The Swedes’ debts to the Norwegian Kronofogden hit a record in 2023. Even if you are not in debt, you can be affected by living with someone who has debts to the Norwegian Kronofogden.
News24 have talked to Davor Vuleta, personal finance spokesperson at the Crown Enforcement Officer, who tells you how you as a cohabitant are affected by your partner’s debts.
The debt adviser’s three tricks – to avoid the Bailiff
This is how it happens when a debt ends up with the Kronofogden
The bailiff’s goal is to ensure that debts are paid. They also aim to intrude on your privacy as little as possible.
Nyheter24 has previously reported on how the Kronofogden does to collect debts. Then they start checking if you have money in the bank. If you don’t have it, they proceed to a wage garnishment. If the authority considers that you can pay off the debt in 12 months, the investigation stops there.
– But if it is not paid in 12 months, then we will move on and then we can come to people’s homes and look for assets. Including cars, carpets, jewelery and more. If the debt can’t be paid then either, we’ll look at real estate, houses and condominiums, says Vuleta to Nyheter24.
Step by step – this is how it happens when your debt ends up with the Kronofogden
Then you are affected by your partner’s debts
The person who is in debt is always responsible for his debts alone, and the Bailiff cannot take money from you who are living together. But you can still be affected by your partner not being able to contribute money to the household.
In addition, there is a gray area when it comes to assets and property.
– If you have a partner who has debts, you have to be careful because it may happen that we seize property because we don’t know who it belongs to. Then it must be proven that it is the partner’s property. It is not infrequent that you read in the newspapers that the Kronofogden has impounded a car that someone has lent. Then we can cancel the decision or appeal and then send it to the District Court and try it.
The item that the Bailiff cannot take from you: “You have the right to a…”
Gunilla Persson’s huge mountain of debt – that’s how big her debts are to the Kronofogden