Late on paying your day-care fees? Are your dental or health clinic fees unpaid?

What does this mean for my credit report?

Most likely, your credit information is still in order. The day-care, doctor, and health-care clinic fees belong to so-called public fees, which are directly eligible for enforcement without a ruling from the district court. You can’t get a payment default entry in your credit report until the collection has advanced to the enforcement phase and you are even then not able to make the payments. The enforcement will then deem you insolvent, which results in an insolvency entry in your credit report.

However, do not prolong the issue! Instead, agree on paying off the debt. Every phase of the collection will result in additional costs for you. Learn more about the collection phases in the Did you receive mail section.

Can I make a payment plan?

Yes, you can agree on paying public fees in multiple instalments. In these instances, the duration of the payment plan can be extended to a maximum of a few months. Contact the collection agency and agree on paying it off.

If you have received a letter from Lindorff, please contact our customer service department. You can create a payment plan also online yourself using your banking access codes to log into the My Lindorff Internet service.

What is the municipal collection process?

Some of the municipal fees are directly eligible for enforcement. This means that unpaid invoices can be sent directly to enforcement after sending payment reminders and demand for payment letters. It is not necessary to seek a ruling from the district court to confirm the obligation to pay the debt.

What are receivables directly eligible for enforcement?

See the section titled What receivables are directly eligible for enforcement?