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:
Contact us if you have questions
If there is anything in the decision that you do not understand or that you have questions about, please contact us.
You can appeal
You can appeal our decision. In that case, a court will review your case.
You can reapply
Even if your application is rejected, you can reapply for debt restructuring. The justification for why you are not granted debt restructuring can offer you guidance on when it is appropriate.
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. 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.