The point of this post is to confirm what Richard says about OR 106 and "rt 27. Abs. 3 SchKG" - can someone please tell me what SchKH is an abbreviation for?

I sort of won, thanks to the guys and girls at my local "Sozial Dienste", but the Inkasso involved has put a dirty great black mark against my name as a bad risk. I find it absurd that when I refuse to pay their outrageous charges, they control the bad debtors list and can put me on there at a whim.

And oh yes, in the bill involved, they tried to stiff me CHF 25 for "Rechtsberater Kosten" (legal advice). Nuff said.