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4. März Einleitung der Betreibung = Zustellen Zahlungsbefehl. • Werden bei der Forderung zu und den Hinweisen der Berner Schuldenberatung. Bundesamt für Justiz BJ, Bundesrain 20, Bern, Schweiz. Kontakt .. Betreibungsamt zu tragen, welches das Betreibungsbegehren entgegennimmt ( vgl. C) when you get a Betreibung and can’t pay within 20 days, contact the company you owe the money to immediately. And I mean the same day.

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Feel free to submit links or write in English, German, French or Italian. Dont play with the Betreibungsamt self. So i aquired some dept with my health care insurance. Essentially i thought that isnt so bad, i was invited to the Betreibungsamt once, bdrn them that i had a Burnout, went travelling with my saved money and now just have enough left to look for a job. They accepted and assured me i am safe until i get another income.

Then one day i went to a ATM and it fucking ate my card. On a fucking saturday evening.

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My first thought is when this would have happened when i was stranded in cambodia i would probably be dead after ben at max second night without a single Cent in my name. At home checking my collection of unopened letters obviously when i travel i dont read letters What i found was a message from my Bank that the Betreibungsamt will gain full access to my Banking account and i bstreibungsbegehren not do anything anyway. The fucking Betreibungsamt actually did call different Banks to see where i “hide” my money.

And when they found a amount that is higher than the average monthly income which shouldnt be a surprise as i lived of this exact money for half a year now and planned to do at least for 3 more months they somehow assumed i am hiding money or something and froze my whole fucking account. They told me they would just withdraw the money i owe and give me back what i need for living chf or something like that, trololol and that the process is nearly finished, my account should actually be working again.

Today, nearly 2 weeks later. I have unpaid bills, had to cancel pretty much everything i wanted to do the next weeks or months, my GF is fucking sad because i can not go to holidays with her when i barely can afford driving into the city. I explained how part of the money they sized is not even mine, but belongs to my company. I explained how this is literally all i own.

I explained how my business depends on some bills i have to pay otherwise it will die, with my complete income. I explained that i have unpaid bills and just want this to be done as fast as possible whatever they think they need to take. However they not care. If it werent for family i would have nothing right now.

And according to the Betreibungsamt there is nothing i can do, and nobody that can help me. I dont claim Sozialhilfe or Arbeitslosengeld, well i didnt. Right now i see no other option as nobody is telling me anything about MY money. I totally agree, it’s like Aparently that’s OPs next three betreibungsbegwhren spending money, so that’s a lot of money. OP go to RAV. You’ll need the money for food, rent, electricity, phone bills and train tickets to job interviews. I mean i know i have to pay that.

I just did not trust the company who claimed the money anymore see above and knew if i let it go to the Betreibungsamt i am finally able to just betreibunhsbegehren for a sum i have to pay and do that.

In hinsight i maybe should have went with a lawyer, but well. Well, bstreibungsbegehren it’s not really that much money to you, don’t be disappointed that you can’t carry out plans and other things you would like to do Its not holiday, i go there to work and catch on on creativity. Actually being in Switzerland is holidays for me at this point also why i feel bad for claiming Arbeitslosen or anything.

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I totally see your point, and i am happy to say that i pay my bills other than this one.

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The issue here really is that they werent willing to tell me what i have to pay and what not. I had double paid things already and they did not care and just took the money until i called like 3 different people and they moved the double paid some to next month.

It just seemed logical to let it go to the Betreibungsamt, as they are actually able to name me a full sum and are not able to rip me off. Yes i simply dont trust Visana anymore after a few situations. That’s obviously not how things work and that’s what got you into that situation. Even when you don’t have enough money to cover all the bills, it’s usually possible to call your creditors and arrange some payment plan.

I doubt it’s Visana’s fault either to be honest. You fucked up multiple times and that’s the consequence. Accept it and learn from it for the future. Next time when i think fat because i very well know i am the bitching factor and visana is just doing their lazy mass invoicing as always, it’s my money they “lost” tho i get bullshitted on by a company i will take a lawyer and not think the Betreibungsamt would be a cheaper alternative.

