Frequently asked questions

 

faq

 

Here you can find answers to frequently asked questions about debt collection. If you can’t find an answer to your question, please get in touch!

  • General
    • What does settlement mean?

      Settlement is an opportunity for our private customers to avoid a payment default entry and an enforcement procedure that may arise from collection by legal measures.

      Settlement is possible when the handling of an outstanding debt has progressed to the District Court for judgment. In practice, settlement means that we agree on the payment of your debt in instalments through a settlement agreement, which the District Court confirms as binding on both parties. In that case, the payment of the debt takes place in accordance with a payment plan agreed with you. The settlement will enter into force when the District Court has confirmed it with its judgment. After confirming the settlement, the District Court will deliver to you for information the judgment it has given.

      It is important that you adhere to the agreed payment instalments and due dates, because failure to adhere to the settlement will result in the cancellation of the payment plan. In that case, the remaining debt will become due for payment in full and the debt may be transferred to enforcement without a separate debt judgment given by the District Court.

      Please note! Before you make a settlement, contact the District Court and check that a judgment has not yet been given. If a judgment has already been given, unfortunately it is no longer possible to make a settlement in relation to your debt.

      You can make a settlement in our My OK online service. In problem situations, please contact our Customer Service, tel. 030 10 5620.

    • I received a collection letter from OK Perintä. What should I do?

      There is no need to feel worried or ashamed if you have received a payment reminder or a demand for payment. Talk to us and together we’ll find a solution to your problem. At OK Perintä we are normal people and we want to help you to settle your debts as soon as possible.

      The easiest way is to pay your debt via our MyOK online service. If you have a complaint or your situation seems complex for some other reason, please don’t hesitate to get in touch!

    • Where can I get a copy of the invoice?

      If you need a copy of the invoice, please contact our customer service.

    • How did OK Perintä get access to my information?

      We receive information about our customers from our clients, i.e. companies or private persons who have either submitted an overdue invoice for collection or sold a receivable to us. We can also check, for example, addresses from the population register. We receive credit information from credit rating companies and work with the enforcement authority to find out information about the enforcement procedure.

    • How can I contact OK Perintä?

      You can contact our customer service representatives in several ways. You can call us at normal call rates or text us a call-back request and we will call you back. You can also contact us using the chat function on our homepage or via Facebook.

      Or you can email us or complete the contact form on our website. You can find our contact information and customer service hours here.

    • Can I manage debt collection matters on behalf of another person?

      Yes, you can conduct debt collection matters on behalf of, for example, next of kin, as long as you have the person’s authorisation to do so, i.e. written consent. In practice, this means that if you would like to conduct business with us on behalf of another person of age, you will need a power of attorney. You can use the attached power of attorney template, print it, complete it, sign it and mail or email it to us.

      OK Perintä Oy
      PO Box 442
      65101 Vaasa, Finland
      contactcenter@okperinta.fi

    • The collection letter I received contains a mistake. How can I file a complaint?

      If you have received a payment reminder or demand for payment from us by mistake or if you disagree with your creditor on the collectibility of the debt, you should submit a complaint asap. It is always a good idea to submit a complaint in writing so as to specify all noteworthy matters and to ensure the said matters will also be taken into account in any subsequent handling. Please list all relevant information, providing as much detail as possible, as well as your own views on the matter. Please remember to quote your customer number, which you can find in our letter.

      Please note that we must receive the complaint at the latest by the due date of the letter sent by us. You can submit a written complaint by mail, email or by using the contact form on our homepage.

      OK Perintä Oy
      PO BOX 442
      65101 Vaasa, Finland
      contactcenter@okperinta.fi

    • I have submitted a complaint regarding an invoice before receiving a collection letter. What should I do?

      If you have already submitted a complaint regarding an invoice to the original invoicing party before receiving a letter from us, please contact our customer service as soon as possible to settle the matter. It is likely that the notification of your complaint never reached us in the first place. You would be well advised to also send us a written complaint regarding the matter as this will make it easier and faster to settle the matter after the fact. Please remember to quote your customer number, which you can find in our letter.

      You can submit a written complaint by mail, email or by using the contact form on our homepage.

      OK Perintä Oy
      PO BOX 442
      65101 Vaasa, Finland
      contactcenter@okperinta.fi

    • What does a request for suspension mean?

