Right of compensation as well as insolvency and execution law
Translated from Swedish by AI; the translation may contain errors. The Swedish text is the original.
Summary AI, written in advance
M motions for approval of the committee's proposal as Sweden is in an economic crisis where over-indebtedness affects many 1. S wants a greater focus on personal finance in upper secondary school and a review of the legal protection in home insurance during separation 2. KD motions for approval of the committee's proposal and emphasizes the importance of a final prescription period for debts as well as a clear child perspective 3. SD motions for approval of its own reservation, wants the state to guarantee compensation to crime victims, that compensation for wrongful deprivation of liberty can be denied to gang criminals 4, that all income of the indebted should be able to be seized 4, strengthened cooperation between the Enforcement Authority and banks 4, a final prescription period for collection debts, a central debt register and a deadline for division of property processes 4 5. L wants the government to investigate measures to limit division of property processes 6 and consider formal requirements for powers of attorney 7. V demands stricter rules for loans and credits as well as that lenders should bear greater financial responsibility in cases of deficient credit assessment 8. C considers that lending needs to be tightened 9, that the state should consider whether the interest deduction rewards overconsumption 9, that it is unreasonable for children to lose their homes due to their parents' failures 9, that the number of years in the payment plan during debt restructuring should be reduced from five to three years and that payment-free months should be removed 9. C endorses and follows the Over-indebtedness Inquiry 9.
Written by AI in advance and may contain errors. The numbers lead to the speech a statement builds on; check against the text below.
Jennie Wernäng (M)
Mr. Speaker! We are now going to debate the Committee on Civil Affairs' report CU7, and I would like to begin by moving to approve the committee's proposal.
I quote Elisabeth Svantesson: Sweden as a country has entered an economic winter. It is probably more than I who feel that it is a harsh, cold, dark winter that is holding us all tightly. It affects our electricity contracts, wallets, and food baskets. Many are having a tough time right now.
Right of compensation as well as insolvency and execution law
Sweden has moved from one crisis into another. Companies barely made it through the pandemic, and Russia's war is causing prices for materials to skyrocket. One might not even be able to get hold of the material that is needed. The construction industry is grinding to a halt, reviewing its costs, cutting back on staff, and stopping expansions. Several companies are doing the same, but despite that, many are going bankrupt.
Mr. Speaker! At the same time as bankruptcies are increasing, the level of debt in Sweden is increasing. Over-indebtedness does not affect everyone, but everyone is affected. Families risk becoming homeless as a result of debt. According to research, over-indebted people run twice as high a risk of illness and suicide.
Mr. Speaker! The over-indebtedness investigation is ongoing, and within politics, there is an agreement across the blocks that measures must be taken. Different tools are needed to handle different types of challenges. Just as in politics in general, one often sees common problems, but has different ways of tackling them. I hope that the investigation will show a common path that we can achieve broad anchoring around and thereby alleviate the suffering of the indebted and achieve a new start.
Mr. Speaker! I want to remind everyone that anyone can be affected. Anyone can at some point end up in financial trouble. It is a misconception if one thinks that it is only about people who are careless or naive, or about their way of life. A loan one took that looked good and had reasonable interest rates can, with rising inflation, interest rate hikes, layoffs, and rising food prices, turn into a real trap.
Mr. Speaker! It is important that we as legislators follow the developments and create hope and safety nets for a bright future so that people can see the opportunities for a new start. We as legislators shall make it difficult for unserious actors to put people into economic debt, and we shall enact laws to be able to lead them out of it – not least with the 90s in fresh memory.
I am myself one of the children who were affected when the devaluation and the crisis swept over Sweden in the 90s. My family was just one of those who had to leave their homes. Along with large bankruptcies and layoffs, my family was hit by double crises. It was due to the crisis in combination with incorrect advice at the wrong time from an individual bank official. It cost us the home and the ownership right until the turn of the millennium. But the crisis naturally did not only affect the individual family at that time. We as a country still live in the ruins of this crisis. The next generation inherits an exclusion, for example, on the housing market.
I shall tell an anecdote, Mr. Speaker. As a mother of two children, I went together with my husband to the bank to ask for a loan for our first home. Then the bank clerk looked at me and said that the next time we tried to borrow for a home, it would probably be best if we took our parents with us, so that they could go in and borrow on their homes and put them up as collateral or act as guarantors.
