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Acknowledgement of debt with a repayment plan, in German (Switzerland)
Switzerland · in German
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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 instalments, in German: the debtor acknowledges the amount, and both agree monthly instalments, the account, a grace period and that the balance falls due if an instalment is missed. Important for the debtor: a signed acknowledgement of debt is a title for provisional removal of an objection (provisorische Rechtsöffnung, Art. 82 DEBA) — if the debtor later objects to a payment order, the creditor can have the objection set aside 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 owes you money in Switzerland and wants to pay it off in monthly instalments.
- You owe an acquaintance money and want to agree a written repayment plan with them.
- A debt enforcement is already running and the debtor offers instalments if it is withdrawn.
- You want a signed acknowledgement of an open debt before you agree to payment by 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 take on by signing a Swiss acknowledgement of debt?
- It hands the creditor a strong tool: with an acknowledgement confirmed by signature, the creditor can ask the court for provisional removal of an objection to a payment order (Art. 82 para. 1 DEBA). The court grants it unless the debtor at once makes defences credible, such as a payment (para. 2). The debtor then has 20 days to sue for a declaration that the debt is not owed (Art. 83 para. 2 DEBA). Sign only for an amount you really owe.
- What happens if an instalment under a Swiss repayment plan is late?
- If an instalment is overdue for longer than 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 start debt enforcement for 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).
- Does a Swiss acknowledgement of debt need a special form, and what about businesses?
- The law requires no special 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, such as a 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
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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.
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