We are currently experiencing technical problems with our telephone exchange

This may result in longer response times or difficulties reaching us by phone. We are actively working to resolve the issue and ask for your patience. In the meantime, you are welcome to write to us via My Pages.

Debt Restructuring

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.