But no, the possibility of taking help from parents who could provide security or act as guarantors had vanished with the 90s devaluation and a single piece of advice from a bank official. I realized right then that one very likely inherits exclusion in, among other things, the housing market, where a crisis in life can have an effect on generations.
Mr. Speaker! The problems with insolvency, over-indebtedness, and debt restructuring that we are now debating must be rectified. We legislators must do right, not least from a child's perspective. A single, incorrect piece of advice can, as has been said, make a difference for generations. We must handle today's crises carefully. The government has returned to this. We must handle the high inflation with caution, and in the meantime, we must ensure that people and their companies do not fall into over-indebtedness. If they do, there must be a good way out of it.
Anna-Belle Strömberg (S)
Mr. Speaker! Last week I visited the budget and debt counselors in my own home municipality, Örnsköldsvik, which is located in Västernorrland County. They described how the calls of concern have increased and how people tell that the small buffer they had is exhausted. It takes just a small increase on the invoice or a sudden expense for one to fall over the edge. Those who had no buffer are having a really hard time.
Women, single mothers and younger people have it extra tough in the economic situation we find ourselves in with rising interest rates, higher energy, gasoline and food prices. They have skyrocketed and risen by record amounts. In their professions, the debt counselors also see that more and more young people are lured by influencers, YouTubers, social media and celebrities with lavish lifestyles, which has led to an increase in over-indebtedness in adulthood.
A significantly larger investment in personal finance in upper secondary school is needed. Basic knowledge in personal finance is a prerequisite for functioning well in society, understanding contracts, and seeing the consequences of the many choices that one as a young person needs to make. All of this presupposes certain knowledge within the area. Countless surveys show that very many young adults lack the most elementary knowledge.
Mr. Speaker! Even digitalization has created an enormous market for fraudsters in various forms. One sees an increase in romance scams and how elderly people are deceived by fraudsters who claim to be from banks or authorities. Questionnaires are sent out to pensioners who are tricked into agreements that are difficult to get out of. That list can be made long.
Causes for people falling into debt and over-indebtedness are often separations, illnesses, unemployment, gambling, companies going bankrupt, linguistic and cultural differences, increased mental ill-health, and functional variations that make it harder to manage finances. The Consumer Agency shows that people in debt are heavily overrepresented regarding ill-health and mortality rates. Even though it is difficult to know what comes first, there is a clear connection between debt and ill-health.
Bris reports that many children are now worried about the family's finances. The children eat less at home, forgo activities and are worried that their parents will lose their jobs.
Mr. Speaker! During the previous parliamentary term, the Social Democratic government implemented a number of reforms to reduce over-indebtedness. An interest rate cap was introduced on high-cost credits, and marketing and information requirements were tightened. Requirements were introduced ensuring that credit may not be pre-selected when purchasing online.
The investigation Counteracting risky lending and over-indebtedness was launched by the Social Democratic government. The mandate is to review the market for consumer credits, propose measures that counter risky lending and over-indebtedness, and propose a debt register. These are powerful tools to ensure that those who are granted loans also have the ability to pay them back.
Mr. Speaker! I have noted that the Left Party and the Centre Party have motions that fall within the scope of the investigation into over-indebtedness. We Social Democrats do not want to anticipate the investigation but will follow these issues closely and ensure that the government completes the investigation, brings it to fruition, and comes forward with concrete proposals and measures.
Mr. Speaker! I also want to devote a few minutes to highlighting economic violence in close relationships, and it could not be more appropriate than on this International Women's Day. March 8 is a day of struggle for women's rights.
We Social Democrats see the shortcomings in home insurance that hit victims of violence, women and children, hard. The large Swedish insurance companies apply the rule that it is possible to use the legal protection in the home insurance for custody disputes only if a lawsuit is filed in court more than one year after separation or divorce.
Many women who are victims of violence have limited means to pay the entire cost of the dispute themselves. It is extremely difficult for a woman who is a victim of violence to protect herself against the perpetrator's continued violence when he uses the children in custody disputes. She also cannot, after a separation from a violent man, seek help from legal aid to obtain legal assistance to protect herself and the children.
Many are left without the possibility of obtaining help to pay for a representative, which is serious. The Karen rule is very unfavorable for consumers.
Very many disputes arise in connection with divorce. Courts' decisions in custody disputes risk becoming poor if one party cannot afford a legal representative. This can lead to great inequality in the process, and the one with weaker finances gives up and cannot manage to fight for their children's interests. It risks affecting the children if decisions are not made in accordance with their best interests.
