Here you find the most frequently asked questions regarding debt collection
If you have received a letter from us, please rest assured that we will do our best to help you, and our administrators can also advise you on how to deal with a difficult debt situation.
I have received a debt collection demand. How do I pay the debt?
Follow the instructions that are outlined in the letter.
You can also log into MyGothia at any time to see details of your debt, PlusGiro number, OCR number, creditors and much more.
You are always welcome to contact us if you have any questions or need help.
I don't know how much my debt is. Where can I see the details?
On MyGothia you can get an overview of your current debt collection cases at Gothia. You can also contact us by phone to get more information and discuss your cases. Contact us
I am unable to pay everything at once. Is it possible to arrange a payment plan?
In most cases, we can help to arrange a payment plan. Please contact us and one of our administrators will arrange a plan with you. Contact us
What happens if I don't pay? Will I get a non-payment record?
No, with a single debt collection demand, you will not receive a non-payment record.
However, if you do not pay before the due date of the debt collection demand, the case may be submitted to Kronofogden (Swedish Enforcement Authority) who will initiate a payment order, which may result in a non-payment record in the long term.
We have compiled some FAQs about the debt collection process and what happens if you do not pay your debt. What happens during debt collection?
I have received a letter from Kronofogden. What should I do?
The debt collection process and options available to you will depend on the type of case the letter is referring to. Therefore, it is important that you read the letter carefully. If you have any further questions, we will be happy to help you.Contact us
Hvilken rentesats betaler jeg? Hvad er renter?
As a debt collection company, we have no influence over the interest rate; it is based on the original agreement with your creditor. If no agreement exists, the local laws applies.
You can log into MyGothiato see details of your debt and the accrued interest.
Why have I received a debt collection demand when I have already paid the debt?
It can take between 1 to 3 business days before your payment appears in our system. To view the status of your case, please log into MyGothia.
If the payment is registered on the same day or later than the date of the debt collection demand, you will be liable to pay any expenses incurred as well as the interest. If your payment was late, it is possible that the case has moved on to the next stage in the process and we therefore ask you to contact us.
If you have made a payment and we still cannot see it in our system, we ask you to send us a proof of payment from your bank. The information required is:
- Beneficiary account (PlusGiro/BankGiro)
- OCR number
- Amount
- Date when the payment was made
What do I do if I wish to help a relative or friend?
We abide by confidentiality, so we must obtain a written or oral power of attorney from the person whom the case concerns. Once this has been done, we will be happy to help you.
I believe my case to be incorrect. What do I do?
If you wish to dispute a case, you must contact us immediately to explain why you believe your case to be incorrect. We will look into your case by contacting the original creditor to check your claims, and then we will get back to you. During this time, the debt collection process is suspended.
If the dispute cannot be resolved, the matter may be submitted to the District Court for a ruling.
We have compiled some FAQs about the debt collection process and what happens if you do not pay your debt. What happens during debt collection?
I wish to not receive further letters from you. How do I stop receiving these letters?
So long as you have unpaid debt registered with us, we will continue to send letters to you. You will receive these letters regardless of whether you wish to receive them or are able to pay the debt. If you need help in settling your debts, please contact us and one of our administrators will arrange a payment plan with you.
How does Debt Collection work?
For many people, receiving a debt collection demand may be an unpleasant experience, and it is not always clear what it entails. Therefore, we have compiled some FAQs about the debt collection process and what it entails.
What is debt collection and why did I receive a debt collection demand?
Debt collection is an action taken by one party against another party in order to get a debt paid.
The first step to a debt collection demand is that you have not paid your debts despite reminders. The number of reminders varies from company to company.
Often, the creditor chooses to file a claim at a debt collection agency instead of trying to recover the debt themselves. The debt collection agency then sends a debt collection demand to the debtor, which entails additional charges. The money must be paid to the debt collection agency, and not to the original creditor, by the due date stated in the letter.
We proactively work to help you get out of your debt situation and on top of your finances.
Do I get a non-payment record as a result of a debt collection demand?
No, with a single debt collection demand, you will not get a non-payment record.
However, if you do not pay before the due date of the debt collection demand, the case may be submitted to Kronofogden to initiate a payment order, which may result in a non-payment record in the long term.
If you need help in settling your debts, please contact us and one of our administrators will arrange a payment plan with you.
When will the case be handed over to Kronofogden and what happens next?
If you do not pay your debts despite the debt collection demand, an application for a payment order may be submitted to Kronofogden to settle your debt. In such cases, you will receive a letter from Kronofogden which you have to sign.
If you accept the debt and intend to pay it, you should contact us for the current payment amount and payment details. When full payment has been received, the claim will be revoked from Kronofogden on condition that no ruling has been issued.
If you wish to dispute the debt, you should do so in writing to Kronofogden. The case may be forwarded to the District Court.
If you are served by process and the debt is neither contested nor paid, Kronofogden will settle the debt by a ruling. A non-payment record is then registered with the credit bureaus.
What is a payment order?
A payment order is a way of claiming payment from the debtor, and is done by making an application at Kronofogden. It is a way for the claimant to get the debt paid. If the debtor does not dispute the payment, the application results in a ruling, which then forms the basis for Kronofogden's work to get the debt paid.
Can I take out a loan despite having a non-payment record?
Neither we nor Kronofogden issues non-payment records; it is the credit bureaus that list them in their files.
A non-payment record remains active for three years for private individuals and five years for legal persons. Legal persons are also given a non-payment record during the application for a payment order, and this remains active for two years. A non-payment record remains active for the relevant duration regardless of debt repayment. A non-payment record is an indication that financial commitments have not been respected, and it can affect future loan and credit applications.
What is a debt relief order?
A debt relief order is a means by which severely indebted people can reduce their debt to a manageable level that enables them to pay the debt within the foreseeable future. Kronofogden is responsible for determining whether a person is entitled to a debt relief order.
Please avoid creating new debts while a debt relief order is in place as these are not included in the debt relief order and must be paid in full. If new debts are created, Kronofogden may seize your salary to pay for the new debts. Such a situation can make your debt relief order difficult to manage. Creditors can also apply for the cancellation of a debt relief order.
How can I help you?
If you need help to get in control of your debts, please contact us, and one of our handlers will together with you find a payment plan that works for all.