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  #21  
Old 05.03.2015, 17:08
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Re: Anyone know about bankruptcy in CH?

I can unserstand at this point you may be feeling like you've tried a lot of things, but I think you may need to find the energy to push that bit harder to get the social help you are needed.

The long and hard question is whether you are stuck in Geneva and how your life plans fit with that.

The immediate problem is that you lack the information to be able to make wise decisions. Here are the questions I would ask, but please do not feel the need to answer them here on a public forum.
- are you getting unemployment insurance as you are currently jobless, and are you in a position to find a new job.
- are you likely to be able to persue your ex for the money due to you (and your son!) ...have you exhausted all legal channels available in Switzerland
- are you stuck here in Switzeland...when would you be allowed to leave ?
-what are your realistic job prospects?
- what is the reality of your debt. Have you written it all down. Do you have a proper budgeting system to handle your current finances, have you gone through each individual debt and made efforts to minimise it or get a payment plan.
- what social departments /social services have you spoken too.

I know it is daunting to go to a service that does not guarantee to speak your language, but you need to start accessing free advice instead of paying for everything "the expat way". Seriously, there are more than one economy in Switzerland - the social services are highly resourced and very intact, if you can access them.

- school system
-school psychology
-youth services
-social services
-migrant information service
-community centres
-social workers
-women's refuge
-mother/father/baby nurses

I know there are specific financial advice services available to families in difficulties...both family breakdown and financial problems. They can look at your entire financial situation and advise you how to deal with the problem.

Do you know where your local community centre and migrant information centre are? These are great places to start.
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  #22  
Old 05.03.2015, 17:13
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Re: Anyone know about bankruptcy in CH?

Have a look here:
http://www.humanrights.ch/en/useful-addresses/

As a community worker (my previous profession) I spent a lot of time on the telephone, asking the question 'I wonder if you can help me?'...here is my (my client's) situation... Can you advise me on what steps I could take? If not, can you tell me where else/who else I could try.

Do it with a paper and pen to write down ideas and contacts as you go along. The best advice I got was along the way was someone who had brilliant experience and expertise to help my client with a complex problem, but she no longer worked in that area. I got her name and current work phone number by making enquiries, and she was absolutely willing to help over the phone and give lots of information even though she had moved on to working in a different field... So often, finding the right person can be the tough part...it takes time and resourcefulness and guts to 'put it out there'...
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Old 05.03.2015, 17:18
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Re: Anyone know about bankruptcy in CH?

Try these as well. Please do not be put off by the fact that they provide information in french. Try phoning them anyway, or find their website and send them an email. Your situation is desperate...either they may find someone who speaks English, or they organise a translator or you find someone who can translate for you. It will be so much cheaper if you can start to access the local services that are there for this exact purpose!

Women's Support Groups
Solidarité Femmes: Provides help and support for women and their children suffering from domestic violence.

Solidarité Femmes (in French)
At: 46, rue de Montchoisy, 1207 Geneva
Tel: +41 (0)22 797 10 10 (24/7)
F-Information: Association for women providing help with work, legal and family matters.

F-Information (in French)
At: 67 Rue de la Servette, 1211 Geneva
Tel: +41 (0)22 740 31 00
email
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Old 05.03.2015, 17:22
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Re: Anyone know about bankruptcy in CH?

Unlike the rest of Swizerland, where social services are de-centralised to the local town halls, Geneva has a centralised social service system.

This link should give you the google translate version in english. It's going to give you a rough translation of the French.
http://translate.google.ch/translate...e/&prev=search
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