Mr. Speaker! We Social Democrats believe that the government should review the possibility of strengthening consumers' rights to home insurance with legal protection that is applicable immediately after a separation or divorce.
In conclusion, I would like to move for approval of reservation 2.
Larry Söder (KD)
Mr. Speaker! Today, it is not easy to plan one's finances. We see that there are various parts that make it difficult to plan both for companies and for the individual - the pandemic, electricity prices, interest rate hikes, and inflation. Yes, we can probably imagine that more will come in the future that will make it difficult for people to plan their finances. The planning difficulties also make it difficult to predict how many bankruptcies we will have in Sweden and how many individuals will have problems paying their debts.
Being unable to pay one's debts is extremely demanding for both companies and private individuals. Sometimes it is difficult to determine whether the individual is the only one to blame for not being able to pay their debts or if someone else is jointly responsible. Has the company that accepted the credit performed an acceptable assessment, as one should? Did the company have access to all the facts in the form of the individual's entire debt profile? Of course, the individual is always the one who should bear the responsibility and thus do everything in their power to repay the debts they have received. But it is perhaps not always the individual who alone bears that responsibility.
Even though the individual bears the debt, one should in one way or another know when the debt is prescribed. In the report, there are several motions whose content we should take with us in order to be able to set a final prescription period. What time the final prescription period should be can, of course, be discussed – whether it should be 10 or 15 years so that the individual has enough time to be able to settle their debt. It is actually about the individual being able to settle their debt. But that there should be a final prescription period is clear. People must be able to see an end and be able to move away from living on subsistence levels.
Children are a particularly vulnerable group when it comes to this. Often they are hit hard when parents fall into payment difficulties. Therefore, it is extremely important that we have a clear child perspective in these issues. The child perspective is something that all of us in this chamber should take to heart in the work to counteract over-indebtedness. On the other hand, it is always the parents who are responsible for their children and their actions.
The government takes the issue of debt seriously, as does the Riksdag. 30 motions point to a real problem in society that I am convinced the government takes seriously and handles to the best of its ability.
A payment plan in debt restructuring, which both Sverigedemokraterna and Centerpartiet have submitted motions on, is an important part to look at more closely. Also the final prescription period, which both Sverigedemokraterna and Vänsterpartiet have submitted motions on, is a point that I take with me and would like to highlight as a part to work on moving forward in the committee.
With these words, I move for approval of the committee's proposal.
Angelica Lundberg (SD)
Mr. Speaker! I would like to begin by moving for approval of the Sweden Democrats' reservation number 3.
Today we are debating the Civil Affairs Committee's report CU7 Compensation Rights as well as Insolvency and Execution Rights. The issues concern rules on damages, over-indebtedness of private individuals and companies, and the possibility for the Enforcement Authority to seize debts.
Some of the areas where the Sweden Democrats want to see change are such as those now covered by the Tidö Agreement, where we thus have an agreement with the government on measures. This includes, among other things, that crime victims shall be guaranteed the damages they have been awarded by the state taking over the responsibility for collection and ensuring that the person who, for example, has been subjected to a rape does not have to personally request the damages from the perpetrator.
The Tidö Agreement also covers that compensation for wrongful deprivation of liberty shall be able to be denied or reduced, partly if the person in question is still convicted of the crime, partly if other circumstances exist that make such compensation unreasonable.
In 2022, a total of 97 million kronor were paid out to persons who had been deprived of their liberty, and according to the review that Dagens Nyheter has conducted of the payments, many were made to gang criminals.
This has thus become a source of income for organized crime and also something that gang criminals use as an excuse to explain where they got their expensive jewelry and watches from. It prevents the police from seizing the status items that we know are an important part of the recruitment of young people into the gangs.
It is complete madness that someone who is detained for a shooting or explosion can sit in interrogation after interrogation and answer "no comment" to the police's questions, only to then be released on a large compensation. This must stop. We can no longer allow gang criminals and others who destroy our society and our safety to get away with it.
The Sweden Democrats will closely monitor that the government fulfills what the Riksdag has announced and what is included in the Tidö Agreement. I have good hopes that crime victims' opportunity for compensation will be strengthened and that gang criminals will face a tougher time ahead. It is high time for measures that make a real difference.
