
As of January 1, 2025, a significant amendment to the Swiss
Federal Act on Debt Enforcement and Bankruptcy (DEBA) will come into effect,
aimed at combating abusive bankruptcies. This legislative change introduces a
fundamental reform in the collection of OASI (Old Age and Survivors' Insurance)
contributions.
Bankruptcy Proceedings Instead of Seizure
Until now, outstanding AHV/OASI contributions were collected
through a seizure procedure. From 2025, for debtors registered in the
commercial register, this will be done through bankruptcy proceedings.
Stricter Consequences
Companies and self-employed individuals who fail to meet
their financial obligations must expect faster and more serious consequences:
- After a short debt enforcement procedure (about 3 months),
a judicial payment order is issued
- In case of non-payment, bankruptcy proceedings are
initiated and the business is closed
To avoid these negative effects, it is recommended to:
- Pay invoices on time
- Proactively engage with the creditor in case of payment
difficulties
- If necessary, arrange a payment agreement
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