Debt collection · Sweden

🇸🇪 Your customer in Sweden is not paying?

Goods delivered, invoice overdue, the buyer in Sweden silent. This page explains how a B2B claim is collected in Sweden, how long it takes, and which interest and costs can be charged to the debtor. Incasso Mentor sets up and runs this process on your behalf: we choose the right route, bring in the local specialist, follow every step and report to you in Turkish. You only take the decisions. Information as of September 2026.

Sweden at a glance

The four figures that matter most to a Turkish exporter. Fees and rates change; before any legal step we confirm the current figures with our partner.

Kronofogden
Order for payment (betalningsföreläggande) without court or lawyer; fee SEK 300, objection 10–14 days, enforceable title in 4–6 weeks.
Reference + 8 pts
Commercial default interest (Räntelagen): Riksbank reference rate + 8 points, daily from default.
SEK 60 / 180
Maximum costs chargeable to the debtor: reminder SEK 60 per invoice, collection demand SEK 180 per file, payment plan SEK 170.
10 years
B2B limitation; a reminder, filing or acknowledgment restarts it. The title is also valid for about 10 years.
Process

How collection in Sweden proceeds

Amicable phase (30–90 days)

Reminder on day 7–14, inkassokrav on day 21–28 (10 days), final demand on day 35–45. Most undisputed Swedish files are paid in this cycle. Agencies are supervised by Finansinspektionen.

Order for payment

Application to Kronofogden; without objection an enforceable title. No lawyer needed, fee SEK 300.

Court action if objected

Tingsrätt: simplified procedure up to SEK 29,400 (SEK 900, limited cost recovery), ordinary above (SEK 2,800, costs recoverable); 6–12 months. A lawyer is not mandatory but advisable.

Enforcement and insolvency

Kronofogden (state authority, no private bailiffs): movable, bank, wage, real-estate and third-party attachment, asset search; SEK 600 case fee per year. In bankruptcy the tingsrätt appoints a trustee; low recovery for unsecured creditors.

Our role

We organise your collection in Sweden

Collecting a debt in a foreign country on your own is exhausting: language, law, finding the right firm, negotiating fees, not missing deadlines. This is exactly where Incasso Mentor comes in. We review your file, obtain an independent credit report on the debtor and determine the most suitable route for Sweden.

Then we set up the process: we select the registered agency or lawyer in Sweden, hand over a complete and well-prepared file, fix the fee on your behalf in advance and follow every step. You work with one contact, in your own language. Every decision is yours; no step is taken without your approval.

What you do, what we do

You: send us the invoice, contract and delivery documents.

We: assess the file, obtain the credit report and report the route and cost to you in writing.

We: select and brief the local specialist in Sweden, fix the fee and watch the deadlines.

We: report every development in Turkish and answer your questions.

You: take the decision at every stage. Legal steps only with your approval.

Three points that matter for a Turkish exporter

One of the simplest routes in Europe

A single state authority issues the order for payment and enforces it; no lawyer or court needed. A foreign creditor may file itself under Swedish procedural rules; we run this with our partner.

Cost caps are low

Collection costs chargeable to the debtor are capped by law (SEK 60/180/170). The lever is not the cost but the fast enforceable title.

EU procedures closed

The European order for payment and small claims are closed to non-EU claimants; the national Kronofogden route is faster anyway. Language Swedish, sworn translations required.

Frequently asked questions

How long does collection in Sweden take?

Amicable phase 30–90 days, unopposed order for payment 4–6 weeks; a defended case at the tingsrätt 6–12 months.

Do I need a lawyer?

No legal requirement at any stage; advisable in case of a defence, high amounts or jurisdiction issues.

What is the judgment worth in Turkey?

A Swedish judgment is enforced in the EU under Brussels I-bis; in Turkey tenfiz is needed. A Turkish judgment needs separate recognition in Sweden; suing in Sweden is the efficient route.

Incasso Mentor is not a law firm. We coordinate the amicable phase; where a legal step is needed, an authorised lawyer, enforcement officer or registered agency in Sweden acts with your approval. This page is general information, not legal advice. Source legislation: Debt Recovery Act (1974:182), Code of Judicial Procedure (1942:740), Enforcement Code (1981:774), Interest Act, Bankruptcy Act (1987:672). Information as of September 2026.

Submit your Sweden claim today

Share your invoice and the basic documents. We review the file and report the route in Sweden and the expected cost to you in writing, in Turkish; the rest we plan together. B2B, from €20,000 per debtor.

Submit a collection case →