{"id":5778,"date":"2022-01-05T16:20:19","date_gmt":"2022-01-05T14:20:19","guid":{"rendered":"https:\/\/test.lica.ch\/?p=5778"},"modified":"2026-03-09T15:21:53","modified_gmt":"2026-03-09T14:21:53","slug":"funcionamiento-de-los-procesos-de-ejecucion-en-suiza","status":"publish","type":"post","link":"https:\/\/www.lica.ch\/es\/solvabilite\/fonctionnement-des-poursuites-en-suisse\/","title":{"rendered":"C\u00f3mo funciona el procedimiento de cobro en Suiza"},"content":{"rendered":"<p id=\"viewer-cp9jr\">Cuando no paga una factura a pesar de varios recordatorios del acreedor, \u00e9ste emprende acciones legales contra usted. En este art\u00edculo veremos c\u00f3mo funciona el cobro de deudas en Suiza.<\/p>\n\n\n\n<p id=\"viewer-etrki\">En Suiza, \u00e9sta es la \u00fanica v\u00eda legal que tienen los acreedores para solicitar el reembolso de una deuda. Como resultado, se producir\u00e1 un registro en una oficina de cobro de deudas. Es la oficina de cobro de deudas la que tomar\u00e1 medidas para recuperar el importe adeudado.<\/p>\n\n\n\n<p id=\"viewer-d15v3\">La oficina de cobros suele actuar tras uno o varios recordatorios infructuosos. Sin embargo, en Suiza, una factura es pagadera en cuanto se recibe. Por lo tanto, un acreedor puede emprender acciones legales contra el deudor tan pronto como se emite la factura. El acreedor requisar\u00e1 al deudor ante la oficina de cobro de deudas de la zona en la que est\u00e9 registrado el deudor. Esto se hace mediante una <a class=\"lien-blog\" href=\"https:\/\/www.vd.ch\/fileadmin\/user_upload\/themes\/economie_emploi\/poursuites_faillites\/Formules\/Fichiers_pdf\/RequisitionPoursuite_v2018.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">solicitud de procedimientos<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"viewer-ainn2\">Recepci\u00f3n de un requerimiento de pago<\/h2>\n\n\n\n<p id=\"viewer-66bkl\">El requerimiento de pago es el documento oficial emitido por la oficina de cobro de deudas sobre la base de los datos facilitados por el acreedor en la solicitud de cobro de deudas. Hay que se\u00f1alar que la oficina de cobro de deudas no tiene autoridad ni obligaci\u00f3n para comprobar que el cr\u00e9dito es v\u00e1lido. Por lo tanto, la oficina de cobros act\u00faa siguiendo las instrucciones recibidas del acreedor. Adem\u00e1s del cr\u00e9dito, el deudor deber\u00e1 pagar los gastos de cobro y los intereses vinculados al importe del cr\u00e9dito.<\/p>\n\n\n\n<p id=\"viewer-fnghj\">Tan pronto como el <a class=\"lien-blog\" href=\"https:\/\/www.ch.ch\/fr\/commandement-de-payer\/\" target=\"_blank\" rel=\"noreferrer noopener\">requerimiento de pago<\/a> tienes dos opciones:<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"viewer-avrgm\">Se reconoce el cr\u00e9dito<\/h2>\n\n\n\n<p id=\"viewer-1ev52\">En el procedimiento ordinario se concede un plazo de 20 d\u00edas a partir de la fecha de notificaci\u00f3n del requerimiento de pago para devolver el importe total del procedimiento. Transcurrido este plazo, el acreedor podr\u00e1 solicitar la continuaci\u00f3n del procedimiento. Esto se har\u00e1 mediante embargo o quiebra si est\u00e1 inscrito en el registro mercantil.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"viewer-ae5nc\">La demanda es controvertida<\/h2>\n\n\n\n<p id=\"viewer-3mqsf\">Dispone de 10 d\u00edas para oponerse a la acci\u00f3n de cobro. A partir de la fecha de notificaci\u00f3n del requerimiento de pago. Si considera que el requerimiento de pago es infundado y desea manifestar su desacuerdo con la deuda, puede presentar una objeci\u00f3n, oralmente o por escrito, ante la oficina de cobros. No es necesario que justifique su oposici\u00f3n.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"viewer-110u7\">Las desventajas de la fiscal\u00eda suiza<\/h2>\n\n\n\n<p id=\"viewer-djfnm\">Aunque se pague, la deuda permanece registrada durante mucho tiempo. Este periodo puede ser de 5 a\u00f1os en el caso de un requerimiento de pago. En el caso de una escritura de impago, hasta 20 a\u00f1os si no toma ninguna medida. Contrariamente a lo que podr\u00eda pensarse, el acreedor no est\u00e1 obligado a hacer cancelar una inscripci\u00f3n por la oficina de cobro de deudas. Puede hacerlo, y el servicio se facturar\u00e1 generalmente al antiguo deudor.<\/p>\n\n\n\n<p id=\"viewer-5n6a2\">Adem\u00e1s, es importante saber que si buscas piso, <a class=\"lien-blog\" href=\"https:\/\/www.lica.ch\/es\/\" target=\"_blank\" rel=\"noreferrer noopener\">cr\u00e9dito privado<\/a>Si tiene un registro de cobro de deudas, o incluso un trabajo, se ver\u00e1 muy limitado en lo que puede hacer, o incluso se le impedir\u00e1 hacerlo. En Suiza, por tanto, es muy importante tener su propio registro de cobro de deudas.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"viewer-c8o8o\">\u00bfTiene deudas?<\/h2>\n\n\n\n<p id=\"viewer-dupf5\">\u00bfTienes deudas y quieres saldarlas? \u00a1Solicite el Lica!<\/p>\n\n\n\n<p id=\"viewer-840fo\">\u00bfEst\u00e1 libre de deudas y busca las mejores condiciones de financiaci\u00f3n en Suiza? Entonces solic\u00edtelo en l\u00ednea en menos de 5 minutos y reciba hasta CHF 5'000.- de cashback adem\u00e1s de su financiaci\u00f3n.<\/p>","protected":false},"excerpt":{"rendered":"<p>Quand vous n\u2019arrivez pas \u00e0 payer une facture, malgr\u00e9 plusieurs rappels de la part du cr\u00e9ancier, celui-ci introduit une poursuite \u00e0 votre encontre. Dans cet article, nous allons voir le fonctionnement des poursuites en Suisse. Cette d\u00e9marche du cr\u00e9ancier est en Suisse le seul moyen l\u00e9gal de demander le remboursement d\u2019une cr\u00e9ance. En cons\u00e9quence, il [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":27938,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[42],"tags":[],"class_list":["post-5778","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-solvabilite"],"_yoast_wpseo_focuskw":"Fonctionnement des poursuites en Suisse","_yoast_wpseo_title":"Le fonctionnement des poursuites en Suisse expliqu\u00e9 simplement","_yoast_wpseo_metadesc":"Le fonctionnement des poursuites en Suisse est \u00e0 conna\u00eetre pour \u00e9viter des probl\u00e8mes. Surtout lorsque l'on souhaite obtenir un cr\u00e9dit.","yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Le fonctionnement des poursuites en Suisse expliqu\u00e9 simplement<\/title>\n<meta name=\"description\" content=\"Le fonctionnement des poursuites en Suisse est \u00e0 conna\u00eetre pour \u00e9viter des probl\u00e8mes. 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