What is a record of debt collection?
A record of debt collection provides information on the current or past debt obligations of individuals or a legal entity. A debt obligation is registered by the debt enforcement office at the place of residence of the person or where the company is headquartered. Not every political municipality has its own debt enforcement office; often several municipalities merge to a debt enforcement district.
Why and when is a record of debt collection required?
Generally, this is the case when you have to provide proof of your solvency. A record of debt collection usually needs to be presented if a decision has to be made concerning creditworthiness of the person or company. This can be in the following situations:
- Job search
- Loan application
- Larger orders on credit
- Application for credit card or customer card
In the case of house-hunting, the record of debt collection allows the landlord to find out if a person or a company has been subject to debt collection in the past and if the proceedings are still ongoing or if they have already been closed. The landlord can also find out if the debt collection was appealed against and if it even resulted in garnishment or a loss certificate.
An individual or company does not have any legal obligation towards the landlord to present a record of debt collection – because the landlord can request a record of debt collection from the last place of residence with the help of proof of interest for a flat. However, it is recommended to add a record of debt collection to the application.
Where do I order a record of debt collection?
A record of debt collection can be requested from the debt enforcement office at your place of residence. An extract usually costs about 17 francs.
You can find further information plus an online order form here (not available in English).
Information on debt collection cannot be provided over the telephone for reasons of data security as it cannot be verified if the person calling has the proper authorisation. Therefore the record of debt collection has to be ordered in person or by written request.