Debt Objection
Filing an objection after receiving a payment order.
With this template you file a legal objection (Rechtsvorschlag) against a payment order and send the letter straight by post – no account, from CHF 2.49. The objection is subject to a short deadline of ten days from service of the payment order; no reasons are required.
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Suggested subject
Objection: Debt Collection No. {{prosecution_number}}
Body preview
Dear Sir or Madam, I hereby file an objection (Rechtsvorschlag) to the payment order No. {{prosecution_number}}. I contest the claim in its entirety. Yours sincerely,...
How to file a legal objection
Last updated: July 2026If you receive a payment order you disagree with, you can file a legal objection within ten days of service. This provisionally stops the debt enforcement: the creditor must then take the legal route (request to lift the objection or a court action) to continue. An objection does not need to be justified – the declaration “Rechtsvorschlag” (objection) is enough.
The objection can be declared orally or in writing at the debt enforcement office. A partial objection is also possible if you only dispute part of the claim (state the amount). Because the ten-day deadline is short and timely receipt counts, sending quickly and with proof is important. This information does not replace legal advice.
Recommended shipping type
Because the ten-day deadline is short and receipt counts, we recommend sending quickly by registered mail (from CHF 8.99). You then have proof of posting. Also check whether an oral declaration at the office is faster for you. This is a recommendation, not legal advice.
This information is provided as drafting help only and does not constitute legal advice. Deadlines and formal requirements can vary by contract, policy or canton – if in doubt, check with the relevant body.
Legal objection deadlines & facts
Overview (no guarantee – if in doubt, ask the office):
- Deadline
- 10 days from service of the payment order
- Addressee
- the debt enforcement office (not the creditor)
- Reasons
- not required; “objection” is enough
- Effect
- enforcement is provisionally stopped
- Partial objection
- possible (state the disputed amount)
- Recommended sending
- registered mail (deadline, proof)
How it works
Fill in template
Review PDF
Send via post
Common questions
How long do I have to file the objection?
You can file a legal objection within ten days of service of the payment order. Timely receipt counts, so act quickly.
Do I have to justify the objection?
No. No reasons are required; the declaration of objection is enough. Reasons can nevertheless be useful in certain cases.
Who do I address the objection to?
To the debt enforcement office that served the payment order – not the creditor. You can also declare the objection orally at the office.
What happens after the objection?
Enforcement is provisionally stopped. The creditor must take the legal route (e.g. request to lift the objection) to continue.
Can I dispute only part of it?
Yes, a partial objection is possible. State the disputed amount clearly; enforcement continues for the acknowledged part.
How should I best send the objection?
Given the short deadline, we recommend sending quickly by registered mail (from CHF 8.99) as proof. Also consider an oral declaration directly at the office.