The Enforcement Authority’s debt restructuring testThe Enforcement Authority’s debt restructuring test
Test if you are eligible for debt restructuring with the Enforcement Authority's debt restructuring test.
Debt restructuring, debtor
Apply for debt restructuringApply for debt restructuring
Debt restructuring is for you who have debts you are unable to pay on your own for the foreseeable future.
We will assess whether your debt restructuring can beginWe will assess whether your debt restructuring can begin
We will review your applicaton to see if you meet the requirements for being granted debt restructuring.
How to pay in a debt restructuringHow to pay in a debt restructuring
It is important that you pay according to your payment plan and on time each month.
Proposal and decision on your debt restructuringProposal and decision on your debt restructuring
The investigation into your finances leads to a proposal on how to proceed with the debt restructuring.
After decision on debt restructuringAfter decision on debt restructuring
A debt restructuring is valid for five years from the decision on initiation, even if your payment schedule is shorter.
If you are not granted debt restructuringIf you are not granted debt restructuring
If you don't meet the requirements of debt restructuring, we will reject your applicantion. You will get an explanation.
Application for review of debt restructuringApplication for review of debt restructuring
Both you and those who want to get paid (your creditors) can apply to have the debt restructuring changed.