Both you and those who want to get paid (your creditors) can apply to have the debt restructuring changed. This can happen if your finances worsen or improve. Then we review the debt restructuring.
Minor changes to your finances, such as annual wage increases or rent increases, can cancel each other out. You should manage this by planning your finances and making use of your reserve amount, buffer, and payment free months.
The e-service and the form is in Swedish.
Review of debt restructuring — application from you who have debt restructuring (in Swedish)
If you become worse off financially, you might not be able to pay the way you're supposed to. Then you can apply with us to have the debt restructuring changed so that you can pay less.
You can apply for review by form, e-service, or email. There is no requirement for the application for review to be signed.
We can grant a review of the debt restructuring if your finances have changed greatly. As a general rule, this means that you must have SEK 500 less per month for at least three months.
In case of minor changes, your application for review may be rejected.
If you receive a rejection, your debt restructuring continues as before and you must comply with previous decisions.
Do you want to know how long it will take us to process your case?
You can calculate how much you are able to pay now and compare with your decision.
Keep in mind that the service does not take your buffer into the calculation, you have to deduct it yourself. You can see your buffer in your decision.
If your finances improve greatly, creditors may want more or you want to pay more yourself.
We can grant a review of the debt restructuring if your finances have changed greatly (significantly). As a general rule, you should keep at least SEK 4 000—5 000 more per month. But we can do a review even if there are minor changes. We can do this if it is early in the debt restructuring process or if we have recently decided to reduce the amount you pay each month.
You can apply for review by form, e-service, or email. There is no requirement for the application for review to be signed.
If the creditors apply for a change, we can extend your payment period. We do not do so, however, if you are the one who applies for the change.
Your debt restructuring can be extended to a maximum of seven years or five years for entrepreneurs.
In some cases, those you owe money may apply for your debt restructuring to be terminated early (cancelled). This applies, for example, if you
If your debt restructuring is terminated early (cancelled):
You will find more information about what can happen if you don't pay according to your payment plan.