When the debt restructuring is over, credit reporting agencies must delete your records of non-payment.
My debt restructuring
If you have a decision, you can see the status of your debt restructuring in the e-service My debt restructuring. You can also see when your debt restructuring is expected to be completed.
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.
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
Objection (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.