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  #201  
Old 18.06.2014, 12:05
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Re: The complete guide to bills and what happens if you don't pay them.

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I was wondering, what can happen in
Hi. I came to Switzerland in January 2012 for MBA course. This question id for my friend. He also came from India along with me for the MBA course and had a B-permit. the b-permit was supposed to expire on December 2013. But due to some emergency at home back in India, he had to leave in urgency and is not coming back. He has 2 Orange contracts. And he will not be in a position to pay the remaining bills or end the contract as he is not coming back. My question is will he face any problem for not paying the bills or ending the contract? Thank you so much. - Rahul.
case like this.


Will this also apply if the person is living or planning to live in any other schengen country ?

In all likelihood nothing will happen, because recovering such small debt in another country would be so much more expensive than just writing it off. They definitely won't go to jail.

<rant>
Now having said that, the example you quote really grinds my gears. Someone who can afford MBA studies in Switzerland comes here, and then when they get into trouble they just up tent and leave, effectively smearing poo in the face of every person who trusted them. This is not how civilized people behave.

It is understandable when one gets into financial (or other) difficulties. Stuff happens. However, the correct procedure in this case is to _talk to the creditors_, explain the facts and try to come to an agreement that is beneficial for both parties.

The example you posted is particularly infuriating because the reason for non-payment seems to be that he doesn't mean to come back. How is that a valid reason for not paying? Does he expect never to have any money again, and thus not be able to ever pay their debts? That's just taking the piss and it puts all other foreigners in a really bad light. It's because of people like that when honest people find it had to get apartments or phone contracts with an L permit.

They should talk to the creditors, tell them that they will not be in position to pay back for a time, but then once they can, they should absolutely make good on their promises.

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  #202  
Old 19.06.2014, 15:04
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Re: The complete guide to bills and what happens if you don't pay them.

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Can I please ask how you can check bills that you owe when you reside outside of Switzerland?

Is it via this website:
https://www.e-service.admin.ch/eschk...ngsauskunft_de

I don't understand the process - but I will give the local Betreibungsamt a call tomorrow.

Thanks a lot for any help! I appreciate it greatly.
Just an update! I tried being very diligent about paying bills as well as following proper procedures when changing contracts.

Anyways - reading this whole post made me wonder. I had paid for international mail forwarding - but maybe there might have been something outstanding and it's worth while checking it out.

I called the local Betreibungsamt and provided my date of birth and name and they were able to tell me that there was nothing outstanding.

So tip here is - if there are any questions, give your local Betreibungsamt a call!
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Old 29.06.2014, 02:23
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Re: The complete guide to bills and what happens if you don't pay them.

This is only in German, but very useful! try using Google translate

http://www.rechtsvorschlag.ch/frist-fuer-rv
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  #204  
Old 13.11.2014, 22:20
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Re: The complete guide to bills and what happens if you don't pay them.

Richard,

I know it's years later since your first post, but I'm wondering what happens if a bill is left unpaid after you've left Switzerland? Will creditors come after us in the US or will we never be allowed back in Switzerland (to visit, not to live)?

Here's the situation, briefly: I just received my bill for the annual apartment fees five months after my husband and I moved back to the US. It is exorbitant-- at least four times as much as the year prior. We had told the apartment management firm to send us any remaining bills within the three months after our moving, because we needed to close our Swiss bank accounts. Now, I am concerned that (1) we have no way to argue the cost of the bill because we are no longer living there and we are American (they pretend they cannot speak English), and (2) we will be haunted by this outstanding bill and potentially not allowed back in Switzerland if we want to visit in the future.

Any thoughts on repercussions of this unpaid bill?
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  #205  
Old 30.01.2015, 16:39
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Re: The complete guide to bills and what happens if you don't pay them.

It is quite difficult in Switzerland to pursue a debtor, at least for small amounts, once s/he has left the country. The Betreibungsamt / Office des Poursuites has jurisdiction over persons domiciled in its district, and over firms with their home office there. Article 46: http://www.admin.ch/opc/fr/classifie...002/index.html

When I sued a major builder over a hidden vice in the new-build apartment I bought, I could not do so in French in the court for Crissier, their local branch. I had to go to Frauenfeld and sue in (schoolboy) German (which I did, and they admitted liability and in due course paid up).

They paid CHF 2,200. The irony is that if they had replaced the defective double gazing themselves at the time of the complaint, it would have cost them only CHF 400 in materials.

On the other hand, a Swiss judgment, by default or otherwise, so long as there was jurisdiction and proper service of process, will be enforced (with costs and interest) under the Lugano Convention throughout the EU/EEA/Switzerland and by comity in many other countries including the USA.

(I was once threatened with suit (frivolously, but that's another point, and a matter of opinion I suppose: the guy's lawyer said I had insulted his client amounting to racial discrimination) but I countered with the fact that I was not domiciled in Switzerland. I told him that a "more convenient forum" (a term of art, forum conveniens) would be San Francisco, Calif. where his client owns a home and where I had family and a driving license -- and beyond that if his client felt insulted there was good reason for it which I then proceeded to prove. There's nothing more annoying than a bully with a lawyer, and my sport is then to run up the guy's legal bill.)
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  #206  
Old 02.02.2015, 21:05
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Re: The complete guide to bills and what happens if you don't pay them.

Thanks for the legal advice.
First rule:
Pay the bill
Second rule
If you do not keep rule 1, phone up, email the company to say why you are not paying or to request more time.
Rule 3
If you do not keep rule 1 or 2, then pay according to the legal advice previously given
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  #207  
Old 11.04.2015, 14:17
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Re: The complete guide to bills and what happens if you don't pay them.

Very useful information indeed. Thanks for sharing. - Sometimes when you move / relocate you forget to inform everyone about it and then some "late-pays" can happen... Generally companies have been very understanding.
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Old 11.04.2015, 19:36
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Re: The complete guide to bills and what happens if you don't pay them.

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Very useful information indeed. Thanks for sharing. - Sometimes when you move / relocate you forget to inform everyone about it and then some "late-pays" can happen... Generally companies have been very understanding.
Have mail sent to your old address forwarded to your new one (Nachsendeauftrag on this page).
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