Updated 23.05.2024

Debt takeover agreement 

The substitute replaces the debtor in his obligation to pay the debt to the creditor.

Use this contract: 

  • When you owe the creditor a certain amount of the debt, in Swiss francs or foreign currency.
  • If the substitute agrees to assume all or part of your debt and replace you vis-à-vis the creditor.
  • Whether the takeover is free of charge or requires you to pay a discharge sum to the substitute.




This contract is governed by Swiss law and complies with commercial and financial law

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Use the following options to optimise the conditions of the assignment: 

  • Possibility of taking over claims in principal, with contractual interest, interest on arrears, costs and penalties accrued to date. 
  • Conditions precedent to takeover and additional guarantees from the debtor to the substitute. 
  • Flexibility in the calculation and payment of the price or the fact that the takeover is free of charge. 
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