After decision on debt restructuring

A debt restructuring is valid for five years from the decision on initiation, even if your payment schedule is shorter.

When the debt restructuring is over, credit reporting agencies must delete your records of non-payment.

Review of your debt restructuring

If your finances improve or worsen, you or the people who are to be paid (the creditors) can apply for review of your debt restructuring.

Application for review of debt restructuring

If you do not pay as you should

If you do not pay according to the payment plan, we will send you a reminder. Each quarter, we also send out a notice to your creditors that you have not paid.

If you get a reminder, you should catch up with your payments as soon as you can.

Have you received a reminder despite having paid? If so, please contact our customer service.

If you do not pay according to the payment plan, your creditors may apply for us to stop (cancel) your debt restructuring.

How to pay in a debt restructuring

Claims and debts after the decision

You should avoid incurring new debts, so try to pay if you can. We cannot add a debt you incur during your debt restructuring.

Even though you have received a decision on debt restructuring, a creditor may demand payment, meaning apply for an order to pay, with us. You might also receive a letter from your creditor because they want to notify you that the debt exists or has changed owners. If you are unsure, feel free to call the creditor to hear why they have sent you a letter.

Claim for payment following decision

If you receive a claim for payment that you disagree with, you must object to the claim. For example, one reason for objecting is that the debt is part of your debt restructuring. If you do not object, we can determine the claim through a decision (verdict).

If the claim is determined, the one who wants to be paid can apply for our help in collecting the debt.

This is how you object

You object by writing to us that you object and why the claim is wrong.

You do this in one of the following ways:

  • on My Pages
    My Pages (in Swedish)
  • on the acknowledgement of receipt in the claim letter
  • in an email
  • in a letter.

It is important that you object in time — the deadline for responding is stated in the claim letter.

Claim for debt collection following decision

A person who wants to be paid (the creditor) can apply for our help in collecting a debt. This may happen despite the fact that the debt is included or has been included in your debt restructuring and even though you have received a decision on initiation or a decision on debt restructuring. If that happens, you must object to prevent attachment.

This is how you object

You object by writing to us that you object and why the claim is wrong.

You can do this in one of the following ways by:

  • telephone
  • an email
  • a letter.

There isn't a time limit on when you can object, but if you don't object early, it's harder to get back money that we've had time to attach and distribute. If you object when the money has been disbursed, you must appeal to court.

The person under debt restructuring dies

If the person who has debt restructuring dies, the obligation to pay under the payment plan remains. If there are assets in the estate, the creditors are entitled to payment from the estate. Relatives of the deceased do not inherit the debt.

If there is a larger amount in the estate, you should contact us for advance payment.

If the estate lacks assets — please contact and notify us. Do not forget to state the personal identity number of the deceased.

Remember

The information that the deceased person has debt restructuring shall be recorded in the estate inventory.

If you have questions about how the estate inventory should be done, please contact the Swedish Tax Agency.

Estate inventory (in Swedish)