Glossary
If you believe a decision is incorrect, you can appeal it to a court.
A legal procedure that means a person or company's affairs must be concluded and assets sold so that the proceeds can be distributed among the creditors.
The Swedish Enforcement Authority charges a basic fee in each case for their work. The fee is added when the case is registered in the Swedish Enforcement Authority's register.
If you owe someone money, they have a claim on you. A claim can be synonymous with, for example, a receivable and demand.
Measures to ensure that a debt is paid, such as seizure.
The word confidentiality means a prohibition on disclosing information, whether orally (what we usually call professional secrecy) or by releasing a public document or in some other way. The Secrecy Act describes in detail the situations in which confidentiality applies.
Information from a credit reporting agency about an individual's or company's payment remarks, incomes, and debts. A credit report is often used to assess whether you have the financial capacity to pay a debt or possibly a loan.
You can apply for deferment, which means that you ask for more time to, for example, make a payment. If granted, your due date will be extended.
A debtor is a legal term for when a person or company owes money to someone else. The person to whom you owe money is called a creditor.
A company that, collects debts on behalf of others or for their own part.
The costs that a debt collection agency is entitled to charge for actions aimed at collecting a debt, such as debt collection demands, reminder fees, and the cost of setting up a payment plan.
If you are so indebted that you can no longer pay your debts within a foreseeable time, you can apply for debt restructuring with the Enforcement Authority. If you meet the requirements and are granted debt restructuring, it lasts for five years. A payment plan is set up, and when the debt restructuring is over, you will no longer have the debts included in your debt restructuring.
When a dispute in court is decided entirely according to the plaintiff's demands because the defendant has not appeared or responded to a summons.
The person against whom an application for a payment order or enforcement is directed. The defendant is also the person in a civil court case against whom claims are made.
If you believe that you are not liable to pay or that the claim is incorrect, you can dispute the debt by contacting the creditor or the Enforcement Authority or court if the matter has progressed there. Describe why you believe you are not liable to pay. If the payment claim is correct but you cannot pay at the moment, contact us and we will try to help you with a payment plan.
The creditor and the debtor disagree about something related to the debt. The disagreement can, for example, be about the amount of the debt.
The day your invoice must be paid at the latest. Note that the amount must be received by us on the due date. If the due date falls on a weekend, we recommend that you pay on the banking day before or at the latest on the banking day after to avoid a reminder fee
Effective interest rate is not a variant of interest but a model of explanation. It is a way to show the total cost of a credit or loan. The effective interest rate, therefore, includes other costs that the lender adds to the credit beyond the interest rate, such as invoice fees. The effective interest rate can be based on either a fixed or a variable interest rate.
When a verdict or decision has been established, the creditor has the opportunity to apply for assistance from the Enforcement Authority to ensure that what was decided in the verdict/decision is carried out.
The Enforcement Authority has the power to compel a person to fulfill their duty according to a verdict or decision, such as paying a debt. The Enforcement Authority can hold an executive auction or sale where they sell seized property.
The basis required for the Enforcement Authority to execute its enforcement (e.g., seizure). The basis can be, for example, a court verdict, a decision, a tax decision, or certain private documents.
Payment claims that you receive from the public sector, i.e., debts to the state and municipality, such as taxes, fines, public fees, and student loans.
Legislation that regulates the processing of personal data. In our operations, we are obliged to comply with GDPR, and you as a customer have extensive rights regarding the protection of your personal data.
To act as a guarantor means to promise to pay a debt for someone else if that person does not pay.
A person who has entered into a guarantee, i.e., promised to pay someone else's debt (e.g., a loan) if the borrower does not pay.
Debts with the Enforcement Authority that you owe to private individuals and companies, such as credit card debts, bank loans, and unpaid online purchases.
The cost of borrowing money.
With joint and several liability, each individual borrower is responsible for the entire debt. This means that one person can be required to pay the full amount of the debt, not just their own part.
When a decision has gained legal force, it means it can no longer be appealed.
A confirmation that you have received a summons or a decision. This usually happens by you signing a receipt that you have received the document.
An OCR number is a reference number used to identify a payment via bank giro. You will find it at the bottom of the payment slip or your invoice. It is important that you enter the correct OCR number so that the payment is correctly allocated.
A payment order from the Enforcement Authority is a prompt to either pay or within a certain time object to what the creditor claims. A payment order does not result in a payment remark for you as a private person or sole trader. It does not mean that anyone has determined that you are liable to pay. If you have no immediate objections to the payment order, this will be interpreted as accepting your liability to pay. The Enforcement Authority can then issue a verdict, which in turn can result in a registration of a payment remark in credit reporting agencies' records. Note that the Enforcement Authority also charges a fee for the payment order, and this fee will be added to your existing debt.
If you do not pay your bills on time, you may get a payment remark. This is a record at a credit reporting agency indicating that you have not paid a debt on time and can lead to difficulties in obtaining a loan or renting an apartment. Avoid payment remarks by paying on time or disputing immediately if you believe you are not liable to pay or if the claim is incorrect.
The person in a civil case who makes a claim against another person, who is called the defendant.
A document that gives another person the right to represent you in matters where you are a party. The power of attorney must be signed by the person to be represented, the principal, and the person to represent, the agent. Sometimes the power of attorney also needs to be witnessed by one or two other people.
When the right to collect a claim ceases (consumer claims 3 years, taxes 5 years, other claims 10 years). Actions interrupting the prescription extend the prescription period.
A method of serving a document through advertisement.
A person assigned to perform something on behalf of someone else.
If you have received an incorrect verdict from the Enforcement Authority, you can apply for revocation and suspension.
Assets that the Enforcement Authority can seize from the person who owes money. The assets must belong to the person, have economic value, and be transferable to another owner. The seizure should yield an economic surplus after deducting any costs that may arise.
The Enforcement Authority's decision that something you own should be used to pay your debt. The most common decision is wage garnishment, i.e., money is deducted directly from your income.
A guarantee for the repayment of a loan, such as a guarantee or collateral.
An agreement on payment between the person who is to pay and the one they are to pay. The agreement usually means that the debt is reduced.
A quick and simple way for someone who wants payment to obtain proof that their claim is correct. This proof (verdict) can then form the basis for the Enforcement Authority's work to collect the debt or ensure that the object is returned.
When a matter can no longer be handled within the framework of the collection process, it can be handed over to the district court for legal examination. This happens in cases where the customer has disputed, when we cannot reach the customer, or when there are no conditions for resolving the debt voluntarily. The district court then acts as an independent party and decides the case.
Suspension means that a decision, which otherwise applies immediately, should be awaited and not enforced. A higher instance (e.g., a court of appeal regarding a district court's decision containing a payment obligation) can decide on suspension if it is likely that the lower instance's decision will be changed.
A term for a decision on a payment order or enforcement.