"It is not just the fact that one is in debt. It is a big ball that just keeps growing and growing. It is hard to sleep when you just lay there and worry about what I can do this month to make ends meet," Britt Kjellman, who suffered many sleepless nights before her debts were restructured, tells Swedish Radio News.
If you are unable to pay your debts, the Debt Default Agency may seize your salary, and use part of that income to pay off your debts . The Enforcement Authority seizes assets which result in the least inconvenience and the lowest cost. In principle, attachment of salary cannot go on forever if there are other assets which can be seized. Depending on the size of the debt, it is sometimes necessary to seize both salary and other property.
Some people who have their debts restructured by the Default Agency have previously been forced to pay dozens of different bills every month. It can simplify matters if one is responsible for paying only one bill every month, after debts are restructured.