A rejection can occur both before and after we initiated a debt restructuring. The following may happen if we deny you after you have initiated your debt restructuring:
Read the rejection thorougly
The justification for not getting debt restructuring can give you guidance to what you need to adjust in order to reapply. If you do not meet the requirements for debt restructuring, you may need to resolve your situation in other ways.
Find out more and seek help
Dare to talk about your financial problems, find out more, and seek help. You can get free help with your finances by the budget and debt adviser in your municipality. The adviser can help you with a variety of things, such as appealing a refusal or finding other solutions for your finances. You can find more information and contact details on the Hello Consumer website:
You can do a lot yourself
Make a budget of your income and expenses. See if there are costs that you can give up. You can use the Swedish Consumer Agency’s budget calculation:
Good to consider
Contact those to whom you are indebted. Ask if they can create an instalment plan or renegotiate the terms and conditions, such as interest-free months.
Investigate whether you can pay off the principal first and then interest and fees.
If you have something to sell to raise money and pay off the debts — do so.