LegaFund Insights
Insights
Research, legal finance, and private capital perspectives with Swiss institutional rigor.
Compliance in debt collection: privacy, communication and auditability
Professional debt collection is a compliance discipline. This post highlights what “serious” looks like: data minimisation, respectful messaging, clear evidence and robust vendor governance.
A practical playbook: early intervention, payment plans and de-escalation
Most cases are won or lost before formal enforcement. We outline a practical, respectful playbook: documentation, timing, negotiation and when to escalate — with an eye on recovery rates and reputation.
2025 law change: “debt enforcement leading to bankruptcy” — why earlier resolution matters
From 1 January 2025, debt enforcement for certain registered debtors can proceed as bankruptcy. We summarise the change at a high level and what it implies for early, fair collection practices.
What the numbers show: payment orders and bankruptcies in Switzerland (1994/1995–2024)
BFS time series show a clear rise in formal enforcement. We highlight the 2024 YoY changes and the longer-term trend — and explain what you can (and cannot) infer from the data.
Inkasso, debt enforcement and bankruptcy: the Swiss process in one overview
What happens between an unpaid invoice and formal enforcement? This post explains the key terms (payment order, objection, seizure, realisation, bankruptcy) and why process clarity reduces friction.
Debt collection (Inkasso) in Switzerland: why it matters — and why it is not a taboo
Debt collection is not about stigma or pressure; it is about fair, documented processes that prevent escalation. Using BFS data (1994/1995–2024), we show why professional claims management matters for businesses and households.