Right now, many households are struggling to make ends meet due to high interest rates, large food costs and, not least, fuel costs.
A recent report from the Kronofogden shows that the Swedes’ total debt amounts to a record high of SEK 119 billion. The report also shows that the main increase in the amount of debt has occurred between the ages of 35 and 44, where debts have increased by 30 percent.
– This is the group that may have borrowed a little extra, had a good time with low interest rates and more. Then it became more expensive for everyone, says Davor Vuleta, personal finance spokesperson at the Crown Prosecutor, to News24.
Here live those with the most debts to the Crown Enforcement Officer: “A vicious spiral”
Can the Bailiff take my possessions?
The bailiff’s task is to ensure that debts are paid. If you have a debt that ends up with the Crown Enforcement Officer, they will start an investigation to see how you can repay it.
– We must intrude on privacy as little as possible and use coercive means as little as possible.
Valueta says that the authority first checks whether there is money in the bank that can be used to pay the debt. Next up is a wage garnishment order. This means that part of your income will go directly to the Crown Enforcement Agency and you may keep a reserve amount. It is money that should be enough to manage to pay the rent, food and usual bills.
– If the debt is assumed to be paid in 12 months, then we stop at wage garnishment. But if it doesn’t get paid for 12 months, then we 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 look at real property, houses and condominiums.
The debt adviser’s three tricks – to avoid the Bailiff
The item that the Bailiff cannot take from you
– There are a lot of items that you are not allowed to take. You are protected in Sweden in such a way that you should be able to live a reasonable life. You must keep the basic benefit property as it is called. You have the right to a sofa, you have the right to a TV, you have the right to a bed and more. The ordinary Swedish household must remain.
He then points out that you must not have a TV for 80,000 kroner. Then the Bailiff will confiscate that TV and then you will get a few thousand Swedish kroner back to be able to buy a regular TV instead.
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