Contact the person you owe

Are you struggling to afford to pay your bills? It is important that you contact the person you owe. If you have to prioritise, pay your rent first. Otherwise, you could be evicted.

If you cannot pay immediately, contact the person you owe as soon as possible. Don't wait until the bill is due.

Prepare for the contact

Are you hesitant to contact the person who wants to get paid? You can prepare in the following ways:

  1. Find out what claims and debts you have and who you owe. Even if you only contact one person who wants to get paid, they may want to know what the overall picture looks like.
  2. Calculate how much money you think you can live on each month, and how much you can pay to the person who wants to get paid.
  3. Suggest that you agree on an instalment plan and how it should look.
  4. Make sure you have enough money to pay according to the instalment plan. It is important that it is a realistic plan, or you risk ending up in the same situation as before. This can make it difficult to get a new instalment plan.

If you need more help, you can contact the municipality's budget and debt advisers:

Kommunal budget- och skuldrådgivning (in Swedish)

This is an instalment plan

An instalment plan means that you and the person you owe agree to split the payment into instalments. You need to agree on how much and how often you will pay. For example, you might pay part of the debt every month.

Information it must include

An instalment plan must include

  • details of the person to be paid (creditor) and the person paying (debtor) - name, address, personal ID/company registration number, mobile number, and email address
  • the total debt
  • annual interest
  • monthly amount to pay
  • instalment period - for how long you must pay off the debt
  • signature of both creditor and debtor
  • place
  • date.

May cause the debt to grow

An instalment plan may be an option if you can't pay the entire debt right away. That way, you can avoid a record of non-payment. Read more about records of non-payment on the Swedish Authority for Privacy Protection website.

Payment default records

Keep in mind that an instalment plan may cause the debt to increase. Charges are added and the interest cost increases. This is because it takes longer to pay off the debt.

The person who wants to get paid decides

It is up to the person who wants to get paid to decide whether to agree to an instalment plan. The possibility of getting an instalment plan depends on your situation – whether you have a job, your income, how much you owe, and whether you have other debts, for example.

You can contact the person who wants to get paid (the applicant) to ask for an instalment plan, even if the claim has been forwarded to us. If the applicant agrees, they can withdraw the claim from us. We will then close the case and the claim will not be registered as a debt with us.

Rent instalment plan

It is important that you contact your landlord as soon as possible if you cannot pay your rent on time. Otherwise, you risk losing your rental contract. Ask if you can agree on an instalment plan until you get your finances in order.

See claims and debts

Log in to My Pages to see if you have claims (orders) and debts registered with us.

My Pages (in Swedish)

Who should you pay?

Have you received a letter from us with a claim for payment? If the claim is correct, you must pay directly to the person who requested our help to get paid.

Do you have debts that we have established in a decision (verdict)? If the applicant has requested our help to collect the debt (enforcement), you can pay us or the applicant directly. It is important that you notify us if you pay the applicant directly.

What to do when making payments to us.

Pay the Enforcement Authority

Read more about instalment plans and deferment:

Uppskov med betalning och avbetalning (in Swedish)

For entrepreneurs

Are you an entrepreneur who wants to become debt-free? Read more on the website about what applies to you.

Debt restructuring for entrepreneurs, debtor