.jpg)
What happens if you do not pay?
If you have trouble paying, here is what may happen and what you can do.
Updated:
Quick summary of each heading on the page
Please note that all forms, digital applications (e-services) and some linked websites are currently in Swedish. Contact Citizen Service if you need help in English.
What can happen if you do not pay
If an invoice is not paid on time, the following may occur:
- Reminder
You may receive a reminder. An extra fee can be added if it was agreed from the start or allowed by specific rules. - Late payment interest
If a due date and interest rate are agreed, these apply. If not, statutory interest rules apply. - Debt collection
The creditor or a debt collection agency can send you a demand for payment. A collection fee may be added. Receiving such a demand does not automatically mean you get a payment default. - Payment order
If you do not pay, the creditor or the debt collection agency can apply to the Enforcement Authority for a payment order. This adds extra fees. You have the right to dispute the claim. - Payment default (credit record entry)
If you do not dispute the claim and the debt is confirmed, you receive a payment default. For private individuals this remains for three years after the debt is settled. - Enforcement (seizure of assets)
Once the debt is confirmed, the creditor or collection agency can request enforcement. The Enforcement Authority may then deduct money directly from your salary or seize assets.
What you can do if it is difficult to pay
Here are some important steps:
- Get an overview
Make a list of all your bills and obligations. Prioritize housing (rent, mortgage, electricity, home insurance) and ensure money for food and medication. - Contact the creditor early
Reach out to the creditor and explain your situation. You may be able to agree on instalments or an extended due date. - Avoid new loans
Do not take new loans to pay old debts – this often makes the situation worse. - Respond quickly to collection or enforcement letters
If you receive a letter from a debt collection agency or the Enforcement Authority, contact them immediately. Acting early is always better, especially the first time. - Seek municipal advice services
The municipal budget and debt counselling service offers free, confidential support and advice.
Do you want to access a specific document? Contact Citizen Service, and we will help you retrieve and read the full document.
Contact
Budget and Debt Counselling
E-mail: budgetochskuld@boden.se
Phone: +46 921 620 00