Recupero crediti – Seconda possibilità per i debitori | Il Bundesrat vuole rendere più facile per le persone indebitate liberarsi dai debiti. Non tutti sono entusiasti. Le cifre più importanti.

Translation:

>__What does the new debt relief procedure aim to achieve?__ Indebted individuals should get a second chance, according to the Federal Council. Thanks to two new financial rehabilitation procedures, people should become debt-free more easily.

>>__Infobox: Federal Act on Debt Enforcement and Bankruptcy__

>>The Federal Council proposes two changes to the law: one is a simplified debt restructuring procedure, and the other is a rehabilitation bankruptcy procedure. The first is intended to benefit debtors with a regular income. The second, the rehabilitation bankruptcy procedure, is designed for individuals with hopeless levels of debt where a restructuring agreement is not feasible. More information can be found here.

https://www.admin.ch/gov/de/start/dokumentation/medienmitteilungen.msg-id-103794.html

>__What are the main differences from the current procedure?__ Unlike many other countries, in Switzerland, highly indebted individuals cannot sustainably rehabilitate their finances, says the Federal Council. These individuals have no realistic prospects of ever becoming debt-free. This is what the new procedures aim to change.

>__Debt counseling sees many advantages:__ The umbrella association of Debt Counseling Switzerland identifies many benefits in the legal amendment. It is considered an important step against poverty, providing many people with a new perspective. According to the Federal Council, between 2,000 and 10,000 people per year could benefit from it.

>__What do creditors say?__ The idea is a justified socio-political concern, says Raoul Egeli, Vice President of the Association of Swiss Debt Collection. However, the planned legal changes are far too complex and miss the original goal of reintegration. Furthermore, Egeli argues that the changes should not be financed at the expense of creditors. The state should bear the costs of the procedures, not the creditors.

>__Unclear how many people in Switzerland are in debt:__ According to the umbrella association Debt Counseling Switzerland, nearly 6,000 people seek debt counseling annually. There are some key statistics about these individuals:

>-People aged 30 to 49 are overrepresented compared to the general population. Single individuals and single parents are also overrepresented.

>-Only a small proportion of individuals have a university degree. Most indebted individuals have vocational training or only a mandatory school qualification. 79 percent of those seeking advice have a household income of less than 6,000 Swiss francs.

>__Reasons for debt vary:__ According to Debt Counseling Switzerland, critical life events often mark the beginning of indebtedness. Illness, accidents, and separation or divorce top the list. However, risky financial planning ranks higher than unemployment.

>__Debts keep rising:__ According to debt counseling, half of those seeking help have debts between 12,577 and 70,963 Swiss francs. The average debt increases significantly with the duration of indebtedness. Nearly three-quarters have tax debts, and three-fifths owe money to health insurance companies.