Mr. Speaker! In the area of enforcement law, the Sweden Democrats, however, want to go even further. We believe that all income that someone with debts has should be able to be seized. It is not reasonable that a creditor who is waiting for money should have to continue waiting for what they are legally entitled to even if the debtor receives a large sum of money into the account. It should not matter which legal source the income comes from - if one has a debt to someone, it should be paid first.
The one who is burdened by debt is not free. Therefore, it is in everyone's interest that debts are settled as soon as possible. Above all, it is important for the many children who live in over-indebted households. I would therefore like to urge the government to close these gaps in the Penal Code as well.
Furthermore, the possibility of cooperation between the Swedish Enforcement Authority and the banks must be strengthened. Today, the control of seizable assets is carried out manually in such a way that the Swedish Enforcement Authority must request to see a person's account at every individual occasion, and then only a snapshot of what is on the account at that specific moment is reported. It is reasonable that the Swedish Enforcement Authority is instead given the opportunity to monitor a personal identity number at, for example, banks and the Swedish Tax Agency in order to be able to directly see seizable assets or changes in income.
Mr. Speaker! When it comes to private over-indebtedness, the problems are gigantic, and they are growing. We want to introduce a final prescription period for collection debts so that after a reasonable period they are either written off or forwarded to the Enforcement Authority instead of just lying there and accumulating interest year after year. People must be given a reasonable chance to get out of the economic difficulties they have found themselves in. A central debt register is also a good way both for the individual to oversee their debts but also for the one who is to perform a credit check to get a complete picture.
We will have an opportunity to return to the Sweden Democrats' powerful action program against over-indebtedness a bit further ahead in our [agenda] when we debate consumer policy. But it is important to address the problems with over-indebtedness because they do not only affect the individual and their family, with mental ill-health, suicide attempts and so on, but they also affect society. Now that we are entering economically tougher times, it is important that the Riksdag acts proactively and, as far as possible, prevents more people from being placed in unhealthy debt.
Jakob Olofsgård (L)
Mr. Speaker! Today is International Women's Day, March 8. Therefore, I have chosen to highlight one of the proposals being addressed in today's report, which concerns the debt restructuring of certain debts.
In a single motion, Mr. Speaker, my liberal colleague Robert Hannah proposes that the government should consider reviewing debt restructuring to make it easier for those who are subjected to men's violence against women and honor-related violence and oppression - that which is today designated as economic violence. Economic violence is, just like all other forms of violence, about the exercise of power and control. It can lead to long-term indebtedness and debts. Economic violence can also make it more difficult to leave a violent relationship.
This individual motion is being set aside in the report. It is in order as the committee considers that the current debt restructuring act from 2016 provides opportunities to start anew, taking into account the debtor's personal and economic circumstances. For the sake of clarity, Mr. Speaker, I want to emphasize that we move for approval of the committee's proposal in the report.
Mr. Speaker, today I want to take the opportunity to dedicate this speech to Eva, who is actually named something else. Eva was a friend to me and those around me, and I had the opportunity to get to know Eva and her family. It was precisely violence in a close relationship that led to the fact that Eva, when she finally was able to leave her destructive relationship, carried with her the debts from there - loans that were taken in her name and that she was forced to take, precisely because of the destructive relationship she lived in.
Today, Eva is no longer among us. She was affected by cancer some years ago and had to move to her heaven. But during the last time, she could live and survive economically thanks to friends in her vicinity who supported her and her finances. They too are worthy of a gold star this Women's Day. They did what was natural for them, to help the one who needs help.
Eva never received any debt relief, which she had needed. She could leave the physical violence, but she always carried the economic violence with her.
Unfortunately, there are far too many Evas in our country today. Of those who are subjected to violence in close relationships, 75 percent are also subjected to economic violence.
That is why I am proud that our government, with the liberal Minister for Equality Paulina Brandberg, on February 1 this year, within the framework of the Swedish presidency, approximately one hundred days after the government took office, invited to a conference regarding precisely that economic violence and what consequences it has for individual individuals who are put into debt. Economic violence is a priority issue for this government and for the Liberals.
It is, Mr. Speaker, my firm conviction that our government will not rest when it comes to the economic shackles that perpetrators place on their victims. It should, of course, actually be the perpetrators themselves who are placed in these shackles and chains, in one way or another. This is what we, as a party and a government, will work for - for the sake of every vulnerable woman, for the sake of every Eve.
