# 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…
Verified sources as of 2026-04-07.
⚖️ Articles, deadlines and authorities reviewed by our legal AI on 2026-04-29. Does not replace a human lawyer.
Applicable law provisions
- LP 293 — Composition Agreement — moratorium of composition agreement
- I'm ready to translate Swiss legal text into English, preserving all protected tokens, URLs, law references, amounts, dates, citations, and placeholders exactly as they appear. However, I notice that the text you've provided contains only `LP 85a` with no actual content to translate. Please provide the Swiss legal text you would like me to translate, and I will: - Translate it into English - Preserve every protected token (like LP 85a, etc.) - Preserve every URL, law reference, amount, date, citation, and placeholder exactly - Apply the glossary preferences you've specified (formal notice → formal notice; payment order → payment order; lease agreement → lease agreement) - Return only the translation Please share the text you need translated. — Revocatory Action — Conditions
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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