With the introduction of the eSchKG standard, the digital signature on the debt collection register extract has replaced yesterday's stamp from the responsible office. The validity of the signature remains the same.
The digital signature of the debt collection office is a qualified electronic signature. The signature is equivalent to a handwritten signature.

You can have the debt collection register extract checked at any time at www.validator.ch.

(You will receive the exact instructions together with your debt collection register extract by email).

The extract from the debt collection register does not provide information on debt collection throughout Switzerland, but only from the requested place of residence.

Example: This means that if you have to provide an extract from the last 5 years and have lived in 3 different municipalities in the last 5 years, you would have to order a total of 3 extracts from the debt collection register. (One for each place of residence)

We are a digital and virtual company, at this stage we do not need offices.

An extract from the debt collection register documents all debt collection proceedings, seizures and loss certificates that have been received in the past (last 5 years) up to the present day. The extract provides information on whether a debt collection has been disputed, paid or whether a debt seizure or certificate of loss has been issued. The extract includes 1 place of residence of the person or the head office of the company.

• You are independent of the opening hours of your debt collection office
• Sustainable. You do not have to print application forms or ID/passport copies
• We search for and find your responsible debt collection office
• Processes are digitised
• Personal support from our team
• Done within 3 minutes, comfortably from home, on the way or from your office

An extract from the debt collection register is often requested for the following matters:

• Job search
• Housing search
• Credit applications
• Credit card applications
• Mortgage application
• Larger orders on account
• Car leasing

Legally, however, there is no obligation on the part of the person or company vis-à-vis or to a landlord to submit a extract from the debt collection register, because with the proof of interest in a flat, the landlord himself can request an extract from the debt collection register of the last place of residence.

It is nevertheless recommended to enclose an extract of debt collection register with an application.

Yes, the statement has a qualified electronic signature and is legally equivalent to a handwritten signature under the eSchKG. The signature can be verified at any time via validator.ch.

No, eAmt is not a public authority, but a private service platform that processes orders from official offices digitally.

The costs start at CHF 18, depending on the official fee, postage and additional digital services. The price is clearly itemized.

Con eAmt.ch ordini il tuo estratto in soli 3 minuti – digitale, senza burocrazia, legalmente valido, riutilizzabile e consegnato via e-mail entro 24 ore nei giorni lavorativi nel 90 % dei casi.

The excerpt includes all undeleted debt enforcement proceedings from the last five years - regardless of their current status.

Any person can order an extract for themselves. For extracts about third parties, a power of attorney or a proven legitimate interest is required.

Online via eAmt.ch in just a few minutes or directly at the responsible debt collection office - digitally via form or on site at the counter.

This is possible with a signed authorisation and a copy of the person’s ID, or by providing proof of legitimate interest (e.g. rental agreement, acknowledgement of debt) – but only directly from the relevant debt collection office.
We do not offer this option on our platform eAmt.ch. Orders can only be placed for yourself or for your own company.

Not directly - but he can reach an agreement with the creditor. The creditor can then withdraw the debt enforcement proceedings.

Yes, you can apply for this at the debt enforcement office. The authority will inform you about the requirements and fees for this application.

The debt collection office provides a corresponding withdrawal form, which must be completed in full and submitted.

A creditor can withdraw debt enforcement proceedings at any time - either temporarily or permanently.

You can ask your creditors to withdraw or submit an application to the debt enforcement office. In the event of an agreement or unjustified entries, the office can delete them.

An extract is often required for rental applications, loan applications, leasing contracts or naturalization procedures - as proof of financial reliability.

Entries remain visible in the register for up to five years after the debt enforcement proceedings have been concluded and are then automatically deleted.

Upon final withdrawal, the debt enforcement is completely deleted and does not appear in the debt enforcement register extract of the debtor.

The creditor temporarily waives the continuation of the debt enforcement proceedings, e.g. in the case of an installment payment agreement. The proceedings can be reactivated.

Legal entities and companies entered in the commercial register are subject to debt enforcement for bankruptcy - instead of seizure.

The debt enforcement request is the creditor's application to the debt enforcement office to initiate debt enforcement - it contains details of the claim and the debtor.

If there is no longer a valid legal proposal, the creditor can apply for the debt enforcement proceedings to be continued after 20 days at the earliest.

A debtor may lodge an objection within 10 days of service of the payment order in order to temporarily stop the debt enforcement proceedings.

A certificate of loss is issued if a claim could not be fully covered. It remains valid for 20 years and can be used for new debt collection.

The creditor thus applies for the realization of seized goods - usually by public auction - to settle his claim.

The payment order is an official request to the debtor to settle an outstanding claim within 20 days or to lodge an objection.

The debt enforcement office seizes attachable assets or income of the debtor and issues a certificate of attachment.

By a court: either in summary proceedings (provisional or definitive opening of legal proceedings) or in ordinary civil proceedings.

Among other things, AHV/IV pensions, occupational pension assets, pets, household effects, cult objects and the minimum subsistence level are exempt from attachment.