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Finally realized I ruined my life and I want to fix it. Letting everything go to Kronofogden or keep fighting.

needhelps

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För att i min enfaldiga värld bör vissa kriterier uppfyllas innan man skuldsätter sig i ett annat land (nu handlar det verkligen inte ens om ett husköp, utan om att låna hundratusentals kronor för att spela), och ett av dessa är språkkunskaper.
I think you misunderstood when I said that language was a bit hard for me, I am talking about process at Kronofogden and I am trying to find as much information as I can to solve my problem correctly and I am feeling a bit overwhelmed with information I have read and that I want to understand and see if anything can confirm or explain them more clearly to me .

I worked in Sweden for years and I do have a citizenship. I used enough Swedish in everyday life but all of this is very complex situation and I decided to write them here in English just to get myself in a bit of comfortable feeling instead of anxious about writing my questions in Swedish correctly.

I don't blame the language about why I am in so much debt or how I am screwing over my life. I didn't know that just a fun poker game one night would lead me into this.
I can only blame myself and try to fight like hell to get out of it. I had a good stable life, good financial , good home and a job that I love. Now I am about to lose everything.
All I can do is just keep moving.

Language has nothing to do with my debt. It is all me.
 
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För att i min enfaldiga värld bör vissa kriterier uppfyllas innan man skuldsätter sig i ett annat land (nu handlar det verkligen inte ens om ett husköp, utan om att låna hundratusentals kronor för att spela), och ett av dessa är språkkunskaper.
Fler kriterier än språkkunskaper? Förutom det som är brukligt vid en normal kreditprövning.
 

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Good that you understand your situation. Have you talked to your partner yet?
It would be really good to do that. Having KF knocking on your door is not nice if you are not aware of the situation. Also maybe you could get some help from that direction.

After KF did some investigating of your assets (they need to establish that themselves) most likely you will get 'löneutmätning'. Thinking of you total debt, it will take many years to become debt free as your salary is very low. I do not know if they have the possibility to access your freelance income though.
Even with a big loan or a few big loans, the installments will be huge for your total debt. I would definitely ask my partner for help.
 

Egon

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För att i min enfaldiga värld bör vissa kriterier uppfyllas innan man skuldsätter sig i ett annat land (nu handlar det verkligen inte ens om ett husköp, utan om att låna hundratusentals kronor för att spela), och ett av dessa är språkkunskaper.

Lånevillkor tillhandahålls även på engelska. Likaså villkor för spel på casino.
 

Kronofogden

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Fler kriterier än språkkunskaper? Förutom det som är brukligt vid en normal kreditprövning.
Det är med lån som med mycket annat. Ju färre band man har till Sverige, desto större risk att man drar härifrån när det kniper. Jag är inte insatt, jag bara tycker att det känns fel. Jag tycker också, kontroversiellt nog, att det ska vara knutet till ett medborgarskap, som i sin tur bör ges ut till individer som behärskar svenska (gäller ej asyl/PUT).
 
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Stibium

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Jag har en kompis som är född här, har bott här i hela sitt liv, men är tysk medborgare. Inget lån, där alltså?

Språkkrav kan vara en bra idé, men med tanke på hur det skrivs runt om på "det världsomspännande datanätverket internet", så skulle en stor del av etniska svenskar troligen inte få något medborgarskap.
 

onetwo

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Hi. I don't know how I ended up here. My life was good until the pandemic hit and one day I was bored. I saw casino ads. I thought yeah why not? Just a few hundred kroner for fun. Before I know what I have done. I screwed over all my savings, took every loan possible to cover my ass until I couldn't, relapsed and borrowed even more and spent the whole salary on it. Then had to get a shitty loan to cover those. I was in denied. I don't open letters that I got from debt collection or any loan companies. Whatever pennies I had I spent on 'hoping that one big win will solve this ' I have anxiety and couldn't sleep longer than 4 hours per day. It affected my job and my relationship with my partner and family.

