(edit title) kronofogden Options

[krigeren]

Can you declare bankruptcy in Sweden.

No. Not really.

What you can do is apply for debt releif which allows the applicant, if accepted, to live on a "minimal income" for 5 years repaying the debt then the debt is relieved.

Now...what they do in calculating the minimal income is they also include the spouses income and they take from the spouse who is in debt.

For example,

Debtors Income 940,000 SEK a year.
Debtors spouse income. 1,300,000 SEK a year.

They set a minimum living standard which is a take home pay of about 24,500 kroner a month. What that translates into being is they basically end up taking all of the wife's income (after tax which is well under 40,000 SEK a month) and leave the other spouse to support the family on their income alone.

So...basically they tax the person whose debt it is NOT an extremely high amount.

My wife is career oriented and realistically receives no income for her work. She has been denied debt releif so she is in purgatory. Its rather a ridiculous scenario for the spouse as they end up paying her debt.

A realistic option is to have a divorce on paper and/or me hiding shit in my company (which is legal). I have a solution to the problem..if you really want to know it and are in a similar situation PM me. Basically it boils down to, as my lawyer told me, Sweden like most countries gives alternatives to the well off that are not afforded to the poor thats why you are paying me.

[Nemesis]

Kronofogen exists to collect unpaid debts.

Pay your bills.

[Mo]

"alla ska vara med"

see the other thread

[Caribbean guy/Swedish Gal]

and to think i prob shop and use the same bus service as the OP.

DUDE WOW!!!

[Caribbean guy/Swedish Gal]

krigeren
View Member Profile Send Message Find Member's Topics Find Member's Posts Today, 2:32 Post #9
Joined: 3.Jan.2009

That cracks me up. We may bitch and moan here. But we have it SOOoooo... easy compared to people trying to make it there.

Could you imagine living in Finland and trying to integrate there?

I can't think of a more depressing place in the world to live.

And if we did bitch and moan like we do here the Finns would hunt us down and stab us or invite us to sauna...either choice being equally terrifying.

[krigeren]

Kronofogen exists to collect unpaid debts.. Pay your bills.

Sometimes you write long and intelligent responses or posts. Other times you just spurt out some dogmatic crap.

Probably a sign of the Irish lass trying to climb out of her hard shell and think for herself...but still full of the stuborness and hard headedness of her ilk...not really criticizing..just takes one to know one ;-)

[Nemesis]

Sometimes you write long and intelligent responses or posts. Other times you just spurt out some dogmatic crap. Probably a sign of the Irish lass trying to climb out of her ha ... (show full quote)

Sometimes you write long and intelligent responses or posts. Other times you just spurt out some dogmatic crap.

Probably a sign of the Irish lass trying to climb out of her hard shell and think for herself...but still full of the stuborness and hard headedness of her ilk...not really criticizing..just takes one to know one ;-) ... (hide full quote)

I do think for myself.

If I get a bill I pay it. I leave aside money to cover bills.

People who spend beyond there means should stop and think. You can only do that for so long before you have to pay the money you have borrowed.

I do not get into debt. I don't see the point in debt. I own my properties outright. I know a bit more about finance than you realise.

Kronofogen only comes after people who do not pay bills.

[krigeren]

You want to make and live in a black and white world...fine..so be it.

To reiterate from previous post my wife owned and ran a company the company went bankrupt and some of the loans were co-singed by her personally.

In many Western style democracies one would be able to declare bankruptcy and start over. Not here. The laws are byzantine.

Now in a broader context...if you want to promote entrepreneurship you have to promote the ability for people to take risks. If people know if their business model does not go perfect they end up in a state of indentured servitude to the Swedish crown then this will reduce the amount of people who will become entrepreneurs and play it safe. Sound familiar? Considering entrepreneurs are often the life blood of creativity and change in business climates I am certain, without a doubt there is credence to my arguement. This is incredibly relevant for someplace like Sweden where you have a wealth of talent that is not being allowed to be productive in the labor market often due to the inflexibility of unions here (see note 1) and to an extent the high price for people starting a business on their own if it fails.

Note 1. I am not Union bashing I am Swedish Union bashing...Having studied Danish vs. Swedish employment law where both have unions we see the their is a great deal more flexibility under the Danish system for companies to hire and fire. This flexibility is backed up with a robust social safety net.

[Santos]

Hej Krigeren,

I was reading your words about the kronofogden and you have all reason, I come from Spain and living in this fucking swedish country 2 years, here you only can get snow, ice and alcoholic people. I have the same problem like you, all things that you sayd thats thrue, I never before in all my life had seen a country like this, and I was living in many, many other countrys, the people here its only a fucking number. I am now in the kronofogden, but I don´t give a shit and I don´t think pay nothing of nothing, in two months, I will back to Spain and if one of this guys from kronofogden come to my spanish house, I promise you that they will get a shoot from my shotgun of hunt(fighter), Sverige is the country of the shit where the freedom does not exist and quite this prohibited, and these sons of a bitch believe that they can sink(destroy) my life, hahaha, they are very wrong, Spain, it is not Sweden and there we have other laws, and very different rules, if a guy of this, put the head out of the door or the window of my house in Spain, I can put a shot and I kill any of them, so they do not touch my balls, because them if a try to come it is all that are going to find.

I understand now, why more that the 30% of the people living in Malaga (Costa de sol, Spain) is Swedish people, hundreds of them are living there because this is the country more bored that I visit in all my life, ¿what can you do here? only work and work and work and nothing more, and after that, you have a little problem because you do not can pay your bills and your life its finish for the fuck kronofogden, hahahaha, thats very funny, shit for the fuck kronofogden and best luck next time.

I know, that you with this pots, only was looking for support and any advice, but as you can see, all this people that answer to you, is only swedish people, noone of them will tell you nothing new, her mind its closed and they do not can see nothing more so far of his nose.

Only to say to you that I am with you and that any thing that you need, you have my support.
Regards

[Furu]

what can you do here? only work and work and work and nothing more.

Almost all government offices are closed at 4pm.

Almost all private companies are closed by 5pm.

[Furu]

Its rather a ridiculous scenario for the spouse as they end up paying her debt.

Because Sweden uses a Civil Law legal system.

[Furu]

The debts are from another country.

I just read all your post on this topic and I was thinking why would you move to a country (Sweden) that does not allows personal bankruptcy.

A country with common law system (UK, USA, Canada, Australia and NZ) would have allowed you to declare bankruptcy and you would have been discharged after certain number of years.

[Kaethar]

Krigeren's crusade against Sweden is finally explained! I'll just ignore him from now on then.

Rant rant

Mmm... ok. I hope you moved back to Spain already.
And there's a very good reason why Swedish pensioners move to Spain - the climate.

[VikingHumpingWitch]

Interesting thread.

I don't mind Kronofogden's existence, it seems reasonable to me that people should pay their debts (even if Krigeren finds it a barbaric idea as hideously awful as not getting a tax allowance for his lifestyle choices). I can also understand why married couples are jointly liable, married people generally do combine their incomes.

The thing that sucks donkey dong about Kronofogden, which to their credit they also want to change, is the black marks ruining your credit for years after you've paid it off. If you've paid all you owe plus a fine that should be the end of the matter. I'm sure this must breach some kind of EU law about proportional and reasonable punishment.

[Keithy]

Look at you, with all your 'back on The Local, posting after a long break'...and stuff.