2025-02-192024/25:CU10 · p.17CUCivil law & housing
Payment Plan in Debt Settlement
Length of the payment plan in debt settlement
What's at stake: The question is how long an over-indebted person should have to keep paying off debt before getting a fresh start. It affects people undergoing debt settlement, especially those stuck in long-term debt.
Case texts and AI reasoning are AI-translated from the Swedish originals; the Swedish text is authoritative.
What the vote decides
Parliament weighs whether the standard length of the payment plan in debt settlement for private individuals should be shortened from five to three years, with two payment-free months a year, or whether the current arrangement should stand.
Yes Yes — the committee proposal
The Committee finds, as before, no grounds to propose any statement to the government in response to the motions, which are therefore opposed.
No No — the reservations
Reservation 16 (V)
V argues that the standard length of the payment plan in debt settlement for private individuals should be reduced from five to three years, combined with two payment-free months a year, to give over-indebted people a better chance of completing debt settlement and getting a fresh start.
Summarised from the committee report. Party labels in the summary come from the report, not from the vote.
What do the votes mean here?
Yes The committee proposal: rejecting the motions (keeping things as they are).
No Backing the counter-proposal: reservation 16 by V.
Abstain The party marks a position of its own that is not one of the two final alternatives.
The decision would have held
Explicit commitments that contradicted the vote: LLiberalerna
Ja 185–19Ja 173–31
Counterfactual: the parties above are moved to the position their own documents explicitly point at, carrying their whole contingent present. Every other party keeps its real figures, including dissenters and absentees.
How the AI parties would have voted
For each party: what its own plan – election manifesto and party programme – argues for in this case, next to how the party actually voted. The AI can only answer Yes or No; a party can also abstain.
| AI | Vote | Confidence | Evidence | ||
|---|---|---|---|---|---|
| V | No | No 0/19/0/5 | match | confidence: high | derived |
| S | No | Yes 88/0/2/16 | differs | confidence: medium | not addressed |
| MP | No | Yes 13/0/0/5 | differs | confidence: medium | not addressed |
| C | No | Abstain 0/0/21/3 | differs | confidence: low | not addressed |
| L | No | Yes 12/0/0/4 | differsagainst own programme | confidence: medium | explicit |
| KD | No | Yes 14/0/0/5 | differs | confidence: low | not addressed |
| M | No | Yes 57/0/0/11 | differs | confidence: low | not addressed |
| SD | No | Abstain 0/0/63/9 | differs | confidence: low | not addressed |
Broke with the party line
| SEva Lindh (S, Östergötlands län) | Abstain — party line: Yes |
| SMattias Ottosson (S, Östergötlands län) | Abstain — party line: Yes |
MPs whose vote differs from their party's majority position in this division. Marked with a dark ring in the chamber view.
Committee proposal
The Riksdag rejects the motions 2024/25:195 by Andreas Lennkvist Manriquez et al. (V) point 5, 2024/25:1381 by Mikael Eskilandersson et al. (SD) point 12 and 2024/25:2957 by Anne-Li Sjölund et al. (C) point 10.
Original (Swedish)
Riksdagen avslår motionerna 2024/25:195 av Andreas Lennkvist Manriquez m.fl. (V) yrkande 5, 2024/25:1381 av Mikael Eskilandersson m.fl. (SD) yrkande 12 och 2024/25:2957 av Anne-Li Sjölund m.fl. (C) yrkande 10.
Riksdag decision: The Riksdag rejected approximately 40 proposals in motions from the ordinary motion period 2024. The proposals concerned, among other things, compensation law issues, such as matters concerning insurance and damages. Others concerned insolvency and enforcement law issues, that is, what should apply to individuals and companies that cannot pay their debts. The Riksdag refers, among other things, to the fact that work is already underway in many of the issues to which the proposals pertain.
Counter-proposals
- The counter-proposal wants to enable normal amounts at wage garnishment to be adjusted multiple times per year during periods of high price increases. (V) — Reservation 16
Plan vs actual vote
Every party, in chamber order: what its own plan pointed to, how it voted, and the reasoning behind both. Highlighted rows are where the two differ — but a vote that follows the plan is a result too, so the reasoning is there for every party.
The plan's core commitment is that indebtedness weakens people's independence and negotiating power and that regulation should be based on our common needs rather than financial capital's, and a shorter repayment plan in debt restructuring, from five to three years with payment-free months, gives exactly the over-indebted a way back.
Plan documents: party programme
Reasoning and quotes
The plan's core commitment is that indebtedness weakens people's independence and negotiating power and that regulation should be based on our common needs rather than financial capital's, and a shorter repayment plan in debt restructuring, from five to three years with payment-free months, gives exactly the over-indebted a way back. The plan, conversely, sees a society where people get stuck in deep debts which is advantageous especially for banks.
Original (Swedish)
Planens bärande åtagande är att skuldsättning försvagar människors självständighet och förhandlingsstyrka och att regleringen ska utgå från våra gemensamma behov snarare än finanskapitalets. En kortare betalningsplan vid skuldsanering, från fem till tre år med betalningsfria månader, ger just överskuldsatta en väg tillbaka. Planen ser tvärtom ett samhälle där människor fastnar i djupa skulder som gynnsamt främst för bankerna.
- combat over-indebtednessdecisive»Skuldsättning försvagar många människors självständighet och« (party programme ↗)“Indebtedness weakens many people's independence and”
- regulation based on common needs»Regleringen av lånevillkor behöver utgå från« (party programme ↗)“Regulation of loan terms needs to be based on”
- debt traps benefit capital»skulder är både lönsamt för bankerna och fördelaktigt för kapitalet i« (party programme ↗)“debts are both profitable for banks and advantageous for capital in”
- economic security for all»Alla ska få vardagsekonomin att gå ihop, vart livet än har tagit oss.« (party programme ↗)“Everyone should be able to make ends meet in their everyday economy, wherever life has taken us.”
The plan's principled starting point is that freedom requires social security and constantly new chances, and that the party's task is to stand up for the person with the least power.
Plan documents: party programme
Reasoning and quotes
The plan's principled starting point is that freedom requires social security and constantly new chances, and that the party's task is to stand up for the person with the least power. A shorter payment plan with interest-free months gives the over-indebted a real second chance, which aligns with the criticism of the debt economy that creates insecurity. Debt relief is not explicitly addressed, so the support is inferred.
Original (Swedish)
Planens principiella utgångspunkt är att frihet kräver social trygghet och ständigt nya chanser, och att partiets uppgift är att ta parti för den som har minst makt. En kortare betalningsplan med betalningsfria månader ger överskuldsatta en reell andra chans, vilket ligger i linje med kritiken mot den skuldekonomi som skapar otrygghet. Skuldsanering behandlas inte uttryckligen, så stödet är härlett.
- new chances in lifedecisive»trygghet, och ständigt nya chanser.« (party programme ↗)“security, and constantly new chances.”
- stand up for the weaker»Socialdemokratins uppgift är att ta parti för den som har mindre makt.« (party programme ↗)“Social democracy's task is to stand up for the person with less power.”
- criticism of the debt economy»utvecklats till en skuldekonomi. Detta har lett till en djup instabilitet« (party programme ↗)“has developed into a debt economy. This has led to deep instability”
The plan takes no explicit position on what the committee actually decided — often because the committee's reason was procedural. The stance is derived and fully cited, but it does not show the party broke a commitment.
The plan establishes that over-indebtedness should be counteracted and that excessively high private debt is a risk for the individual and the economy, and that everyone has the right to basic economic security.
Plan documents: party programme
Reasoning and quotes
The plan establishes that over-indebtedness should be counteracted and that excessively high private debt is a risk for the individual and the economy, and that everyone has the right to basic economic security. The welfare system should give everyone new chances to grow and develop throughout life. A shorter repayment plan for debt settlement with payment-free months provides just that second chance and is therefore in line with the plan.
Original (Swedish)
Planen slår fast att överskuldsättning ska motverkas och att en alltför hög privat skuldsättning är en risk för individen och samhällsekonomin, samt att alla har rätt till grundläggande ekonomisk trygghet. Välfärden ska ge alla nya chanser att växa och utvecklas genom livet. En kortare betalningsplan vid skuldsanering med betalningsfria månader ger just den andra chansen och ligger därför i linje med planen.
- counteract over-indebtednessdecisive»Girighet, överskuldsättning och spekulation ska motverkas.« (party programme ↗)“Greed, over-indebtedness and speculation should be counteracted.”
- new chances through life»där alla erbjuds nya chanser att växa och« (party programme ↗)“where everyone is offered new chances to grow and”
- basic economic security»Alla har rätt till grundläggande ekonomisk« (party programme ↗)“Everyone has the right to basic economic”
- indebtedness as risk»hög privat skuldsättning är en risk för individen« (party programme ↗)“high private debt is a risk for the individual”
The plan takes no explicit position on what the committee actually decided — often because the committee's reason was procedural. The stance is derived and fully cited, but it does not show the party broke a commitment.
The plan does not address debt relief's payment plan.
Plan documents: party programme · 2022 manifesto
Reasoning and quotes
The plan does not address debt relief's payment plan. Closest lying principle is the party programme's requirement for social safety nets strong enough to give everyone a second chance in life, together with the election manifesto's care for households with small margins. Derived from this the plan supports a shorter payment plan that gives over-indebted people a second chance, but the foundation is weak.
Original (Swedish)
Planen behandlar inte skuldsaneringens betalningsplan. Närmast liggande princip är partiprogrammets krav på sociala skyddsnät som är starka nog att ge alla en ny chans i livet, tillsammans med valmanifestets omsorg om hushåll med små marginaler. Härlett ur detta stöder planen en kortare betalningsplan som ger överskuldsatta en andra chans, men underlaget är svagt.
- second chance in lifedecisive»att den klarar av att ge alla en ny chans i livet« (party programme ↗)“that it is able to give everyone a second chance in life”
- economic basic security»Välfärden ska innefatta sociala skyddsnät som förmår skapa en god ekonomisk grundtrygghet.« (party programme ↗)“Welfare shall include social safety nets that are able to create good economic basic security.”
- households with small margins»Alltför många människor lever med små marginaler i dagens Sverige.« (2022 manifesto ↗)“Too many people live with small margins in today's Sweden.”
The plan takes no explicit position on what the committee actually decided — often because the committee's reason was procedural. The stance is derived and fully cited, but it does not show the party broke a commitment.
The party programme establishes that the rules for debt relief should be changed so that over-indebted persons get greater opportunity to become debt-free, which is precisely the direction of the counter-proposal's requirement for a shorter repayment plan with payment-free months.
Plan documents: party programme
Reasoning and quotes
The party programme establishes that the rules for debt relief should be changed so that over-indebted persons get greater opportunity to become debt-free, which is precisely the direction of the counter-proposal's requirement for a shorter repayment plan with payment-free months. This is linked to the plan's fundamental idea that the individual gets new chances throughout life and that those in debt should have access to budget and debt advice. The plan does not specify the number of years, but the direction is unambiguous.
Original (Swedish)
Partiprogrammet slår fast att reglerna för skuldsanering ska ändras så att överskuldsatta får större möjlighet att bli skuldfria, vilket är precis riktningen i motförslagets krav på en kortare betalningsplan med betalningsfria månader. Detta hänger samman med planens grundtanke att individen ska få nya chanser hela livet och med att skuldsatta ska ha tillgång till budget- och skuldrådgivning. Planen anger inte antalet år, men riktningen är entydig.
- easier to become debt-freedecisive»Reglerna för skuldsanering ska ändras så att överskuldsatta får större möjlighet att bli skuldfria.« (party programme ↗)“Rules for debt relief should be changed so that over-indebted persons get greater opportunity to become debt-free.”
- new chances in life»liberala samhället får individen nya chanser, hela livet.« (party programme ↗)“liberal society the individual gets new chances, throughout life.”
- support for those in debt»Konsumenter ska ha tillgång till budget- och skuldrådgivning« (party programme ↗)“Consumers should have access to budget and debt advice”
The stance rests on the quoted commitment in the party's own documents; the actual vote deviated. Click the quote to verify it in the document.
The plan does not address the length of debt settlement.
Plan documents: party programme
Reasoning and quotes
The plan does not address the length of debt settlement. According to the party programme, the goal of social policy is to support people toward self-support, the solidarity principle assigns shared responsibility especially for those disadvantaged, and the idea of human fallibility rests on the premise that all people make mistakes. Derived from this, the plan supports a shorter payment plan that gives over-indebted people a second chance, even though honesty and personal responsibility argue for restraint.
Original (Swedish)
Planen behandlar inte skuldsaneringens längd. Socialpolitikens mål är enligt partiprogrammet att stödja människor till egen försörjning, solidaritetsprincipen ålägger gemensamt ansvar särskilt för de utsatta och ofullkomlighetstanken utgår från att alla människor begår misstag. Härlett därav stöder planen en kortare betalningsplan som ger överskuldsatta en andra chans, även om hederlighet och personligt ansvarstagande talar för återhållsamhet.
- pathway to self-supportdecisive»Målet för socialpolitiken är att stödja gemenskaperna och de enskilda människorna till egen försörjning« (party programme ↗)“The goal of social policy is to support communities and individuals toward self-support”
- solidarity with those disadvantaged»Solidaritetsprincipen motiverar oss att ta gemensamt ansvar för alla människor,« (party programme ↗)“The solidarity principle motivates us to take shared responsibility for all people,”
- idea of human fallibility»Alla människor begår misstag.« (party programme ↗)“All people make mistakes.”
- personal responsibility for debts»Hederlighet och personligt ansvarstagande är« (party programme ↗)“Honesty and personal responsibility are”
The plan takes no explicit position on what the committee actually decided — often because the committee's reason was procedural. The stance is derived and fully cited, but it does not show the party broke a commitment.
The plan does not address debt relief, but the party programme establishes that there shall always be a way back for those who have failed and that control over one's own finances is one of the foundations of freedom and security.
Plan documents: party programme
Reasoning and quotes
The plan does not address debt relief, but the party programme establishes that there shall always be a way back for those who have failed and that control over one's own finances is one of the foundations of freedom and security. A shorter payment plan means that the over-indebted person can more quickly support themselves, which is in the direction of the work line. However, the basis is principled, hence low confidence.
Original (Swedish)
Planen behandlar inte skuldsanering, men partiprogrammet slår fast att det alltid ska finnas en väg tillbaka för den som misslyckats och att kontroll över sin egen ekonomi är en av grunderna för frihet och trygghet. En kortare betalningsplan gör att den överskuldsatte snabbare kan försörja sig själv, vilket ligger i arbetslinjens riktning. Underlaget är dock principiellt, därav låg säkerhet.
- a way backdecisive»Det ska alltid finnas en väg tillbaka för den som misslyckats« (party programme ↗)“There shall always be a way back for those who have failed”
- control over own finances»att ha kontroll över sin egen ekonomi är en av de viktigaste« (party programme ↗)“having control over one's own finances is one of the most important”
- incentives to work»Skatter och bidragssystem ska utgå från arbetslinjen.« (party programme ↗)“Tax and benefit systems shall be based on the work line.”
The plan takes no explicit position on what the committee actually decided — often because the committee's reason was procedural. The stance is derived and fully cited, but it does not show the party broke a commitment.
The plan does not address debt relief. The closest-lying commitments are to increase economic security for individuals, that those affected should be…
Plan documents: 2022 manifesto
Reasoning and quotes
The plan does not address debt relief. The closest-lying commitments are to increase economic security for individuals, that those affected should be able to focus on recovery rather than ending up in economic crisis, and that it should always pay to work. A shorter payment plan with payment-free months aligns with this, but the conclusion is derived from general principles.
Original (Swedish)
Planen behandlar inte skuldsanering. Närmast liggande åtaganden är att öka den ekonomiska tryggheten för enskilda, att den som drabbas ska kunna fokusera på återhämtning i stället för att hamna i ekonomisk kris, och att det alltid ska löna sig att arbeta. En kortare betalningsplan med betalningsfria månader ligger i linje med detta, men slutsatsen är härledd ur allmänna principer.
- economic securitydecisive»Öka den ekonomiska tryggheten för löntagare« (2022 manifesto ↗)“Increase economic security for employees”
- avoid private economic crisis»Den som drabbas av sjukdom ska kunna lägga sitt fokus på återhämtning istället för att hamna i ekonomisk kris och tampas mot myndigheter.« (2022 manifesto ↗)“Anyone affected by illness should be able to focus on recovery instead of ending up in economic crisis and struggling against authorities.”
- work should pay»Göra det mer lönsamt att arbeta« (2022 manifesto ↗)“Make it more profitable to work”
The plan takes no explicit position on what the committee actually decided — often because the committee's reason was procedural. The stance is derived and fully cited, but it does not show the party broke a commitment.
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Sources and documents
- The committee report on riksdagen.se (2024/25:CU10)
- Committee report full text (HC01CU10)
- Per-MP voting data (API)
- Case status (API)
Documents under consideration
- Motion 2024/25:130 — Inkassolagen och inkassobolagen av Isak From och Åsa Karlsson (båda S)
- Motion 2024/25:1324 — Försäkringsbolagens bedömning av ärenden som gäller långvariga symtom från olycksfall av Märta Stenevi m.fl. (MP)
- Motion 2024/25:1368 — Skadestånd av Mikael Eskilandersson m.fl. (SD)
- Motion 2024/25:1381 — Överskuldsättning av Mikael Eskilandersson m.fl. (SD)
- Motion 2024/25:1385 — Insolvensrätt, bilmålvakter, olagliga bosättningar och övrigt av Mikael Eskilandersson m.fl. (SD)
- Motion 2024/25:1496 — Utredning av det solidariska betalningsansvaret för skadestånd av Marléne Lund Kopparklint (M)
- Motion 2024/25:1893 — Utökad kontroll vid ansökan om personlig konkurs av Jonny Cato (C)
- Motion 2024/25:195 — Konsumenträtt av Andreas Lennkvist Manriquez m.fl. (V)
- Motion 2024/25:2199 — Skärpta straff för sexualbrott av Johanna Rantsi (M)
- Motion 2024/25:2548 — Absolut skuldpreskription av Boriana Åberg (M)
- Motion 2024/25:2957 — Konsumentpolitik av Anne-Li Sjölund m.fl. (C)
- Motion 2024/25:3074 — Konsumentpolitik av Jennie Nilsson m.fl. (S)
- Motion 2024/25:3096 — Obligatorisk hemförsäkring av Markus Wiechel (SD)
- Motion 2024/25:3108 — Utgiftsområde 23 Areella näringar, landsbygd och livsmedel av Anna-Caren Sätherberg m.fl. (S)
- Motion 2024/25:488 — Utbetalning av skadestånd till drabbade av Mikael Larsson (C)
- Motion 2024/25:57 — Bättre ersättningsmöjligheter vid jaktskador av Kjell-Arne Ottosson (KD)
Source: The Swedish Parliament