February 2023, My total debt is a little above 1 million. I finally see that I am really hitting the bottom and I want to solve it. A lot of loans went to collection already and couldn't really keep up with payments. I spent 3 months trying to find extra work which I finally found it and it will be bring me 10-16k extra (After tax) my current income after I applied for tax adjustment landed at 24k after tax .

Right now, I made 2 plans but I am not quite sure if it is the right thing to do and I don't quite understand the process of everything. I got really overwhelmed with the languages and information and it makes me feel really anxious and a panic attacks a few times.

Plan 1 try to catch up payments even a few already in Kronofogden and collect with 2nd job but not declare tax on them yet.
1. I have a freelance job outside Sweden which I can cash in money directly into my bank account. If I don't go through the company that takes care of tax for me before transferring me money, I can cash out about 25-35k. Is it possible to do that and declare income later next year? In the hope that I will be able to catch up with all payments and lower my monthly cost down until then.
2. 1. Currently, I have 1 case that the Kronofogden already made a decision that I have to pay about 12k, I tried to call debt collection to make a new installment but they refused. the deadline is 29th May, If I can't pay that amount, What's happened?

Plan 2 Let everything go to Kronofogden but I honestly feel scare. I tried to read as much as I could with google translated and my mediocre Swedish and I still don't completely understand the time line of a whole process .
1. If I let everything go and not calling for settling with any of them. What's next?
2. How long does it take after the Kronofogden made a decision that I need to pay and I cannot pay to the next step
3. I live in a house with a partner, I did not co-own it, Basically I live there for free and we shared the bills, Will this effect him some how?
4. Will they come to our house to look for things when I don't owe anything at all, Can this step be skipped and go directly to wage garnishment?
5. What can I do about it before all of this happens and how long do I have before that
6. I know I can not get debt settlement yet because my debts are very recent and It will takes sometimes before I can apply for it since I just quit gambling on February 2023 .

I know my questions are very scattered and not short or very on point but anything I can get advice from this, I am much appreciated it
February 2023 , When I hit my rock bottom was that my mother was very sick back in my home country and I could have used the money to fly home but I spent every penny on poker, in the hope of getting a big win and solving all of this. So I couldn't go see her because of that. She could have died and I wouldn't be able to say good bye. That's when I realized that I treated my life for granted and I am a useless piece of shit. I was wanting to just die and end it all instead of facing reality but I can't die, Not after my brother already died and my mom only left me.

I started to attend support group online and going through therapist to help me cope with anxiety and depression.
I want to fight this and I want to come to the other side of this.

Thank you very much.
Income 24k after taxes.?
No assets to speak off.

You are insolvent, don’t think I really need what the debt look like but compared to income it’s very high, hence there isn’t any quick fix to this solution without assistance from spouse or your family.

Not filing taxes on your income I wouldn’t recommend, it’s tax evasion and will probably not help you in long term, will probably also be an issue on debt settlement later on.

Unless you are paid in crypto and perhaps can delay it that manner. But another topic.

To some of your questions,
1. If I let everything go and not calling for settling with any of them. What's next?

Wage garnishment

2. How long does it take after the Kronofogden made a decision that I need to pay and I cannot pay to the next step

Can be everything from 2months to almost a year, but if they run it efficiently I would say 2-3 months.

3. I live in a house with a partner, I did not co-own it, Basically I live there for free and we shared the bills, Will this effect him some how?

it will if they visit to claim things in your home.

4. Will they come to our house to look for things when I don't owe anything at all, Can this step be skipped and go directly to wage garnishment?

You can’t skip it, they didn’t come to my house. Pretty much took my word when I said I own nothing of value sold everything.

was true, still own nothing :)

5. What can I do about it before all of this happens and how long do I have before that

Save money, stop paying lenders.

6. I know I can not get debt settlement yet because my debts are very recent and It will takes sometimes before I can apply for it since I just quit gambling on February 2023
 
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