Angelica Lundberg (SD)
Mr. Speaker! I want to begin by thanking Member Olofsgård for his very important contribution regarding economic violence. This is an issue that we in the Riksdag need to talk much more about. I am also very grateful that the Member's colleague Robert Hannah has meritiously highlighted these issues in an individual motion.
We had a seminar here in the Riksdag yesterday, where several Eva came forward with their stories. It is clear that the dark figure regarding economic violence is incredibly large. There is international research showing that as much as 75 percent of those who are subjected to other types of violence in close relationships are also subjected to economic violence.
The question then is what we here in the Riksdag can do. We must, of course, take a multitude of measures to address these problems. One of the things that Sverigedemokraterna have proposed is that the division of property process should have a deadline. It should not take seven years to complete a division of property; instead, after a certain period, the division of property should be finished, just as in a distribution of an inheritance, for example.
I would today like to ask Member Olofsgård about this, given that the government prioritizes this issue, is it something that the government can stand behind?
Jakob Olofsgård (L)
Mr. Speaker! I would like to thank Member Angelica Lundberg for raising this in a reply so that we get another opportunity to highlight this important issue today.
Just regarding division of property, Mr. Speaker, one is put into debt in a way that is outrageous. The processes drag on, and it is costly. One does not have the money because one does not hold any capital at all. What the Sverigedemokraterna propose is absolutely something we in the government take to heart and want to look into more closely. Does this need to be investigated, or what measures do we need to take?
The seminar yesterday that we both participated in was, Mr. Speaker, precisely about how we in all parties see that we have a common responsibility to tackle this problem together. I therefore welcome the Sweden Democrats' proposal and initiative.
Angelica Lundberg (SD)
Mr. Speaker! When it comes to the investigation regarding the division of property, there is actually already an old investigation that has proposed certain future measures. One could therefore resolve just that problem quite quickly.
Another problem that was raised at the seminar yesterday, Mr. Speaker, concerns powers of attorney. It turns out that a power of attorney for a banking transaction does not need to be either dated or witnessed. It can even contain incorrect personal identity numbers and still function to take out loans in the millions.
In a written question to MP Olofsgård's minister, Minister for Justice Gunnar Strömmer, I asked about powers of attorney and whether we should not introduce formal requirements similar to those that apply to wills or future powers of attorney. The answer I received from the minister was that there was no clear reason for it. I would like to hear MP Olofsgård's interpretation of this. Could the MP take this question with them to the government and review the possibility of introducing formal requirements regarding powers of attorney?
Jakob Olofsgård (L)
Mr. Speaker! Again, thank you, the member, for a good proposal that we need to highlight again! When it comes to property division, a proposal for something that could provide an effect, for example a fine, when it goes too far. It is a very clear measure that would be noticeable. Regarding the rest that Angelica Lundberg says, I absolutely refer again to the minister. They have this on their desk, and the government sees it in its entirety. But this is, again, a good proposal to take into consideration. I hope that my minister has not completely dismissed it, because we as a party see that it is well worth thinking about one more time on this.
Nadja Awad (V)
Mr. Speaker! The increasing inflation with rising interest rates, higher electricity prices, and more expensive food means that more and more people find it harder to make ends meet. This hits hardest those who live on the smallest margins. More and more families with children, elderly people, and asylum seekers in Sweden cannot afford food. A group that the money does not suffice for are the over 160,000 in Sweden who live on subsistence minimum due to debts. This alarms the Consumer Agency.
At the turn of the year, a gloomy and new record level for private individuals' debts at the Enforcement Authority was noted. The total debt is now 101 billion kronor, which is an increase of approximately 7 billion since last year. Over ten years, the mountain of debt has grown by several billion kronor, specifically approximately 34 billion.
In addition to the indebted being affected purely financially, the risk of homelessness, illness, and suicide also increases. A study from Södertörn University showed that the risk of suicide is more than twice as high among those in debt. Furthermore, the Enforcement Authority reported figures showing that the number of children evicted from their homes continues to increase. It is a worrying development, Mr. Speaker.
A group that is overrepresented among those in debt in Sweden are young people. Even though the number of young people with debts at the Enforcement Authority has decreased during these years, the debt amount for the age group 18-25 years has increased. Young men account for 73 percent of the total debt amount, but it is among young women that the increase is greatest. It is worrying that young people are incurring debt with such large debt amounts, which for the most part concern consumption loans.
