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Old 23.04.2013, 10:08
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Received Zahlungsbefehl from Betreibungsamt [payment demand from debt registry]...

I have been in a long dispute with a doctor regarding a medical bill. (He charged me for something I did not receive.) We eventually settled the bill.

In the meantime, Inkasso Med sent it to collections. I was confused during the entire process since I am new to Switzerland. I already paid the bill, therefore it seems I may have to pay it twice now.

1. What does Zahlungsbefehl mean? My husband picked it up for me at the Betreibungsamt, but we can't figure out what it is. Do I have bad credit now?

2. How can I pay this bill? Do I pay the doctor, collection agency or Inkasso Med? I've already paid the doctor...so confused. I just want this to be over and to have my credit repaired...I am someone who always pays her bills, major confusion here.

Thanks for your help!!
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Old 23.04.2013, 10:33
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Re: Received Zahlungsbefehl from Betreibungsamt, what do I do?

Do you have a receipt from the doctor for the money you paid, if not get one.

I am not sure how things work in Switzerland, but I would normaly send a letter with a copy of the receipt and a copy of the original letter in a registered letter to the doctor/Inkasso Med and collection agency.

In your letter state your case, and ask them to reply.

You may end up paying a fee to the collection agency, but only if they don't give you bad credit.

As I have said I have not done this in Switzerland.
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Old 23.04.2013, 10:44
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Re: Received Zahlungsbefehl from Betreibungsamt, what do I do?

First of all, I would check whether you really have payed what you think you payed.

Sometimes medical bills may come in two parts. For example I once went to see my gp and besides the normal check up, which I payed for then and there, he sent a blood sample in to a lab for analysis and that was billed separately. On another occasion I was there after an accident and one part of the bill was therefore on accident insurance and the other part was on general health insurance and the gp issued two separate bills for that. If the amounts are similar it can be confusing as you may think you have already payed.

One good place to start is with your health insurance. They should know how the billing system works and what has already been payed and what is reasonable and what isn't.
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Old 23.04.2013, 10:52
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Re: Received Zahlungsbefehl from Betreibungsamt, what do I do?

"You may end up paying a fee to the collection agency, but only if they don't give you bad credit."

So I may have bad credit then, how do I fix it?
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Old 23.04.2013, 11:43
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Re: Received Zahlungsbefehl from Betreibungsamt, what do I do?

First get the bills sorted out.
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Old 08.09.2014, 19:38
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Re: Received Zahlungsbefehl from Betreibungsamt, what do I do?

I received a medical bill for doctor appointment with lot of wrong charges of tests, telephone call etc. I think they mixed up something. Doctor sent bill to insurance and insurance invoiced me. I called insurance and they are going to cancel invoice/doctor's payment. I received a separate bill from a LAB which have correct tests written which I already paid. Doctor never sent me any bill or test reports directly and ignored my emails when I inquired about the test results. Shall I wait for the response from doctor as I owe him at least appointment charges?

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I have been in a long dispute with a doctor regarding a medical bill. (He charged me for something I did not receive.) We eventually settled the bill.

In the meantime, Inkasso Med sent it to collections. I was confused during the entire process since I am new to Switzerland. I already paid the bill, therefore it seems I may have to pay it twice now.

1. What does Zahlungsbefehl mean? My husband picked it up for me at the Betreibungsamt, but we can't figure out what it is. Do I have bad credit now?

2. How can I pay this bill? Do I pay the doctor, collection agency or Inkasso Med? I've already paid the doctor...so confused. I just want this to be over and to have my credit repaired...I am someone who always pays her bills, major confusion here.

Thanks for your help!!

Last edited by simple_person; 08.09.2014 at 19:59.
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Old 08.09.2014, 20:05
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Re: Received Zahlungsbefehl from Betreibungsamt, what do I do?

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Doctor never sent me any bill or test reports directly and ignored my emails when I inquired about the test results. Shall I wait for the response from doctor as I owe him at least appointment charges?
The proper way is to write a letter to the doctor, explaining what has happened in simple terms, and in simple chronological order, and ask him for a bill for the two consultations you believe you owe him. (Yes it is a pain, but he isn't responding to e-mail)

Then make a copy, and send it by registered letter (Eingeschrieben) or (lettre recommandée) and keep the proof of posting from the Post Office, with the copy.
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Old 08.09.2014, 23:00
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Re: Received Zahlungsbefehl from Betreibungsamt, what do I do?

Thanks Sbrinz. I will do that.

