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  #1  
Old 11.05.2008, 17:36
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the betreibungsauskunft riddle...

ok guys lots of switched on people around here,maybe someone can help me with this.

I arrived in Zurich the previous
weekend(EU 15) on Monday the 5th went to kreisburo i gave them my contract and my temporary address and the charged me 20chf and gave me two big packs of brochures along with that a temporary paper to have till my
permit b arrives(anyone knows when?) Same day i open a new account with a bank.

i am searching for an apartment i want to apply for one but on the application form says that a betreibungsauskunft is essential.

Reading through the threads ,it seems to be something like a credit history of some sort. so my logical mind cant quite cope with this, can someone drop 1-2 lines explaining how am i suppose to have that paper? and based on what? (8 days in Switzerland and counting)

and if lets say its very logical to have that paper , where do i get it from? kreis buro? sounds weird, from my bank? sounds even weirder there is nothing there yet i just received some pins and staff.
How long do i have to wait?

can i have it in the same day?

thats about it!

cheers guys, i keep reading your posts and getting more and more intimidated by the horror stories. fantastic if i keep reading more i might need counseling ;p
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  #2  
Old 11.05.2008, 18:15
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Re: the betreibungsauskunft riddle...

Every community or "Gemeinde" in Switzerland has a "Betreibungsamt"
or credit bureau. You can go here and get a credit report or "Betreibungsauszug". Most likely, they will not be able to process
it since you have been in the country only 8 days.

Cheers,
Grant
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Old 11.05.2008, 18:32
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Re: the betreibungsauskunft riddle...

Of course they will process it. They will give the OP a paper that says he has no debts in Switzerland. Well, we assume he doesn't as he's only been here for 8 days!

In Suisse Romande you would go to the Offices des poursuites et des faillites and get an attestation d'absence de poursuite (certificate that you have no debt).

For Vaud: http://www.opf.vd.ch/
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Old 11.05.2008, 18:35
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Re: the betreibungsauskunft riddle...

Even though we had only been in the country 14 days, we went ahead and got the Betreibungs to make our applications complete. The person helping me was a little surprised, but went ahead and printed it out.

I kept thinking aktuell meant actual until I realized it meant current.
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Old 11.05.2008, 18:57
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Re: the betreibungsauskunft riddle...

Yeah, just go to your kreisburo and get one. Some agencies require it as a formality.
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Old 11.05.2008, 19:02
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Re: the betreibungsauskunft riddle...

wow that was fast! thanks guys.

I didn't have any time to have a dept yet! although i went out on Friday

i bet my applications will be very popular at the agencies (i have no previous landowner, 8 days here, haven't received my permit yet,temporary current address,new bank account) (life is so funny everyone usually asks money in advance but you always get paid in the opposite , how convenient is that!)

But i will apply anyhow, the "plain madness" tactic has got me this far in life why abandon it now
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Old 12.05.2008, 10:15
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Re: the betreibungsauskunft riddle...

Don't forget to make photocopies of this to include in your applications; otherwise you will have to pay again for them to issue one.
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Old 10.06.2008, 23:51
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Where and when to get one

nick2008: Did you apply for apartments with your new Betreibungsauszug already?

As I understood from this forum, many agencies will ignore applications that have no Betreibungsauszug attached, even if it's from someone who just moved in to Switzerland a few days ago, even if he may have otherwise have got the apartment. Others, though, say that for a newcomer it doesn't really matter. How's it really? Of course if it doesn't matter, I wouldn't mind attaching an empty one just for the sake of it. But can it not also make a bad "petty" impression?

Also, I'm not sure I understand - does one get the Betreibungsauszug at the Kreisbüro or the Betreibungsamt? From this thread it seems obvious to be the Betreibungsamt, but in other threads people say Kreisbüro.

