{"id":5778,"date":"2022-01-05T16:20:19","date_gmt":"2022-01-05T14:20:19","guid":{"rendered":"https:\/\/test.lica.ch\/?p=5778"},"modified":"2026-06-09T21:42:43","modified_gmt":"2026-06-09T20:42:43","slug":"funcionamento-dos-processos-de-execucao-na-suica","status":"publish","type":"post","link":"https:\/\/www.lica.ch\/pt\/solvabilite\/fonctionnement-des-poursuites-en-suisse\/","title":{"rendered":"Como funciona o processo de cobran\u00e7a na Su\u00ed\u00e7a"},"content":{"rendered":"

Quando n\u00e3o paga uma conta, apesar de v\u00e1rios avisos do credor, este intenta uma a\u00e7\u00e3o judicial contra si. Neste artigo, veremos como funciona a cobran\u00e7a de d\u00edvidas na Su\u00ed\u00e7a.<\/p>\n\n\n\n

Na Su\u00ed\u00e7a, esta \u00e9 a \u00fanica forma legal de os credores solicitarem o reembolso de uma d\u00edvida. Consequentemente, haver\u00e1 um registo junto de um servi\u00e7o de cobran\u00e7a de d\u00edvidas. \u00c9 o servi\u00e7o de cobran\u00e7a de d\u00edvidas que tomar\u00e1 as medidas necess\u00e1rias para recuperar o montante em d\u00edvida.<\/p>\n\n\n\n

Em geral, o servi\u00e7o de cobran\u00e7a de d\u00edvidas actua ap\u00f3s um ou mais avisos sem sucesso. No entanto, na Su\u00ed\u00e7a, uma fatura \u00e9 devida a partir do momento em que \u00e9 recebida. Por conseguinte, o credor pode, legalmente, intentar uma a\u00e7\u00e3o judicial contra o devedor a partir do momento em que a fatura \u00e9 emitida. O credor requisitar\u00e1 o devedor ao servi\u00e7o de cobran\u00e7a de d\u00edvidas da \u00e1rea onde o devedor est\u00e1 registado. Isto \u00e9 feito atrav\u00e9s de um requisi\u00e7\u00e3o de dilig\u00eancias<\/a>.<\/p>\n\n\n\n

Rece\u00e7\u00e3o de uma intima\u00e7\u00e3o para pagamento<\/h2>\n\n\n\n

A intima\u00e7\u00e3o para pagamento \u00e9 o documento oficial emitido pelo servi\u00e7o de cobran\u00e7a de d\u00edvidas com base nos dados fornecidos pelo credor na requisi\u00e7\u00e3o de cobran\u00e7a de d\u00edvidas. \u00c9 de notar que o servi\u00e7o de cobran\u00e7a de d\u00edvidas n\u00e3o tem qualquer autoridade ou obriga\u00e7\u00e3o de verificar a validade do cr\u00e9dito. Por conseguinte, o servi\u00e7o de cobran\u00e7a de d\u00edvidas actua com base nas instru\u00e7\u00f5es recebidas do credor. Para al\u00e9m do cr\u00e9dito, o devedor dever\u00e1 pagar as despesas de cobran\u00e7a e os juros relacionados com o montante do cr\u00e9dito.<\/p>\n\n\n\n

Assim que o intima\u00e7\u00e3o para pagamento<\/a> tem duas op\u00e7\u00f5es:<\/p>\n\n\n\n

O cr\u00e9dito \u00e9 reconhecido<\/h2>\n\n\n\n

\u00c9 concedido um prazo de 20 dias, a contar da data da notifica\u00e7\u00e3o da cita\u00e7\u00e3o para pagar no processo ordin\u00e1rio, para reembolsar o montante total do processo. Decorrido este prazo, o credor pode solicitar o prosseguimento do processo. Para o efeito, pode recorrer \u00e0 penhora ou \u00e0 fal\u00eancia, se estiver inscrito no registo comercial.<\/p>\n\n\n\n

O pedido \u00e9 contestado<\/h2>\n\n\n\n

Disp\u00f5e de 10 dias para apresentar uma obje\u00e7\u00e3o \u00e0 a\u00e7\u00e3o de cobran\u00e7a de d\u00edvidas. Este prazo come\u00e7a a contar a partir da data de notifica\u00e7\u00e3o da cita\u00e7\u00e3o para pagamento. Se considerar que a intima\u00e7\u00e3o para pagamento \u00e9 infundada e quiser manifestar o seu desacordo com a d\u00edvida, pode apresentar uma obje\u00e7\u00e3o, oralmente ou por escrito, ao servi\u00e7o de cobran\u00e7a de d\u00edvidas. N\u00e3o \u00e9 necess\u00e1rio fundamentar a sua contesta\u00e7\u00e3o.<\/p>\n\n\n\n

As desvantagens do sistema judicial su\u00ed\u00e7o<\/h2>\n\n\n\n

Mesmo que o pagamento seja efectuado, uma d\u00edvida permanece registada durante muito tempo! Este per\u00edodo pode ser de 5 anos no caso de uma intima\u00e7\u00e3o para pagamento. No caso de uma escritura de incumprimento, pode ir at\u00e9 20 anos se n\u00e3o tomar qualquer medida. Contrariamente ao que se possa pensar, o credor n\u00e3o \u00e9 obrigado a mandar anular uma inscri\u00e7\u00e3o pelo servi\u00e7o de cobran\u00e7a de d\u00edvidas. Pode faz\u00ea-lo, e o servi\u00e7o ser\u00e1 geralmente facturado ao antigo devedor.<\/p>\n\n\n\n

Al\u00e9m disso, \u00e9 importante saber que se est\u00e1 \u00e0 procura de um apartamento, cr\u00e9dito privado<\/a>Se tiver uma caderneta de cobran\u00e7as, ou mesmo um emprego, ser\u00e1 severamente limitado no que pode fazer, ou mesmo impedido de o fazer. Por isso, na Su\u00ed\u00e7a, \u00e9 muito importante ter a sua pr\u00f3pria lista de cobran\u00e7as!<\/p>\n\n\n\n

Tem d\u00edvidas?<\/h2>\n\n\n\n

Tem d\u00edvidas e quer pag\u00e1-las? Candidate-se ao Lica!<\/p>\n\n\n\n

Est\u00e1 livre de d\u00edvidas e procura as melhores condi\u00e7\u00f5es de financiamento na Su\u00ed\u00e7a? Ent\u00e3o fa\u00e7a o seu pedido online em menos de 5 minutos e receba at\u00e9 CHF 5'000.- de cashback para al\u00e9m do seu financiamento.<\/p>","protected":false},"excerpt":{"rendered":"

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 […]<\/p>\n","protected":false},"author":12,"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":"\nLe 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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