# General Legal Information — JusticePourtous provides general legal information based on current Swiss law. This service does not replace personalized legal advice from a lawyer.
Practical Guide
I want to negotiate with my creditors
The amicable arrangement (or private concordat) is not specifically regulated by Swiss law, but the practice is well established. It consists of negotiating with creditors a staggered repayment plan or a partial debt remission. Debt counseling services (Caritas, Centre…
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Applicable law provisions
- LP 293 — Composition Agreement — moratorium of composition agreement
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Critical Deadlines
- Complete inventory of debts — immediate
- Realistic monthly budget — under 7 days (SCDP Directives / LP 93)
- Written Proposal to Creditors — under 14 days
- Formalization of agreements — as soon as agreed
- Escalation to debt mediation — after failed negotiations
Keywords
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