Payment order: ten days to file opposition
Updated on October 24, 2026
Debt enforcement starts with a request to the debt-enforcement office at the debtor's domicile. The office serves a payment order. That document is not a judgment. It states the creditor, the amount and the demand to pay. Article 74 of the Federal Debt Enforcement and Bankruptcy Act gives the debtor ten days from service to file opposition, orally or in writing, at the office. Opposition stops enforcement. It does not decide whether the debt exists. After the period, the creditor may request continuation. The text is the Act on Fedlex.
What the DEBA says
The ten days are not extended because the person was on holiday, except under the general rules on service. The competent office is that of the domicile.
| Event | Period |
|---|---|
| Opposition to the payment order | 10 days from service |