Get a calculation of how much you can pay

Call us if your salary or wage has increased or decreased or if you have changed your preliminary income assessment.

If you want a new calculation for other reasons, you must send us:

• your completed budget or changes to your previous budget
• documentation of all income in your household, for example B-income or maintenance payments
• documentation of all expenses in your household, for example bills for housing expenses or expenses connected with chronic illness or disability.

We will contact your cohabitant after you have submitted your application. We do so in order to obtain permission to collect your cohabitant’s data from the public systems.

Follow the guidance in budget form 51.054.

That is not certain. When we calculate the amount you can pay, we are actually calculating the amount you have at your disposal. This amount determines what you can pay on your debt after your fixed expenses have been paid.

You must pay:

• More if you have a larger amount at your disposal. This may be the case if, for example, you have a very low rent.
• Less or nothing if you have a lower or no amount at your disposal. This may be the case if, for example, you have large medication expenses.

You must provide documentation to enable us to calculate what you can repay on your debt. Our assessment of what you can afford to pay each month is based on the finances of your entire household. You must therefore document the income or expenses that you think we have not taken into account.

We calculate what you can pay each month by deducting some specific fixed expenses from your household’s income. We most often include:

• reasonable housing expenses
• expenses for children
• documented special needs
• instalments on your debt to public authorities
• instalments on debt for necessary household effects, for example a refrigerator
• instalments on your cohabitant’s debt.

We can use your budget for 12 months for our collection of your debt. After 12 months, we will not take new debt collection steps based on the budget. However, we will continue the measures we have initiated within the 12-month period. If your finances change, you may contact us for a new calculation of what you are able to pay.

You can read about how we can collect your debt at the page If you fail to pay your debt.