      If the entire receivable has become due, you have the right to request that the collection be suspended and the case entered in legal enforcement proceedings. The request for suspension must be made in writing and you can send it to us via mail, email or fax. The collection can be continued despite the request for suspension in order to send a bad credit record, limit expiry or otherwise safeguard the creditor’s rights. No fees will be charged for other collection measures carried out after the request for suspension. Please note that voluntary interruption of debt collection has no impact on the costs incurred by legal enforcement proceedings.

    • I have emailed you. How soon can I expect a reply?

      We will reply to your message in 3–5 working days. If you wish to discuss the matter, we’re here to help. You can call us at normal rates. If the matter is urgent or if your invoice is due or even overdue, please call us on +358 (0)30 10 5620. This way, you will get an answer right away.

    • How can I see how much debt I have left?

      The easiest way to check the balance of your debt is to do it on our MyOK online service at www.myok.fi. You can find the login details in the letter we sent you. If for some reason you are unable to log into our service, you can contact our customer service by phone or email to enquire about your debt balance.

    • What is the difference between collection, enforcement and the district court?

      The first stage of collection collection is so-called voluntary collection. In practical terms, this means that if your payment is late and the debt is transferred to us for collection, we will send you the first demand for payment. Once you have received a letter from us, you can negotiate with us flexibly regarding payment of the unpaid debt. We always seek to find the best possible solution. But please remember to contact us before the due date on the demand for payment.

      The district court will enter the frame if the debt has not been repaid during voluntary collection. This juncture marks the beginning of so-called legal collection, which adds legal costs to the debt. In general, we will file an application for summons with the district court and request a decision on the debtor’s payment obligation. Once the case is pending, i.e. the district court has commenced proceedings on the case, you will be served a service of summons. Once you have received the service of summons, you have 14 days to repay the debt in full. Otherwise, the district court will make a decision regarding the case. The district court’s decision will result in a bad credit record in your credit rating, which will make it harder for you to rent a dwelling, get a loan or even get a job. Potential consequences include distraint and garnishment.

      The case may proceed to distraint and garnishment if you do not comply with the decision of the district court. In such cases, we will have to request enforcement by the enforcement authority. An exception to this include taxes and, for instance, certain insurance payments, as they are directly distrainable. Hence, they do not require a district court’s ruling; they can be directly entered into enforcement, if the debt has not been repaid despite the demand for payment. You will be notified if your debt enters enforcement. The enforcement authority can directly garnish part of your salary or other income. The enforcement authority shall also have the right to attach your assets to cover your debt. You can find more information about enforcement at Oikeus.fi.

    • What does a case pending at a district court mean?

      If a debt has not been repaid despite a demand for payment, we can file an application for summons with a district court and request a decision on the debtor’s payment obligation. A pending case means that the district court has commenced proceedings on the case. Once the case is pending, you will receive a service of summons.

      Once you have received the service of summons, you have 14 days to repay the debt in full. Otherwise, the district court will make a decision regarding the case. The district court’s decision will result in a bad credit record in your credit rating, which will make it harder for you to rent a dwelling, get a loan or even get a job. Potential consequences include distraint and garnishment.

    • What does legal collection mean?
    • Will my case be heard during a district court session that will require me to be present in person?

      As a rule, the defendant does not need to be present at a district court hearing. The district court will verify the validity of the receivable, and a large part of the judgments on demand for payment are issued by the court registry. However, if the case is disputed or otherwise unclear, your presence may be requested. In such cases, you will be specifically summoned to the district court.

    • What does the ‘ref’ entry mean and what is its benefit?

      If a bad credit record has been entered in your credit rating, the record will remain in your information for a specific period of time even if you have already repaid the debt in full. The ‘ref’ entry refers to a reference entry in connection with a bad credit record in your credit rating. The ‘ref’ entry indicates that the debt that created the bad credit record has been repaid in full.

      The ‘ref’ entry does not automatically appear in your bad credit record even if you repaid the debt in full. Hence, if you have repaid the debt and want this to be indicated in your credit rating, you must request in writing that the ‘ref’ entry is added to your bad credit record. In order for the ‘ref’ entry to be approved, you must be able to provide proof of repayment of the debt when applying for the ‘ref’ entry. This can, for instance, be a written statement from the creditor. Even though it takes a bit of effort to get the ‘ref’ entry, it is well worth it. The ‘ref’ entry tells lenders that the debt that caused the bad credit record has been repaid, which means that it may be possible, on a case-by-case basis, to get credit, regardless of a bad credit record.