And indeed, can anyone get it - even a tourist or someone who's never been in Switzerland before? Or do you need to be registered as a resident to get one? And in that case, I understand you don't to have the actual permit yet - the letter saying it's being processed should be enough. Right?
Thanks,
-- Tom

Last edited by alsbergt; 11.06.2008 at 00:03. Reason: Just to clarify why I'm asking a question that seems to be answered already.
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  #9  
Old 19.07.2009, 11:50
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Re: the betreibungsauskunft riddle...

Here's some general info on the "Betreibungsauskunft" and the "Betreibungsamt".

First of all: the Betreibungsauskunft doesn't say anything about debt (well, not usually, that is). Each district has a local register for payment summons (that's what a "Betreibung" means). That register is local - no records originating in other districts are visible there. So if you had an entry and move within Switzerland, your new district's register won't show that entry anymore.

Payment summons are somewhat controversial in Switzerland because no outstanding balance or debt has to be proven in order for you to send one to someone. That is, you can have the registry send a payment summons to anyone for any amount no matter if the other person owes you anything or not.

If a payment order is unfounded, the receiver of the order can stop the process by filing an objection (a so called "Rechtsvorschlag"). Doing so requires the party that sent the summons to initiate a legal process which will require you to appear in front of the justice of the peace (for smaller amounts) or in district court (for larger amounts). There it will be decided if the amount is owed or not. Smaller amounts hardly ever end up in the legal process because the costs are too high for both parties. So the objection usually stops the process.

Well, so far so good. The controversy, however, is the following: no matter if the summons is stopped by an objection or not and no matter if the amount the summons was for is actually owed or not, the person who received the summons will have an entry in the local registry that can't be easily gotten rid of anymore and that will show up in the "Betreibungsauskunft" for at least 3 years. In order to get rid of the entry, you have to sue the other person. As the "Betreibungsregister" is considered a simple, non-judgmental registry by law, the courts have been more than reluctant to have unjustified entries deleted - so sueing to get rid of your registry entry might not be successful and will cost you thousands of Fr.

Up until relatively recently, the "Betreibungsregister" was a normal legal register that wasn't used for much. However, landlords, banks, credit card companies etc. started (ab-)using it as some sort of debt register (which it isn't, as the entries may be unfounded). This isn't technically legal but so far the federal council has failed to stop those practices.

Because you can have payment summons sent out to anyone, the register, today, is very frequently used as a weapon in neighborhood disputes, by companies that unlawfully want your money etc. Chances that someone will try to screw you by sending you a phony payment summons, resulting in an embarrassing entry in the register are about 1 in 10 for each Swiss resident during his or her lifetime. Once you have an entry, it might be hard or impossible to get a loan, a leasing contract, a new apartment and sometimes even a new job.

The only ways to get rid of the entry are to get the person who had the summons sent out retract it or to move to a different district (which might be impossible because you can't get a new apartment once you have that entry...)

If you have any further questions - I'm the person to ask. I know all about the process because a spammer that I had reported to my employer's legal department found out where I live and sent me one of those summons. That was last year - I still haven't been able to get rid of the registry entry. I had to take a lawyer (thank god for legal insurance...) but the deletion process hasn't been successful because the court simply refused to even look at the case. I'm now in the process of preparing a lawsuit for coercion which is promising to be more successful.

Peter
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  #10  
Old 08.03.2012, 07:25
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Re: the betreibungsauskunft riddle...

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Chances that someone will try to screw you by sending you a phony payment summons, resulting in an embarrassing entry in the register are about 1 in 10 for each Swiss resident during his or her lifetime. Once you have an entry, it might be hard or impossible to get a loan, a leasing contract, a new apartment and sometimes even a new job.
OMG. I have heard of so many oddities that will come my way when I endeavor to join the CH society....being stared at on public transportation, crashing into my shins in the market, being reminded of all the things one does wrong almost hourly, seeing naked bits of all and sundry on beaches, parks, glaciers, and saunas.... But this one is rather chilling.

Is the assumption in the courts that no one would file a report unless it was true--based on the inherent honesty of the regular Swiss citizen?

Wow. Scaree.

Is this a real thing to fear? Do they target newcomers especially? Can a newcomer file one as well?
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Old 21.02.2021, 22:50
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Re: the betreibungsauskunft riddle...

