 Clients    674 Cases
    Credit management: Poland
    The only creditmanagement organization with more than 20 years of experience in International Business
    • Customer acceptance
    • Monitoring
    • Debtor management
    • Data integration
    • Market analysis
    • Credit Management
    Discover now
  • France
    259 Clients    1208 Cases
    Credit management: France
    The only creditmanagement organization with more than 20 years of experience in International Business
    • Customer acceptance
    • Monitoring
    • Debtor management
    • Data integration
    • Market analysis
    • Credit Management
    Discover now
  • Spain
    93 Clients   538 Cases
    Credit management: Spain
    The only creditmanagement organization with more than 20 years of experience in International Business
    • Customer acceptance
    • Monitoring
    • Debtor management
    • Data integration
    • Market analysis
    • Credit Management
    Discover now
  • Russia
    45 Clients 258 Cases
    Credit management: Russia
    The only creditmanagement organization with more than 20 years of experience in International Business
    • Customer acceptance
    • Monitoring
    • Debtor management
    • Data integration
    • Market analysis
    • Credit Management
    Discover now
  • Austria
    23 Clients 60 Cases
    Credit management: Austria
    The only creditmanagement organization with more than 20 years of experience in International Business
    • Customer acceptance
    • Monitoring
    • Debtor management
    • Data integration
    • Market analysis
    • Credit Management
    Discover now

Experciences of our customers

  • By working with consultants from Invorderingsbedrijf B.V. We have made great leaps in the professionalization of our debtors department. The costs have decreased by more than 80%. We have more satisfied customers and invoices are paid up to 3 times faster.

    cost reduction of 80%
    and invoices paid up to 3 times faster

  • By working with consultants from Invorderingsbedrijf B.V. We have made great leaps in the professionalization of our debtors department. The costs have decreased by more than 80%

    cost reduction of 120%
    and invoices paid up to 5 times faster

  • Thanks to Het Invorderingsbedrijf, we have fewer debtors than ever before. I always try to settle matters with my clients myself first, but if worse comes to worst, Het Invorderingsbedrijf always makes time to help me out. We are a perfect match and I would recommend them to everyone.

    Graumans Machinale Timmerwerken B.V.

  • As a short lease and rental car company, we deal with numerous debtors. The stakes are often high, because large amounts of money are involved. Het Invorderingsbedrijf has been proven to be a solid and strong business partner. We have been working together for several years now and could not be more satisfied. Their proper advice and quick-wittedness have enormously increased our working capital.

    Select Car Lease B.V

  • It has to be said: I am extremely satisfied with the efforts, passion, and involvement of Het Invorderingsbedrijf!

    Bosch Car Service

  • Het Invorderingsbedrijf has made a very positive impression on us. During the whole collection process, they have provided us with professional and helpful advice. The debt collectors are easy to approach and always make time if needed. Moreover, their business approach is very transparent: digital files containing all necessary reports, letters, and appointments are always up-to-date and therefore easy to track. I believe that every company should create such a digital file for their clients. At Het Invorderingsbedrijf you get a case number, but are never treated as ‘just a number’!

    Digital Group

  • To me, reliability is key to any business relationship. I treat my clients with respect, and expect to be treated with respect myself as well. That is the reason why I like working with Het Invorderingsbedrijf. Our department ‘credit management’ is constantly being updated about the progress of our claims, and therefore, I always know what is going on. If cordially settling a case turns out to be impossible, Het Invorderingsbedrijf always manages to find the most effective collection tool.

    Fost-Air Construction techology B.V.

  • As one of the fastest growing oil wholesalers, I need to focus on my company’s orders, distribution, and logistics. We have a divers and very large customer base that deserves my full attention. Hence, my choice for Het Invorderingsbedrijf. They do as promised: they take immediate action and never let a case drag along.

    OTR Oiltrade B.V.

  • Het Invorderingsbedrijf: a credit management partner who knows how to communicate. Who provides us with professional advice, who gets a lot done in short periods of time.

    Van Doorn Container Parts B.V.

  • As a nationwide service provider, I need to be able to trust my business partners. The arrangements we make with our business partners simply need to be met. I highly appreciate the services of Het Invorderingsbedrijf. They are extremely professional and their online database allows me to track the progress of my cases at all times. That they operate nationwide, is important to me. Acutec represents quality, knowledge, and experience, and so does Het Invorderingsbedrijf. Our partnership has proven to be of great value.

    Acutec B.V.

  • We started doing business with Het Invorderingsbedrijf in 2010. We were looking for a collection agency that was on the one hand able to maintain the valuable relationships we have with our customers, and on the other hand, was able to quickly and effectively recover our debts. Het Invorderingsbedrijf has proven to be the right fit. Both the cordial and legal process is taken care of and I am constanly aware of the progress. I use the Online Cockpit to track the status of my cases. I would highly recommend Het Invorderingsbedrijf to everyone.

    Deo Printing

  • Kroon Leveranciers is an online wholesale business with more than 17.000 office supplies. On a daily basis, we deal with hundreds of business customers in both the Netherlands and Belgium. Het Invorderingsbedrijf takes care of our complete administration. In doing so, files are automatically taken care of and I don’t have to spend any time on them anymore. Debtors who contact us, I immediately refer to Het Invorderingsbedrijf. Het Invorderingsbedrijf is an extremely tranparant and competent collection agency and I could not be more satisfied.

    Kroon Leveranciers B.V.

  • The collaboration between Het Invorderingsbedrijf and Softmedia has been extremely successful. Whenever we deal with a debtor who fails to pay his due, Het Invorderingsbedrijf takes over. We don’t have to worry about it anymore and they always succeed in recovering our debts. Moreover, because of their professional approach, it has never negatively affected the relationships with our clients.

    Softmedia Interactive

  • Doing business in construction requires creativity. Het Invorderingsbedrijf has been our partner for legal matters and debt collection for years now. I am extremely satisfied with their fast-paced approach.

    De Jong en van Aartrijk B.V. (carpentry factory)

    Matt Jakobsze
    Designer
    Gregor Smith
    CEO
    E. Schaffels
    Director
    C. Janssen
    Controller
    Wim Kok
    Director
    Timo ten Cate
    Director
    G. Foster
    Director
    L. Schipper
    Financial director
    G. Nafzger
    Controller
    C. Raaphorst
    Director
    D. Boedhai
    Director
    R. Vos
    Controller
    E. van Vijfeijken
    Manager
    H. de Jong
    Director

Selection of
our customers