      In some cases, a ‘ref’ entry may also make the bad credit record disappear more quickly from your credit rating. If you have a bad credit record regarding a debt entered into collection with us, which you have repaid in full, and you would like to have a ‘ref’ entry added to it, please contact us. A ‘ref’ entry requires a credible statement regarding repayment of the debt. We will provide you with it free of charge.

    • What is the difference between a payment reminder and a demand for payment?

      A payment reminder does what it says on the box, that is, it’s a reminder that the invoice you have received is past its due date and its term of payment has expired. The invoice has not yet entered collection and a payment reminder will not result in a bad credit record. As long as you pay the invoice by the due date on the reminder, the invoice will not enter collection. For consumers, a single payment reminder will result in a maximum €5.00 reminder fee, which you must also pay. When it comes to companies, the reminder fees vary. Legally, a reminder that incurs a fee cannot be sent until 14 days after the due date on the invoice. A second reminder that incurs a fee can be sent after 14 days of the date the first reminder was sent if the invoice has not been paid by this time.

      A demand for payment, on the other hand, is an indication that the invoice has entered collection. Once you have received a demand for payment from us, you can negotiate with us flexibly regarding payment of the unpaid invoice. We always seek to find the best possible solution. But please remember to contact us before the due date on the demand for payment. A demand for payment usually includes collection fees, which you must also pay. The amount of collection fees depends on the amount of the collected invoice. A demand for payment alone will not create a bad credit record. Only if an invoice is not paid, despite a demand for payment, can it enter legal collection, which may result in a bad credit record in your credit rating.

  • Payment
    • My case is pending in the district court. Can I still propose reconciliation and receive a payment plan or more time to pay?

      If we have already filed an application for summons and the district court has commenced proceedings, the options available to you will be decided on a case-by-case basis. If you still have the possibility to repay the debt in full or even in part, please contact us as a matter of urgency. This way, we can decide together what our options are in this case.

    • Can I pay several instalments of my payment plan at a time?

      Yes, the payment plan allows you to pay several instalments at a time. If you repay your debt faster than planned according to the payment plan, the total amount will be slightly lower because you will save on interest and costs. If you pay several instalments at once, your payment will always be entered on the next instalment. In other words, if you pay two instalments now, you will have paid this month’s instalment and the next.

    • I am unable to stick to my agreed payment plan. What should I do?

      If you have agreed to a payment plan with us, it is important that you make your payments accordingly. Otherwise, we will be forced to demand that the entire amount is paid in one lump sum. That’s why it’s important that you contact us immediately if it looks like you won’t be able to adhere to the agreed payment plan for some reason. This way, we can decide together on the best way to move forward.

    • I want to repay my debt in instalments. Can I make a payment plan?

      We understand that it’s not always possible to pay the invoice we sent you in one go. As our customer, you have access to our OK Payment Plan service, which enables you to make an agreement with us to repay your debt in instalments. You can make a payment plan that suits you best in the MyOK online service. You can find your MyOK credentials in the letter we sent you.

      In some cases, it is not possible to create a payment plan directly via the online service. Our customer service is happy to give you more information.

    • How much does it cost to create a payment plan?

      The price of a payment plan is €20.00–50.00, depending on the amount of debt and the number of instalments. You can find a table of our payment plan service rates here. An exception to this are directly distrainable receivables, because for them, the price of the payment plan service is always €20.00, regardless of the amount of the debt. It is also worth considering that expenses and the interest on arrears, which are calculated until the entire debt has been paid off, increase the debt and have an impact on the number of instalments and their amounts. In practice, the sooner the whole sum is paid off, the lower the expenses and interest.

    • How soon can OK Perintä see my payment? How can I confirm that I have paid?

      If you make a payment using the MyOK online service, the payment will be registered in the system within approx. five minutes. Payments made using online banking typically take between 1 to 3 working days to register. Once the payment has been successfully registered, your active balance on MyOK will be reduced by the corresponding amount.

      If a payment you have made using online banking does not register on MyOK within 3 working days, please contact our customer service. In this case, be prepared to provide us with the exact payment details. You can sign into MyOK, where you can repay your debt and view your balance, here.

    • I have already paid the invoice to the original creditor but I still received a collection letter. What should I do?

      If you have already paid the debt to the original creditor prior to receiving our letter, please contact us to settle the matter. In this case, be prepared to provide us with the exact payment details.

    • Is paying in MyOK safe?

