Avoiding a payment default entry
A payment default entry (maksuhäiriömerkintä) can make it harder to rent a home, get a phone subscription or apply for a loan for years. You can usually avoid an entry by reacting in time and agreeing on payments before the matter goes to debt collection or court.
You will need
- A list of all your bills and due dates
- Your bank account details and monthly budget
- Any payment reminders and debt collection letters you have received
- A phone and email for getting in touch
Steps
Map out your debts
Put all your bills, amounts and due dates in one table. Mark separately the ones that have already led to a reminder or a debt collection letter.
Open every letter
Contact the creditor
Stick to the agreement
Dispute an unjustified bill
Check your credit record
Get free help
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