On this special day, International Women's Day, I want to direct extra much thought towards women. An increasingly common phenomenon is that women become victims of economic violence that places the woman in a situation of economic dependence on the man while the relationship continues. It prevents the possibility of breaking up from the relationship. It is about the exercise of power and control. The perpetrator, often a man, forces the victim, often a woman, to sign for loans and other credits. And the perpetrator himself keeps the money or the item. Women who have been subjected to economic violence often do not even know that debts have been taken out in their name. This can lead to long-term indebtedness and debts with, among others, Kronofogden.
Over-indebtedness is also a clear class issue. A report from LO shows how low-income earners, single persons, low- and medium-educated, the sick, the unemployed, and tenants are overrepresented among those with long-term debt. Therefore, we must attack over-indebtedness by tightening the loose frameworks for loans and credits. Therefore, I move for approval of reservation 4.
The Swedes' debts have, as said, increased, and they have increased much faster than the incomes. Internationally, Sweden has record-high debt when it comes to private individuals. The consumption loans continue to rise. These loans can entail risks for individual individuals but also, in the long run, large costs for the whole society. Public expenditures can increase due to increased healthcare costs and the need for labor market interventions, social welfare support, and so on.
Even those who are heavily in debt can obviously borrow money, because many lenders are negligent with the credit assessment. The Consumer Agency has audited about forty companies since 2012. In many cases, the lending companies disregard collecting information on the customers' income and expenses before lending. But despite the lack of thorough credit assessments, these companies run very little risk, because the Enforcement Authority acts as a kind of guarantor to ensure that the lending companies get the money back even with a negligent credit assessment. The authority's officials therefore collect the debts for the companies. It is then an unfortunate situation that we have before us, Mr. Speaker.
Every seventh loan has resulted in a collection demand for the borrower. This indicates that many borrowers are experiencing payment difficulties. Of the borrowers who were tested with a living-on-income calculation, there was one collection demand for every document twentieth loan. A thorough credit assessment would therefore reduce the proportion of borrowers with collection demands.
It would also create incentives for lenders to perform proper credit assessments. Thus, the risks of over-indebtedness and for the costs that individuals and society can be hit by in such a situation would decrease. The companies that do not perform proper assessments need to be forced to take a greater financial responsibility when the debts end up with Kronofogden, we believe in Vänsterpartiet. We think, as said, that the lender should have to bear a greater cost upon enforcement at Kronofogden if sufficient credit assessment has not been carried out and if collateral was not required for the loan.
Alireza Akhondi (C)
Mr. Speaker! Much wisdom has already been spoken from this rostrum, so I will try to keep my speech relatively short. I perceive that there is a fairly large consensus regarding the importance of these issues in this chamber. I would, however, like to bring up a few things that I think we can reflect on a bit more together.
At the turn of the year, there were 393,781 people registered with the Swedish Enforcement Authority. The debt mountain was 101 billion kronor. The number of people in debt is increasing, as is the extent of the debts per person. It is quite alarming. And in any case, for me and the Center Party, it is quite obvious that lending as such needs to be tightened. One can also consider whether we, from the state's side, should continue to subsidize overconsumption and loans for consumption through the design of the interest deduction. Whether that is appropriate is a question that one can reflect on.
Right of compensation as well as insolvency and execution law
In January 2023, 709 companies went bankrupt, which was approximately 60 percent more than in January 2022. What is interesting about that figure is that it is an alarming trend since October 2022. One has to wonder what is driving that development. Is this due to the general economic situation, or are there clear links to the fact that people are having difficulties paying increased interest costs and increased costs for, among other things, electricity? In that regard, the government has failed at least in getting the payments made in an appropriate manner.
We also know that 269 children were evicted during the first half of 2022. I heard my colleague Larry Söder highlight the importance of taking great consideration of the children's best interests. That is something that we from Centerpartiet also advocate for. It is quite unreasonable that children lose their homes because of their parents' failures in life.
We from Centerpartiet naturally stand behind all our motions in this report. But for the sake of time, I motion for approval only to reservation 9, which concerns the payment plan in debt restructuring, where we want to reduce the number of years from five to three and remove the interest-free months. We consider it more important to become debt-free quickly than to have interest-free months.
I also want to add that we welcome and follow the Over-indebtedness Inquiry, which is to be presented on 29 June 2023. There is certainly a great deal of wisdom there that we can work further with in the committee together with other parties.
The deliberation was hereby concluded.
Source: The Swedish Parliament. The speeches come from the open data of the Riksdag, translated into English by AI, which may contain errors.