      Making payments in MyOK is secure. We use the Finnish Paytrail online payment service for payment forwarding. The company belongs to the global Nets Group. Nets is an expert provider of payment solutions, data services and digital security solutions. If you make a payment via your online banking service, please remember to use a reference number.

    • Why can I not move a due date in MyOK?

      You can only move a due date at specific stages of debt collection. If you cannot propose a new payment date for your debt in MyOK, this is most likely due to the collection stage. Please contact us and we will find out if it’s possible to move the payment date of your debt.

  • Credit rating
    • Will the bad credit record be removed once I have paid the debt in full?

      The bad credit record will not be removed even if you have paid the debt in full. However, you can request that a ‘ref’ entry be added to your bad credit record. The ‘ref’ entry indicates to the party checking your credit rating that the debt that created the bad credit record has been repaid in full.

    • How long will a bad credit record stay in my credit rating?

      A bad credit record arising from a district court decision or enforcement will be visible in the credit rating for 2–4 years. If the debt is repaid in full and there are no new records, the bad credit record will be removed after two years. The consequence of a new record is that the previous record will remain in the register for four years. In some cases, the duration of a bad credit record may be reduced by full repayment of the debt. After you have repaid the debt, you can also request a so-called ‘ref’ entry to be added to your bad credit record.

    • What is a bill of exchange?

      A bill of exchange, also known as a draft, is a payment order used in corporate debt collection. A bill of exchange is subject to the threat of publicity, in other words a bill of exchange can be made public, i.e. protested, if the debt has not been repaid in full by the due date, including interest. Legally, the use of a bill of exchange is only permitted if the debtor is a company or a private person with a Business ID (such as a farmer). When a collection agency sends a bill of exchange to a company, it will simultaneously notify the company maintaining a credit register. As a result, the payment default will be noted in the company’s credit rating. A payment default notice indicates that the company has not paid an invoice on time. Whilst this will not result in a bad credit record it may have a negative effect, for instance, on the company’s chance of obtaining a loan. Upon receipt of a bill of exchange, a company has 10 days to repay the debt, including interest. Otherwise the bill of exchange will be protested, that is, made public, which will create a bad credit record or a bill of exchange notice in the company’s credit rating. The bill of exchange can be protested quietly or publicly. Quiet protests will only leave a note in the company’s credit rating in the credit register, whereas public protests will also be listed in financial papers. A bill of exchange notice can cause a company problems that are similar to a bad credit record for a private person. For instance, it may be difficult to get a loan if a company has one or several bill of exchange notices in its credit rating. The publication of a bill of exchange can be prevented by contesting it. However, a bill of exchange can only be contested if there are clear grounds on the basis of which the debt that was subject to the bill of exchange is litigious. This would be the case, for instance, if the company has filed a complaint regarding the invoice to the original creditor. The collection of a contested bill of exchange will continue as a so-called extended application for summons in the district court.

    • My invoice has entered the enforcement proceedings – what should I do?

      Debt collection agencies do not perform enforcement proceedings. Once an invoice has entered enforcement proceedings, the case becomes the responsibility of the enforcement authority. The enforcement authority protects the interest of both you and the creditor. The goal is to settle the debt as soon as possible. If the debt is not paid despite the enforcement authority’s payment order, the next step is the garnishment of salary, pension or other income or the distraint of assets. The enforcement authority has the right to realise distrained assets. If your invoice has entered enforcement proceedings, you should directly make contact with the enforcement authority in charge. Check the contact information of your area’s enforcement authority either from the enforcement notification you received or at https://oikeus.fi/ulosotto/sv/index/yhteystiedot/laajattiedot.html

    • Can my employer see my bad credit record?

      As a rule, an employer does not have the right to check an employee’s credit rating. An exception to this rule are duties that demand a particular level of reliability from the employee or which provide an opportunity to obtain illegal financial gains. In many cases, it is permitted to check an employee’s credit rating depending on his/her duties. This could include, for example, duties which comprise granting credit or making financial acquisitions. On the other hand, working as a security guard or performing unsupervised work in private households (e.g. cleaning) could also provide sufficient grounds for checking an employee’s credit rating.

    • Who can see my bad credit record?

      A bad credit record is only visible to persons or companies that check your credit rating. A credit rating cannot be checked without legal grounds or your consent. Every time a credit rating is checked, the company maintaining the credit information register will receive a notification showing who reviewed the information and for what purpose. The grounds upon which a credit rating may be checked are listed in the Credit Information Act. Acceptable grounds include granting credit, drawing up a lease, a guarantee, employee or applicant assessment or debt collection planning.

