281.1
SCHKGLPLEF
CH
CH
Art. 123 Bundesgesetz vom 11. April 1889 über Schuldbetreibung und Konkurs (SchKG)
SchKG; Dritter Titel: Betreibung auf Pfändung ; II. Verwertung; B. Verwertung von beweglichen Sachen und Forderungen; 1. Fristen; b. Aufschub der Verwertung
Art. 123 SchKG
Macht der Schuldner glaubhaft, dass er die Schuld ratenweise tilgen kann, und verpflichtet er sich zu regelmässigen und angemessenen Abschlagzahlungen an das Betreibungsamt, so kann der Betreibungsbeamte nach Erhalt der ersten Rate die Verwertung um höchstens zwölf Monate hinausschieben.
Bei Betreibungen für Forderungen der ersten Klasse (Art. 219 Abs. 4) kann die Verwertung um höchstens sechs Monate aufgeschoben werden.
Der Betreibungsbeamte setzt die Höhe und die Verfalltermine der Abschlagszahlungen fest; er hat dabei die Verhältnisse des Schuldners wie des Gläubigers zu berücksichtigen.
Der Aufschub verlängert sich um die Dauer eines allfälligen Rechtsstillstandes. In diesem Fall werden nach Ablauf des Rechtsstillstandes die Raten und ihre Fälligkeit neu festgesetzt.
Der Betreibungsbeamte ändert seine Verfügung von Amtes wegen oder auf Begehren des Gläubigers oder des Schuldners, soweit die Umstände es erfordern. Der Aufschub fällt ohne weiteres dahin, wenn eine Abschlagzahlung nicht rechtzeitig geleistet wird.
Gerichtsentscheide zu dieser Bestimmung (94)
A/269/2025 · ge (art. 123 LP)
Creditor Challenge to Suspension of Forced Sale of Seized Real Estate
The appeal was partially admitted because the Office failed to properly assess the conditions for granting a stay of realization under this article.
A/1038/2024 · ge (art. 123 LP)
Enforcement Office Refusal to Grant Stay on Forced Sale Upheld
Cited as the legal basis for the request for stay of realization whose refusal was appealed.
KSK 2024 60 · gr (Art. 123 Abs. 1 SchKG)
Postponement of Forced Real Estate Sale Upheld
This article forms the substantive basis for granting the deferment of realization, as the conditions for installment payments were deemed met.
KSK 2024 45 · gr (Art. 123 Abs. 5 Satz 2 SchKG)
Appeal Against Revocation of Debt Collection Postponement Due to Missed Payment and Worsened Financial Situation
Although the main reason for the decision was not explicitly cited in the dispositive orders, the reasoning extensively relies on the principle that the suspension lapses automatically if payments are missed, which supports the dismissal of the appeal against the revocation.
PS220207 · zh (Art. 123 Abs. 1 SchKG)
Debtor's Appeal of Liquidation of Inheritance Share Dismissed Due to Untimely Deferral Request
This provision relates to the substantive right concerning the postponement of realization, which was central to the appellant's arguments regarding the lower court's jurisdiction and the admissibility of new requests.
14.2023.3 · ti (art. 123 LEF)
Enforcement Opposition Rejection Appeal Regarding Installment Request
Cited in the reasoning to indicate where the debtor may seek payment deferral facilities (which explains why the court rejects such a request).
A/4030/2022 · ge (art. 123 LP)
Tax Authority Appeals Dismissed Regarding Property Auction Pending Tax Liability Dispute
Cited as the rule defining circumstances under which the Office may postpone the realization of an asset.
105 2023 27 · fr (art. 123 LP)
Stay of Realization Refused Due to Lack of Evidence of Repayment Capacity
This article, concerning the stay of realization upon payment by installments, formed the primary legal basis for rejecting the appeal against the refusal of the stay.
KSK 2022 59 · gr (Art. 123 Abs. 1 SchKG)
Foreclosure Postponement Denial Upheld Due to Lack of First Installment Payment
The court found that the failure to meet the requirement of paying the first installment prevented the granting of the postponement of realization, leading to the dismissal of the appeal.
Plainte.2023.9 · vd (Art. 123 LP)
Property Auction Challenge and Stay of Realization Denial
This provision regulated the request for a stay of realization, which was central to the dispute and the subject of the main appeal conclusions.
Plainte.2023.8 · vd (Art. 123 LP)
Bankrupt Company's Appeal Regarding Stay of Realization Proceedings and Validity of Creditor's Acquisition of Seized Claims
The court confirmed the lower authority's refusal to grant a stay of realization (sursis) based on this article, as the appellant failed to meet the conditions.
PS220180 · zh (Art. 123 Abs. 5 SchKG)
Debtor's Appeal Against Vehicle Seizure Dismissed Due to Untimely Objections and Unsubstantiated Stay Request
Used to confirm that the payment suspension lapses automatically upon non-payment of an installment.
A/2365/2022 · ge (art. 123 LP)
Debtor Challenge to Immovable Property Sale Suspension Terms Denied
The complaint was rejected because the requirements for granting a stay of execution under this article were not met.
A/2219/2022 · ge (art. 123 LP)
Co-Owners' Appeal Against Refusal to Postpone Forced Auction Despite Debt Repayment Offer
The applicants repeatedly sought a stay of the forced sale based on this article, which was central to the merits of the appeal concerning the non-granting of the stay.
ASSLP.2022.4 · ne (Art. 123 al. 5 LP)
Enforcement Seizures Following Payment Moratorium Cancellation for Installment Defaults
Cited in reasoning to establish that the stay of sale becomes void by operation of law if an installment is not paid on time, supporting the partial admission of the appeal regarding certain series.