Bills overdue

You may have trouble paying your bills for a variety of reasons. Changes in your life situation or health problems, for example, can affect your income and expenses. Whether your challenging situation is temporary or more long-term, remember that there are always solutions to problems with paying your bills.

If you are unable to pay your bills

If you are unable to pay your bills, take some time to review your spending and think about the best order for paying them. If you do not have enough money to pay all of them, securing your housing and employment should be your first priority. You can find tips on how to plan your finances here.

If you are having trouble paying your bills, you should inform the creditors as soon as possible. There are a variety of different solutions, and creditors are usually willing to discuss the available options with you. By thinking ahead, you can avoid debt collection and the resulting costs.

If your ability to pay has deteriorated due to illness or incapacity for work, for example, you may have the right to terminate a fixed-term contract. In such a case, you can invoke the so-called social force majeure. Read more about terminating a fixed-term contract on the website of the Finnish Competition and Consumer Authority.‍