    • Can my employer see if part of my salary goes directly to enforcement proceedings?

      Yes, because your employer will receive a payment injunction based on which part of the salary must be deducted and paid into the enforcement proceedings. In such cases, your employer will be aware of the enforcement proceedings. Please keep in mind, though, that your employer has a duty of secrecy in the matter. You can find further information on an employer’s obligations in such situations at https://oikeus.fi/ulosotto/en/index/tyonantajanvelvollisuudet/maksukiel…

    • Will a ‘ref’ entry be automatically added to a bad credit record once I have paid the debt in full?

      The ‘ref’ entry will not be automatically added to your credit rating in connection with a bad credit record; you will need to specifically request it. If you have received a bad credit record but you then pay off the debt in full, you can ask us to notify the party maintaining the credit information register so that the ‘ref’ entry will appear on the bad debt record in question. We will gladly help you to obtain the ‘ref’ entry to settle the matter, and we will not charge you for this service.

    • A bill of exchange has caused a protest entry. Can we get the entry removed?

      A protest entry in a company’s credit rating caused by a bill of exchange used in corporate debt collection can only be removed if the entry was groundless in the first place. Once the debt has been repaid, it will be possible to request a ‘ref’ entry to be added to the protest entry to indicate that the debt in question has been repaid in full.

    • When will a bad credit record be entered in my credit rating?

      Receiving a collection letter alone will not result in a bad credit record. A bad credit record can only be added to your credit rating if you don’t pay an invoice despite a collection agency’s demand for payment and the matter is resolved in a district court using so-called legal collection.

      If your case has been pending in a district court, you will receive a service of summons. Unless you pay your debt or contest the case at this juncture, the district court will issue a verdict. The bad credit record is a result of the verdict, and the case may proceed to enforcement.

      You can also receive a bad credit record as a result of enforcement. But even then, the enforcement itself is not sufficient grounds for a bad credit record in your credit rating. However, being found lacking of means is. In some extreme cases, you could also receive a bad credit record without a district court’s decision or enforcement. This can happen, for example, if a consumer loan remains unpaid for more than 60 days. However, in this case, the loan agreement must make a reference to a potential bad credit rating and you must be notified in good time in order to give you the chance of repaying your receivable, thus preventing a bad credit record from being created.

    • What can a bad credit record in my credit rating effect?

      Colloquially, a bad credit record is often referred to as losing your creditworthiness. A bad credit record in your credit rating doesn’t necessarily have an immediate effect but it may create obstacles or make life difficult in the future; from getting a loan to a new mobile phone subscription. That’s why it’s always best to try and find a solution before receiving a potentially bad credit record.

      One side effect of having a bad credit record is that it’s very difficult to get a credit card. Getting a loan or buying items using an invoice or in part payments may also prove challenging. Many landlords also check the applicant’s credit rating before signing a lease. A bad credit history can also have an effect on buying insurance or, in some cases, when applying for a job.

      A bad credit record doesn’t always stop you from, for example, buying a service, but some operators may demand a deposit from persons who have a bad credit history.

  • Collection costs
    • How does interest accumulate in collection and at which rate?

      Interest on arrears begins to accumulate from the due date onwards if the invoice has not been paid by this time and, when the invoice enters collection, it will incur interest on arrears for as long as the collection continues. If a specific due date has not been set, interest on arrears will begin to accrue 30 days after the invoice was sent or its payment was demanded.

      The amount of interest on arrears is 7 percentage points higher than the reference rate set by the European Central Bank. However, in commercial contracts, the amount of interest on arrears is at least 8 percentage points higher than the reference rate set by the European Central Bank. Please remember that the interest may be contractually higher than this. You can find the interest rate applicable to you in the letter you received.

    • Do I have to pay the collection charges?

      According to the law, the collection charges must be paid, if the case has already entered debt collection. What this means in practice is that if you have paid the original invoice before the date on the collection letter, you don’t have to pay the collection charges. However, if you paid the invoice on the same day we sent the collection letter, the collection is deemed to have commenced and, therefore, you will have to pay the collection charges. If you think that you should not pay the collection charges, please contact us immediately to settle the matter. In this case, be prepared to provide us with the exact payment details.

    • What costs does collection incur?

