Emergency Debt Support for Tenants in Sweden
As a tenant in Sweden, sudden debt can feel overwhelming. This guide for tenants explains what you can do immediately to protect your home, how to contact social services and authorities, which temporary supports may help and when to seek legal advice. We cover practical steps to document your situation, communicate with your landlord and avoid the case progressing to the Enforcement Authority or the Rent Tribunal. You will also find advice on how to apply for emergency social assistance, which documents speed up processing, and how to request deferrals or settlements with creditors. Acting early reduces the risk of eviction and improves the chances for financial recovery.
What to do in an emergency debt situation?
If you have unexpected debts that threaten your housing, start with a clear overview of income and expenses. The Land Code governs rental relationships and may affect your rights in urgent situations.[1] Contact social services in your municipality for emergency financial support and advice.
- Contact social services or your municipality (contact).
- Apply for temporary financial assistance or housing allowance (rent).
- Document income, terminations, collection notices and receipts (document).
- Inform your landlord in writing and propose a repayment plan (notice).
- Respond immediately to messages from the Enforcement Authority or the Rent Tribunal (eviction).[3]
When the landlord reacts
If the landlord sends a demand or initiates termination, it is important not to ignore the message. The Rent Tribunal handles disputes and applications regarding security of tenure and other rental issues, and you may need to submit documents or applications there.[2] Always try to document all communication in writing and keep copies of receipts and letters.
Frequently Asked Questions
- What happens if I cannot pay the rent?
- The landlord can demand payment and ultimately terminate the lease. Try to negotiate and apply for support as early as possible.
- Can I get a deferral or repayment plan?
- Yes, the landlord can agree to a repayment plan and social services may provide temporary financial assistance depending on your situation.
- When should I contact the Enforcement Authority or seek legal help?
- Contact the Enforcement Authority if you receive a payment order and seek legal advice early to understand your options.
How to
- Gather documents: pay slips, rent statements, collection notices and communications (document).
- Contact social services and apply for emergency financial assistance (contact).
- Write to the landlord and propose a concrete repayment plan (notice).
- If a dispute arises, apply to the Rent Tribunal or seek help from advisory services (eviction).
Help and Support / Resources
- Land Code (Chapter 12, rent) — riksdagen.se
- Rent Tribunal and court services — domstol.se
- Enforcement Authority – enforcement and collection — kronofogden.se