I have a question:

I need the Betreibungsauszug for the purpose of familiy reunification (it is one of the required docs): it says for the past 3 years from the place of residence. However I have just changed my flat and community respectively. The question is:

Does somebody know if it is sufficient to ask for the Betreibungsauszug from my current community (where I have been living sinc only 3 months), or I should also order the Betreibungsauszug fromy my previous community? Is the latter is at all possible (as I am not registered there anymore)?

thanks in advance for sharing of your experience
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Old 22.02.2021, 06:29
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Re: the betreibungsauskunft riddle...

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I have a question:

I need the Betreibungsauszug for the purpose of familiy reunification (it is one of the required docs): it says for the past 3 years from the place of residence. However I have just changed my flat and community respectively. The question is:

Does somebody know if it is sufficient to ask for the Betreibungsauszug from my current community (where I have been living sinc only 3 months), or I should also order the Betreibungsauszug fromy my previous community? Is the latter is at all possible (as I am not registered there anymore)?

thanks in advance for sharing of your experience
I had to get one document from my former community and one from my prior community.
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Old 22.02.2021, 09:38
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Re: the betreibungsauskunft riddle...

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I had to get one document from my former community and one from my prior community.
Ok, thank you for posting and letting know.
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Old 22.02.2021, 09:56
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Re: the betreibungsauskunft riddle...

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I need the Betreibungsauszug for the purpose of familiy reunification (it is one of the required docs): it says for the past 3 years from the place of residence.
[...]
Betreibungsauszug from my previous community? Is the latter is at all possible (as I am not registered there anymore)?
It means you should get a Betreibungsregisterauszug from all the respective Swiss Betreibungsämter/Office de Poursuite where you lived in the past 3 years. Be aware that you can not get if from the commune but only from the Betreibungsamter/Office de Poursuite which is a separate entity. Knock at the correct door

Certain Betreibungsämter/Office de Poursuite will only serve part of a particular commune while others might serve more than one commune. One and only one office serves a particular address.

Once again the helpful link where you can find Betreibungsamter/Office de Poursuite which serves your current and past addresses and request an extract.
https://www.ch.ch/en/extract-debt-collection-register/
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Old 26.02.2021, 12:15
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Re: the betreibungsauskunft riddle...

As I mentioned earlier, I ordered the "Betraibungsauszug" from both communities and I got the 2 different documets from 2 communities.

the one, from community where I lived before, says: that "Mr. Name does not have debts in the past 5 years, but he moved from our community on the DD/MM/YYYY.

the one from community I live now, says: "Mr. Name does not have debts , but he moved to our community on the DD/MM/YYYY.

So, both, combined, the documents should suffice in my opinion, to prove that I did not have any debts over past 3 years.
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Old 22.02.2021, 09:38
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Re: the betreibungsauskunft riddle...

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Don't worry about whether or not your previous municipality will be able to give you that information. Just ask. They will reply and either a) send you the Betreibungsauszug (for their fee) or b) tell you thanks for trying, but sorry, no, we can't provide you with that because you are no longer registered here. Either way, submit whatever you get back from them and/or what you obtain from the central registry.

Adding together where you live now, and where you lived before, have you lived in Switzerland for 3 years? If so, then get the Betreibungsauszug to cover the entire 3 years. That's what they've asked for, so send them that, or proof of your best effort at obtaining it.

If you have not yet been in Switzerland for 3 years, then you would have to try to raise some similar document from wherever you lived before... but perhaps with more difficulty, as amogles described.
Yes, I actually did exactly the same what you suggest: just askeed both communities. I will provide the outcomes here in (hopefully) few days. I, initially was sure I should ask the 2 communities, however when I was filling the "form" on-line: It appeared completely the same (irrespective of community), so I assumed it could be just one "State Register", in which the community would check any possible debts.
In fact I have the Betraibungsauszug from my former community, issued in September (when I was looking for the new appartment), but I asked for the new one. Hope they would be able to provide it.
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