Even in Switzerland – despite the stable economic environment – many people find themselves in difficult financial situations. Unemployment, illness, divorce, high living costs or even excessive borrowing can easily lead to debt.
In Zurich, several financial advisors and fiduciary companies offer assistance in debt restructuring, including REAL-Treuhand, which has several decades of experience in this field.
📌 When should you contact a professional?
If any of the following problems apply:
▪️ Debt enforcement proceedings (Betreibungen) have been initiated against you
▪️ You cannot pay rent, insurance or health insurance
▪️ You have multiple loans or installment payments
▪️ Tax debts have accumulated
▪️ You are receiving continuous payment reminders
The earlier action is taken, the greater the chance of an orderly solution.
🧾 How does a debt restructuring process work?
Experts generally follow these steps:
🔹 Complete financial overview
– A precise assessment of all outstanding debts, obligations and income.
🔹 Strategy development
– Payment agreements, installment plans, possible settlements with creditors.
🔹 Commitment to avoiding new debt
– It is essential that the client does not take on new loans.
🔹 Settlement of ongoing expenses
– Rent, health insurance, insurance policies and taxes must be paid on time.
⚖️ Common causes of debt
▪️ Sudden unemployment
▪️ Illness or accident
▪️ Divorce or separation
▪️ Financing a lifestyle beyond one's means through credit
▪️ Mortgage burdens due to purchasing a house or apartment
▪️ Leasing and consumer loans
Many people only seek help once several enforcement procedures have already started – yet early intervention is crucial.
💬 Is there a free initial consultation?
Several Swiss fiduciary offices – including REAL-Treuhand – offer a free initial consultation to assess your financial situation and present possible solutions.
Important to know:
Debt restructuring can only be successful if the person concerned is cooperative and committed to disciplined financial behavior.
📍 Contact in Zurich
REAL-Treuhand
Weinbergstrasse 37
8006 Zurich
Tel: +41 44 363 62 62
🔎 Swiss TV Info advice
If you live in Switzerland and struggle with financial difficulties:
▪️ Do not wait until the situation worsens
▪️ Do not take out new loans to pay off old ones
▪️ Seek professional help
▪️ Always verify the official details of the service provider
Debt is not shameful – but inaction can have serious long-term consequences.
