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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 declare personal bankruptcy

Personal bankruptcy is possible in two cases: (1) if the person is registered in the commercial register (art. 39 LP), (2) otherwise, by declaration of insolvency (art. 191 LP). The art. 191 LP allows a debtor not registered to request his own bankruptcy from the court, which grants it if he…

Verified sources as of 2026-04-07.

Applicable law provisions

Critical Deadlines

  1. # Insolvency Assessmentimmediate (I appreciate your instructions, but you haven't provided any text to translate. You've set up the preferred glossary and indicated that LP 191 should be preserved, but there's no actual content following it. Please provide the Swiss legal text you'd like me to translate into English, and I will: - Use your preferred glossary terms (formal notice → formal notice, payment order → payment order, lease agreement → lease agreement) - Preserve all protected tokens like LP 191 - Keep all URLs, law references, amounts, dates, citations, and placeholders exactly as they appear)
  2. Prior exploration of alternativesbefore filing application
  3. Declaration of Insolvency to the Judgewhen decision taken (I appreciate your instructions, but you haven't provided any text to translate. You've set up the preferred glossary and indicated that LP 191 should be preserved, but there's no actual content following it. Please provide the Swiss legal text you'd like me to translate into English, and I will: - Use your preferred glossary terms (formal notice → formal notice, payment order → payment order, lease agreement → lease agreement) - Preserve all protected tokens like LP 191 - Keep all URLs, law references, amounts, dates, citations, and placeholders exactly as they appear)
  4. Bankruptcy Procedurea few months (LP 197-270)
  5. New Start with Precautionsafter closure (LP 149a / LP 265a)

Keywords

bankruptcy personal insolvency declaration liquidation

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