In Switzerland, about three million payment orders are issued annually, and not all are justified. Individuals who receive unwarranted payment orders can contest them through a legal objection known as ‘Rechtsvorschlag’. This process must be initiated within 10 days of receiving the order. The objection halts the collection process, requiring the creditor to prove the legitimacy of their claim in court. This article outlines the steps for disputing a payment order and advises on how to negotiate with creditors.