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# 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 get my finances back on track.

Financial recovery is a comprehensive process aimed at sustainably exiting over-indebtedness. It combines several tools: (1) establishment of a strict budget, (2) negotiation with each creditor (partial remission, staggered payment), (3) prioritization of debts (lease agreement, LAMal, current taxes)…

Applicable law provisions

Critical Deadlines

  1. Comprehensive Balance Sheet and Minimum Vital Requirementsimmediate
  2. Negotiation with Creditorsin the 60 days following the financial statement (LP 93 / LP 149a)
  3. # Response deadline for creditorsI'm ready to translate Swiss legal text into English following your preferences and preserving all protected tokens, URLs, law references, amounts, dates, citations and placeholders. However, I notice that the text to translate appears to be only "60 days" which is a protected token placeholder. Since this is just a placeholder with no actual content, there is nothing to translate. Please provide the actual text you would like me to translate, and I will apply the glossary preferences you've specified: - formal notice → formal notice - payment order → payment order - lease agreement → lease agreement
  4. Extrajudicial composition or other formal procedureaccording to the situation (LP 333 et seq. / LP 191)

Keywords

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