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The proper way is to write a letter to the doctor, explaining what has happened in simple terms, and in simple chronological order, and ask him for a bill for the two consultations you believe you owe him. (Yes it is a pain, but he isn't responding to e-mail)

Then make a copy, and send it by registered letter (Eingeschrieben) or (lettre recommandée) and keep the proof of posting from the Post Office, with the copy.
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Old 07.02.2015, 10:32
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Re: Received Zahlungsbefehl from Betreibungsamt, what do I do?

Separate to the above 2013 case above.

I received a Gebuhrenrechnung [accounting of charges/bill] this morn in the post with a pink slip for chf18.

The problem is is does not seem to state who is making the claim anywhere on the 2page document.
There seems to be a 5 day payment demand but I don't want to pay it before understanding in case payment is taken as a mark of acceptance.

Anyone with experience of this in Kanton Luzern ?

Last edited by 3Wishes; 07.02.2015 at 12:28. Reason: added English translation
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Old 07.02.2015, 10:47
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Re: Received Zahlungsbefehl from Betreibungsamt, what do I do?

This is the letter:
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received-zahlungsbefehl-betreibungsamt-payment-demand-debt-registry-att_1423298554896_tempfileforshare.jpg  
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Old 07.02.2015, 11:02
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Re: Received Zahlungsbefehl from Betreibungsamt, what do I do?

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This is the letter:
Did you ask for a print out of the debt register?
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Old 07.02.2015, 11:10
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Re: Received Zahlungsbefehl from Betreibungsamt, what do I do?

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This is the letter:
The text says "Auskünfte schriftlich" [information in writing] and refers to http://www.admin.ch/opc/de/classifie...index.html#a68

You probably asked for an "Betreibungsauszug " [debt register extract]

https://secure.stadtluzern.ch/de/onl...ienst_id=12435

If you did, pay up, and get the Betreibungsauszug delivered.

Last edited by 3Wishes; 07.02.2015 at 12:24. Reason: added English translations
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Old 07.02.2015, 13:32
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Re: Received Zahlungsbefehl from Betreibungsamt, what do I do?

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Did you ask for a print out of the debt register?
No, I really don't think so.
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Old 07.02.2015, 14:36
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Re: Received Zahlungsbefehl from Betreibungsamt, what do I do?

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The text says "Auskünfte schriftlich" [information in writing] and refers to http://www.admin.ch/opc/de/classifie...index.html#a68

You probably asked for an "Betreibungsauszug " [debt register extract]

https://secure.stadtluzern.ch/de/onl...ienst_id=12435



If you did, pay up, and get the Betreibungsauszug delivered.
I may be losing my marbles but I really don't remember ordering this

Thanks all for your helpful response.

In summary it look to you all like it is not a demand for a debt I owe, right?
Rather a bill for a copy of a debt register?
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Old 07.02.2015, 15:03
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Re: Received Zahlungsbefehl from Betreibungsamt, what do I do?

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I may be losing my marbles but I really don't remember ordering this
Have you recently applied for a residence permit, a lease, a mortgage, a job in finance, a marriage license...?
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Old 07.02.2015, 15:40
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Re: Received Zahlungsbefehl from Betreibungsamt [payment demand from debt registry]..

Yes, permit renewal.
What's happening, the permit authority are doing a credit search on me?
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Old 07.02.2015, 16:24
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Re: Received Zahlungsbefehl from Betreibungsamt [payment demand from debt registry]..

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Yes, permit renewal.
What's happening, the permit authority are doing a credit search on me?
Very possibly. Some cantons ask you to provide copy of the debt register extract for permit renewal and some don't but apparently they can check up on you anyway ( learned from Sbrinz on another thread).
Maybe your canton charges you for the privilege of being checked up on.
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Old 07.02.2015, 16:30
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Re: Received Zahlungsbefehl from Betreibungsamt [payment demand from debt registry]..

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Yes, permit renewal.
What's happening, the permit authority are doing a credit search on me?
I think that's standard, but as far as I know you order the debt register extract yourself and ask them (the Betreibungsamt) to send it. I don't think the permit authorities can check it without your permission.
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Old 07.02.2015, 16:57
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Re: Received Zahlungsbefehl from Betreibungsamt [payment demand from debt registry]..

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Yes, permit renewal.
What's happening, the permit authority are doing a credit search on me?
They do not do a credit search - you being in good financial standing is a pre-requisite to your permit being renewed.

I would consider it highly unusual (and inappropriate), if this document was requested without your knowledge.

And, yes, this request for payment is not about debt. A service is being performed by the Betreibungsamt and you are expected to pay for that.
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Old 10.02.2015, 09:58
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Re: Received Zahlungsbefehl from Betreibungsamt [payment demand from debt registry]..

I wonder why the OP is not able to ask that simple question the issuer itself, but takes the burden to ask a totally clueless online community who is totally unaware about OP's own business?
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