Help Kronofogden , gambling addiction , debts and others

[Giumustang69]

Hi lånforum members, I'm writing yo get some advice in this heavy problem I'm going true.

I'm a gambling addict and have around SEK 500,000 in debt with 6 different sms loans companies and 1 Norwegian bank.

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I know that I will go to the kronofogden because im not able to pay the SEK 17,000 monthly payments of only debt without counting my life expenses and rent.

I have a fast job and ear around 30.000 kr mostly, around 23.000 after skatt .
my rent is around 8,000 and and could say my monthly expenses go around 6,000 with food, phone, ensure and others.

I
My questions is how will kronofogden will work ? I have different debts with different companies so I want to understand how to get the best result .

i went to budget och skuldrådgivare and the lady to helped me said just stop paying and get over to kronofogden. Then try to apply to a skuldsaldering or a payment plan .

what I want to know is how much time will take to get kronofogden mark ?
I ask because I want to save as much as I can before the kronofogden starts to take my salary.

I hope I can get some info

 

[LånaUtanPapper]

Once you release all your debts you dont need to do anything. They will automatically reach kronofogden after about 4 months. Than you recieve papers you have to sign, more waiting and more papers to sign. (which you can do at kronofogden online if you log in once you recieved the papers/kivra). If you wait until last minute to sign all the papers needed i think you can get away for about 7-10 months before they start taking your salary from the moment you release your debts. But make sure to buy whatever you need or hide the money in the meantime if you dont want them to take it, because Kronofogden cleanse your bank account when utmätnings starts if you have saved money in the bank account.

I dont think its the worst case for you though if you actually save 100k for 10 months and Kronofogden use it to pay on your debt.

Its also vital to stop gambling/taking new loans and credits and have a breaking point of bad behavours to get skuldsanering (Stop gambling and taking loans anyway or you never get out of debts), you apply via budget och skuldrådgivare, so you have to visit them again. But im not sure if 500.000 with 30.000 SEK salary is enough to get approved for it. There is a chance that kronofogden say that we take your salary for 10 years and than you are debt free, but it does not hurt to apply for it and its free.