I wrote nearly anyone that regularly writes me letters that i am aware that their contract does not mention that i have to read letters and i would prefer if they call or send me emails assuming they actually want me to know. I know this is asking for a lot, however i have a hard time to accept that i have to depend on others reading my mail and understand whats going, which is the bigger issue sometimes just because i dont live a normal 9-to-5 lifestyle.

But the thing that companies expect you to have a fixed phone number and address i just a stupid relict from the past.

There are more and more people bwrn live a more “nomad” lifestyle again but dont try to be fully away from the radar, but pay there taxes and bills like everyone else.

At some point it is easier to just move under the radar, but i dont want to. I like idea of being a legal member of society. That’s just not how life work though.

For a lot of reasons, important matters have to be done by writing to a legal address and not by phone. Companies aren’t going to call you just because you are too lazy to redirect your mail or have someone check it. We’re inthere are plenty of options if you can’t access your mail having the post scan your mail, having companies send you their invoices via e-banking, pay someone to handle your stuff, etc.

Yeah i see your point. Visana however is not willing to accept a postal address outside of my melde address. I actually thought about just digitalizing before.


With the post i can afaik only redirect all or nothing, which does not really work either as sometimes i need to buy things.

Automated e-banking is out of the play because as said i dont trust them and they double charged me in the past. I rarely check my account, and i dont want to start because of that. Even less do i want 30 minute oversee telephone calls, or hear once again “I am sorry herr.

XXX, but if you do not call from a local number i am afraid we can’t help you” that moment i was literally smashed, no idea what i could even do. Turns out she just thought i am a hacker or so because my number started with 6, and the next lady didnt care. I will checking if i can have them bill my company and get them to send to a virtualizing address this way.


Thanks for betreibungsbegehern me think about that. Could be legit that my company pays my health insurance, sounds like something someone could offer as a job benefit.

There’s no good objective reason of not using e-banking to pay your bills nowadays. Excuse my ignorance, i havent done online banking before a year ago. I wasnt aware that i can approve individual charges.

Betreibungsbfgehren info golden for me! Seriously glad i throw my rant on Reddit, some good ideas and information pieces from you guys! A few thoughts, because I worked next to and with the department in charge of Betreibungen of a company and then next netreibungsbegehren and with an Arbeitslosenkasse.

This is cost free I believe and should be referenced on the communications from the Betreibungsamt. However, there are deadlines for that that also need to be referenced on the legally binding communication. B it’s no longer your money. C when you get a Betreibung and can’t pay within 20 days, contact the company you owe the money to immediately.

And I mean the same day. D Arbeitslosengeld is a right, not a benefit. It’s an insurance you pay into as an employee that comes with duties to you as a job seeker, not a handout from society. Go to the RAV today, because you can only get help once you are registered as looking for a job. When this happened i had 2CHF in my pocket, which at this point was my full “wealth”. I still only have money for the reason because cash is flowing otherwise and i had second bank account by luck that i forward my income too now as the first one is still betreubungsbegehren.

Guess when i realized it was already way to late. Plus the company i owe the money, i just owe the money because communication is so hard and close to impossible. However in this case it surely would be worth a try.

I have a growing business that will by all prognosis will reach a average lower swiss income beginning next year. I also get offers for this business every other week which would provide me with enough money to be dept free on careless within a few weeks. The thing is i want something for the future as well. I am by no means poor. I just try to be under the getreibungsbegehren as long as i am still building this.

I got into the situation thanks to a burnout, but betreobungsbegehren a year later i have a clear plan to get out. Plus i set myself a deadline when i would accept to get a normal job, not to far from now.

B what you do might be illegal. C most companies only start the Betreibung berh all attempts to resolve the debt failed. Because for a Betreibung, they need to pay the Betreibungsamt a certain sum, and if it ends in a Verlustschein, they will never see that again. In order for them to start a Betreibung, you usually received a couple of payment reminders, one or two by registered or A-plus mail. I’d strongly suggest that you talk to someone in the know about whether you were fulfilling your duties reporting your wealth and income towards the Betreibungsamt.

If you btreibungsbegehren and they find out, you will get a penalty or in hard cases jail time. I’d suggest that you betribungsbegehren a Schuldenberatungsstelle such as the one from Caritas: