How does debt collection in Sweden work?

If you are having difficulties getting paid from a customer in Sweden, you can get help from a Swedish debt collection agency. A debt collection agency in Sweden can easily help you collect the debt or collect payment for a bill. To collect the debt, the debt collection agency in Sweden sends a summons to pay to the customer, informing the customer that he has around 12 days to pay the debt to avoid having the debt sent to the Swedish legal authorities, Kronofogden. If the customer doesn’t pay within the set time limit, the Kronofogden validates the debt, which can then be collected through seizure of salary, real estate or other property. At the same time, the debt collection agency stays in contact with the customer to try to convince him to pay, thus avoiding legal debt collection and a remark in his credit report.

Debt collection in Sweden compared to other countries

Debt collection in Sweden is often very effective, since it is easy for the debt collection bureau to get information on the debtor’s assets. In, for example, Norway, Denmark or Finland, it is not as easy for the debt collection agency to get access to such information, making debt collection harder. Having a remark in your credit report is also not as problematic in these countries as it is in Sweden. Debt collection in Sweden is a combination of the debt collection agency’s efforts and the Kronofogdens power to legally collect money from the debtor.

How do I find a collection agency in Sweden?

There are many debt collection agencies to choose from in Sweden. In ECA, the European Collectors Association, Sweden in represented by Marginalen Inkasso. Marginalen is one of Sweden’s leading debt collection agencies, with more than 30 years of debt recovery in both Sweden and abroad.