skuldsanering

A legal way out for people who are so indebted that they cannot expect to pay their debts within a reasonable time. Kronofogden decides whether you qualify. If you do, you pay what you can afford for a set number of years, living on a reserved amount, and the rest of the debt is then written off.

You apply to Kronofogden, which has an online test to see whether debt restructuring could be possible for you. Your municipality's budget and debt advisers can help you prepare the application for free.

There is a separate form of debt restructuring for people who run or have run a business.