If you are not granted debt restructuring

If you do not meet the requirements of debt restructuring, we will reject your application. You get an explanation as to why you are denied.

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:

If you did not have any debts subject to attachment with us at the time of initiation, you will get back the money you have deposited.
If you had attachment for debts when the debt restructuring was initiated, we will distribute the money to the creditors in your attachment.
If you did not have attachment for debts at the time of initiation, but new or old debts have been submitted to us, we attach the money for these. If there's money left after our attachment, we will distribute them to you.

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.

If you think the decision is wrong

You can apply for the court to change the decision if you think it is wrong.

What to do

You apply by sending us an email or letter within three weeks from the date of the decision. Write

the number of the decision and your contact details
that you want to apply for re-trial
why the decision is incorrect and in what way you want to change it.

Sign the re-trial yourself or through a representative.

We will send your application to the court. The court does not charge a fee when you apply for re-trial.

Your creditors can apply

Your creditors can also apply for re-trial if they think the decision is wrong. They have to apply within three weeks from the date of the decision.

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:

Get help with budget and debt issues

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:

The Budget Calculation (in Swedish)

Good to consider

First pay the most important bills, such as your accommodation, electricity charges, comprehensive household insurance.
Unemployment insurance fund fees, and the like.
Make a list of all your debts and pay what you can.

Be active

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.