Debt confirmation agreement 

Use this contract: 

• To confirm a debt that has not been documented, or to make changes to the repayment.
• That the debt arises from a loan or invoice, whether private or commercial, in Swiss francs or foreign currency.
• Whether the debt is interest-free, with simple or compound annual interest, or one-off interest only.
• Whether or not you wish to impose additional guarantees and restrictions on the debtor.
• Whether or not you wish to provide for penalties and enforcement measures in the event of late repayment.

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Jurisdiction: Switzerland
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Protect yourself legally as a creditor with the following options: 

• Prohibition on selling significant assets, taking on debt or giving more advantageous security to third-party creditors. 
• Obligation to regularly confirm declarations, disclose financial statements or tax returns, subject to immediate termination. 
• Interest on arrears and reminder charges in the event of late payment, with the debtor obliged to cover any legal costs in the event of enforcement. 

• Immediate termination in the event of a change of control, bankruptcy, or insolvency of the debtor. 
• Cancellation of the instalment plan and demand for immediate repayment in full if even one instalment is overdue. 

Safeguard your interests as a debtor by using the following clauses: 

• Flexible calculation of simple interest with the option of a single or regular payment. 
• Option to specify a single interest rate that does not depend on the term of the debt. 
• Option to accumulate compound interest over different periods. 
• Limitation of reminder fees.