Get paid by someone who is under debt restructuring

Briefly about how debt restructuring works

A debt restructuring application goes through the following steps:

1. We investigate whether the applicant meets the eligibility requirements for debt restructuring.
2. If the person meets the requirements, we make a decision to initiate debt restructuring. It's a decision on the way to a debt restructuring — not a decision that the person has been granted debt restructuring. The decision states how much the person must start paying. The person is allowed to keep an amount each month for their own and their family's livelihood. What is left must go towards paying the debts.
3. You and all other known creditors (if there is a representative, we primarily notify the representative) receive letters from us. The purpose is for you and others to report their claims. Claims we are not aware of may be lost when we decide on debt restructuring. This means that anyone who does not report their claim does not get paid.
4. We publish the decision to initiate debt restructuring in the Swedish Official Gazette (Sw. Post- och Inrikes Tidningar) on the Swedish Companies Registration Office's website.
5. We do a more comprehensive investigation. It often results in the person receiving a final decision on debt restructuring, but it can also mean that the person’s application is rejected.
6. Once the investigation is done, usually a month or so after the decision to initiate debt restructuring, we will prepare a proposal. The proposal lists the debts included in the debt restructuring, how much you and the other creditors receive and at what times. It also states exactly how much the person must pay and for how long. The applicant gets to consider the proposal.
7. You and other creditors will also have the opportunity to respond to the proposal. If you say no, it is important that you justify why so we can examine the objection. We can make a decision to grant the person debt restructuring even if you said no to the proposal, but you can obviously appeal our decision.
8. You will receive a final decision on how the debt restructuring will proceed.

Report your claim to us

Do you want to get paid by someone who has applied for debt restructuring? If so, you must report your claim to us so that the claim is included in the debt restructuring.

You can send your claims by post or email to us. As a submitter, you can use our service for submitters.

Our services for submitters (in Swedish)

If the applicant is approved

We ensure that the correct amount is paid to you and other creditors. You get paid once a year.

Disbursement debt restructuring

New claim

If you have a new claim against someone who is under debt restructuring, it is not included in the debt restructuring. Then you can apply for an order to pay to have your claim determined.

You want to get paid

Data in EU registers

You can search for information about private individuals (natural persons) and legal persons who cannot pay their debts (are insolvent) in the EU's bankruptcy and insolvency registers. The register is a service on the European e-Justice Portal containing information on debt restructurings, bankruptcies, and company reorganisations (insolvency proceedings).

Bankruptcy & insolvency registers – search for insolvent debtors in the EU

If the applicant is denied

We reject the application if we find that the person who applied for debt restructuring does not meet the conditions. We can do that both before and after we initiate a debt restructuring.

If we have initiated the debt restructuring and the person has paid money, the following may happen:

• If the person had attachment for debts — we distribute the money to those creditors who at the time had claims for attachment.
• If the person did not have attachment for debts, but new or old debts have been submitted to us, we attach the money for the debts. If there is money left, we disburse it to the person whose application for debt restructuring was denied.