Negotiating a debt with a creditor

Search for information on the claimants website about possible solutions. It is often possible to negotiate more solutions than are stated there.

Examples

Check the possibility of:

• temporarily lower installments and longer loan period: Check if you can temporarily pay less of the debt. After a certain time, full payments would resume. Payments that fall during the period are either added to the amount later or check whether the loan term is extended

• cancellation of billing and growth costs: See if you can negotiate a reduction or cancellation of billing costs.

• combine loans: Consider the possibility of combining smaller loans to reduce the payment burden and reduce the cost of different loans.

If you cannot negotiate with the creditor, you can get advice from a debtor's ombudman.

Special resources

There are special resources for debts to public sector entities.

• Co-payment debt

  You negotiate co-payments debts with the district commissioners

• Unpaid fees

  You can apply for a payment plan from the tax office

• Fines and court costs
  You apply for extension of the payment agreement with district commissioners

• Student Loans from the Student Loan Fund

  You can apply for exemptions from installments with the Student Loan Fund