      If the debtor is a consumer, the collection fees are based on the law, which entered into force on 16 March 2013. The collection fees cannot increase with no limits; there is a legal ceiling applicable to them. The amount of collection fees also depends on whether the debt collection is a civil law case or a criminal law case.

      If the debtor is a company, the collection fees depend on the measures taken by the debt collection agency and the work invested in them. For instance, collection fees could include registering the receivable, drawing up and submitting demands for payment, notifications to the credit register, as well as material and salary expenses. The Act on Debt Collection (513/1999) obligates the debtor to recompense the creditor for reasonable collection costs arising from the collection, regardless of whether the receivable is collected by the creditor or by a mandatory on behalf of the creditor.

    • What is interest on arrears?

      Interest on arrears is a consequence of neglecting a monetary obligation. If you do not pay an invoice on time, you will have to pay interest on arrears for the delay period. The purpose of interest on arrears is twofold: to encourage you to pay your invoices on time and to give compensation to the other party if they have not received the payment by the agreed due date.

      Interest on arrears begins to accumulate from the due date onwards if the invoice has not been paid by this time and, when the invoice enters collection, it will incur interest on arrears for as long as the collection continues. If a specific due date has not been set, interest on arrears will begin to accrue 30 days after the invoice was sent or its payment was demanded.

      The amount of interest on arrears is 7 percentage points higher than the reference rate set by the European Central Bank. However, in commercial contracts, the amount of interest on arrears is at least 8 percentage points higher than the reference rate set by the European Central Bank. Please remember that the interest may be contractually higher than this. You can find the interest rate applicable to you in the letter you received.

    • What are the legal expenses?
    • Will an application for summons result in additional costs for me?

      If you haven’t repaid your debt despite our demand for payment, we will file an application for summons regarding the debt with the district court and request a decision regarding the debtor’s payment obligation.

      If the district court states that you are obliged to pay, this will cause you additional costs in the form of application for summons and legal expenses.

      We file the undisputed debt matters mainly electronically, and in this case the legal expenses pursuant to the law are €115–175, depending on the amount of debt, etc. This fee includes the district court’s handling fee of €65.

    • I already paid the invoice before I received your collection letter. Do I have to pay the collection charges?

      According to the law, the collection charges must be paid if the case has already entered debt collection. What this means in practice is that if you have paid the original invoice before the date on the collection letter, you don’t have to pay the collection charges. However, if you paid the invoice on the same day we sent the collection letter, the collection is deemed to have commenced and, therefore, you will have to pay the collection charges. If you think that you should not pay the collection charges, please contact us immediately to settle the matter. In this case, be prepared to provide us with the exact payment details.

  • Enforcement procedure
    • How does the collection proceed?

      If your payment is late and the debt is transferred to us for collection, we will send you a first demand for payment. Once you have received a letter from us, you can negotiate with us flexibly regarding payment of the unpaid invoice. We always seek to find the best possible solution. However, do remember to get in touch with us before the due date on the demand for payment so that we can discuss how you can settle an active invoice in a way that is most suitable for your situation.

      If you haven’t repaid your debt despite our demand for payment, we will file an application for summons regarding the debt with the district court and request a decision regarding the defendant’s payment obligation. This will cause you additional costs in the form of application for summons and legal expenses. The district court will send you a service of summons regarding the case.

      Once you have received the service of summons, you still have 14 days to repay the debt in full. Otherwise, the district court will make a decision regarding the case. The district court’s decision will result in a bad credit record in your credit rating, which will make it harder for you to rent a dwelling, get a loan or even get a job. Potential consequences include distraint and garnishment.

      If your debt has entered enforcement, your will be notified of this by the enforcement authority. The enforcement authority can directly garnish part of your salary or other income. The enforcement authority shall also have the right to attach your assets to cover your debt. If your income is not sufficient for garnishment and you have been found lacking of means, the enforcement authority will return the case to us including a note of lack of means. A bad credit record will be entered in your credit rating at the same time.

      However, it is never too late to repay a debt because once you have settled a debt you can ask us to request that a note be entered on your credit information, which tells a party checking your credit rating that, regardless of the entry, you have repaid the debt in full.

    • How do I know that an application for summons has been withdrawn?

      If you repay your debt in full, we will withdraw the application for summons as soon as the payment is in our account. You can verify on MyOK that your payment has been correctly entered. If there is a problem, you can contact our customer service so that we can verify together that your payment has been received and that the application for summons can be withdrawn.