1. Costs – No Win No Fee!

Having long standing relationships with all our overseas partners we have agreements to provide these services on a NO WIN NO FEE basis charging the agreed commission rate against monies recovered only.

2. Coverage in Sweden

Sweden is divided into 21 counties with Stockholm the capital and largest by population. We have local offices in Stockholm, Sundsvall, Malmö, Halmstad and Karlshamn meaning we are able to recover debts throughout all of Sweden.

3. Local Experience

Unlike many of our competitors all cases are handled by the local office or partner. The reasons for this are they speak the debtors’ language, in this case Swedish is spoken by the majority of the population. We understand the local cultures and know all the legal processes. These are reasons why Creditreform are the ideal people to help you in collecting debts from overseas.

4. Statute of Limitation in Sweden

10 years but there are special exemptions so whatever the age please contact us and we will advise if we can assist with your claim

How to Instruct Us

We simply require the following details:

  • Full name & address of the debtor
  • All available contact details of the debtor i.e. contact name(s) / Tel / Mobile / Email(s)
  • Amount owed (Invoice(s) or Statement will help)


Or ask us to call you – just leave us your details:


    Sweden Debt Collection – No Win No Fee

    Creditreform operates a global specialist International debt collections service. We have local offices and fully approved expert international debt collection agency partners in every country worldwide. All our International debt collection agency partners and offices operate on a No Win No Fee basis charging an agreed commission against monies recovered only. All our international offices and partners initiate the collection processes by sending the debtors a debt collection letter to introduce their involvement.

    Main reasons why a local country debt recovery agency is so important rather than trying to recover from a debt collection agency UK are as follows:

    The local International Debt collection Partners know:


    1. The local cultures
    2. The best methods of initiating debt recovery letters and processes
    3. The languages
    4. The laws
    5. Are in the same time zones

    Herewith details of our debt collection service Sweden

    Location of debt recovery office in Sweden?

    Stockholm, Sundsvall, Malmö, Halmstad, Karlshamn.

    All debt collection letters are sent by the local offices.

    Number of debt collection staff?

    50 plus.

    Each staff member is allocated a client and all their debt collection letters are personalised in order to effect the best response results from debtors.

    How long have you been operating a debt recovery service in Sweden?


    What type of debt collection services do you provide? Do you do commercial debt recovery (B2B) and consumer debt recovery (B2C)?

    We handle both Business to Business debt recovery cases and Business to Consumer debt collections cases. There is different content for business to business debt collection letter templates and business to consumer debt collection letters templates.

    Statue of Limitation in Sweden?

    The Swedish Limitations Act stipulates the principal statutory limitation under Swedish law, namely that a claim not invoked within a period of 10 years from its accrual is time-barred. However, there are rules stipulating a shorter period of limitation.

    How EU (European Union) laws effect debt collection in Sweden?

    Most EU laws does not affect Sweden as we are a fairly open country.

    How many companies registries in Sweden for businesses (i.e. UK has just 1 central registry)?

    1 Registry – The Swedish Companies Registration Office, Bolagsverket, SE-851 81 Sundsvall

    Any general comments regarding process in Sweden for debt collection and how differs from UK / other countries in Europe

    Regulations in Sweden are different from those in most other countries. If you have a Swedish business partner, you will probably be aware that their business culture differs from other cultures in many aspects. Our lawyers are fully versed in the regulations in Sweden, speak the language and are familiar with the business culture of Sweden, which is why we can achieve justice for the creditor in Sweden as well.

    What is the debt collection process in Sweden?

    You can apply three different stages in Sweden: Out of Court debt collection, In Court Debt Collection And Monitoring. Most of our clients usually starts their cases in Out of Court, where we start the process of Collection. After Approx. 40 days we switch phase to the juridical phase (In Court Debt Collection). Should the debtor not pay while in court, the case would go to monitoring. Our monitoring process should be looked at as a cloud where a customer’s case floats around until we see a change in the debtors economy. Once the change has been identified we will try to engage contact.

    Our processes are mainly controlled by our advanced AI who controls the steps. This means that some debtors may need 4-7 letters while other, maybe younger debtors needs two phone calls and a text.

    Average length of time to collect a debt?

    3-12 months

    Can late payment fees / interest to be added to claims?


    Details on legal service / process in Sweden?

    Traditional litigation – proceedings in the District Courts, Appeal Courts and perhaps even the Supreme Court – requires a type of craftsmanship, which we have spent years perfecting. Success in litigation is as much about tactics, initiative and pedagogic ability as about the law. Based on your business interests, an assessment is made of the best way forward, both before and during a litigation process.

    Swedish Business Credit Reports

    Creditreform provides over 88 million international business credit reports throughout Europe and 200 million international business credit reports worldwide There are about 1 million business enterprises and associations registered at the Swedish Register. These include: Limited liability companies, Limited partnerships, Sole traders, Trading partnerships. Through our online databases you can download Sweden business credit reports instantly. This can be done prior to trading to make sure the company you will be dealing with can meet the commitment or once the debt becomes overdue to ensure the debtor can meet the amount owed.

    Sweden Tracing Agents

    Creditreform’s debt collection company service also uses expert local Sweden tracing agent services to locate any absconded debtor. This debtor tracing service is provided on a No Find No Fee basis only charging for a successful trace.

    Specialist Debt Recovery Experts

    There are many unique requirements to recovering international debts in all countries including Sweden debt collection services which differ from the UK debt collection agency  services and therefore it is very important that cases are handled directly by our expert international debt collection agencies and not from debt collectors UK. This method of international debt collection sets Creditreform aside from the competition who in many cases try and recover debts from a UK debt collector only. Using the local offices and partners enables us to achieve a far greater success rate and our No Win No Fee service together with competitive commission rates against monies recovered only ensures you get the best service.

    Sweden Debt Collection Partners in the following Swedish Cities


    “We are pleased with the friendly and efficient service of Adrian Harding and staff at Creditreform in collecting outstanding overdue debts on our behalf. Some accounts, especially those located overseas have been difficult customers but we are pleased with the high rate of success. We also appreciate that they keep us informed and constantly updated on the progress of the collection”
    Bryan de Beer, Phoenix Fragrances
    “Within 48hrs of Creditreform being involved a resolution was agreed and within the week paid in full. The professionalism of the Creditreform team was second to none and I would and indeed do recommend them to colleagues in a similar difficult position This situation was the first time we have had to employ a company for debt recovery and it was good to feel that you have someone else ‘on your side’.”
    Dean Lake, Lake Contracts
    “We have been using Credit Reform for a number of years now and we have always been dealt with in a professional and friendly way. Over time, Creditreform have managed to achieve good results for us. Would definitely recommend.”
    Anna Zhakrova, Catering Hygiene Specialists Ltd
    “I have worked with Creditreform for many years and always received a first class service. Keep up the good work”
    Russell Hardwick, MSC Industrial