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Acknowledgement of debt with a repayment plan, in French (Switzerland)
Switzerland · in French
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This document is in French
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Made for use in Switzerland
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For creditors and debtors in Switzerland who agree to clear a debt in monthly instalments, in French: the debtor acknowledges the amount, and both parties set the instalments, the account, a grace period and that the balance falls due if payment is late. Important for the debtor: a signed acknowledgement of debt is a title for provisional removal of an objection (mainlevée provisoire, Art. 82 DEBA) — if the debtor later objects to a payment order, the creditor can have the objection lifted without an ordinary lawsuit. Print two copies and sign both by hand.
- Made for use in Switzerland
- Last updated November 4, 2026
Published byDocMuse
When to use this document
- Someone in French-speaking Switzerland owes you money and wants to pay in instalments.
- You owe a friend money in Switzerland and want to put the repayment in writing in French.
- A debt enforcement is running and the debtor will pay monthly if it is withdrawn.
- You want the debt acknowledged in a signed document before accepting instalments.
What you fill in
The details the document asks for.
- Creditor
- Creditor's address
- Debtor
- Debtor's address
- Debtor's date of birth
- Amount due
- Basis of the obligation
- As of date
- Number of instalments
- Amount of each monthly instalment
- Due date of the first instalment
- IBAN
- Enforcement number (on the payment order)
- Grace period for a late instalment (number of days, e.g. 10)
- City
- Date
Common questions
- What does a debtor risk by signing an acknowledgement of debt in French-speaking Switzerland?
- It hands the creditor a strong tool: with a signed acknowledgement, the creditor can, after an objection to the payment order, ask the court for provisional removal of the objection (Art. 82 para. 1 DEBA). The court grants it unless the debtor at once makes it credible that the debt is discharged, for example by a payment (para. 2). The debtor then has 20 days to sue for a declaration that nothing is owed (Art. 83 para. 2 DEBA). Sign only for an amount you really owe.
- What happens if a monthly instalment is late under a repayment plan in French-speaking Switzerland?
- If an instalment remains unpaid beyond the agreed grace period, the whole balance falls due at once, with default interest of 5 % a year (Art. 104 CO), and the creditor may enforce it. As long as the debtor pays on time, the creditor does not enforce. If an enforcement is already running, the agreement can provide for its withdrawal after the first instalment: a withdrawn enforcement is no longer disclosed to third parties (Art. 8a para. 3 let. c DEBA).
- Must an acknowledgement of debt in French-speaking Switzerland take a particular form?
- The law requires no particular form, but provisional removal needs the debtor's signature. The acknowledgement interrupts limitation, and a new period starts (Art. 135 no. 1 and Art. 137 CO). This plan grants the deferral without interest or fees; such a deferral falls outside the Consumer Credit Act (Art. 7 para. 1 let. c CCA). Where a business grants credit commercially, for instance a payment deferral to a private person for interest or fees, the Consumer Credit Act may apply (Art. 1 and 2 CCA); this document is not made for that case.
How you can sign this document
- Print it and sign by hand. The signature lines in the document are left blank on purpose — sign on them in ink.
- Sign it yourself with a qualified electronic signature. If you already hold a QES — Evrotrust, B-Trust, StampIT, ZealiD or any qualified provider on the EU Trusted List, on a card, a USB token, in a mobile app or in the cloud — our signing guide explains step by step how to sign this exact file without invalidating it. Step-by-step help, and a way to check it worked
DocMuse sells documents, not legal advice. Acceptance always depends on the recipient's rules and your local law.
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