Perintäkustannuksille

Perintäkustannuksille refers to the costs associated with debt collection in Finland. These costs are incurred when a creditor seeks to recover an unpaid debt from a debtor. Finnish law, specifically the Act on the Collection of Claims (perintälaki), regulates the types of costs that can be charged to the debtor and the maximum amounts allowed.

When a debt becomes overdue, the creditor may initiate debt collection proceedings. Initially, this often involves sending reminder notices or demand letters. The costs associated with these initial steps are typically limited and set by law. If the debt remains unpaid after these initial efforts, the creditor may escalate the collection process, which can lead to further costs.

These additional costs can include the fees for a debt collection agency, legal fees if the case proceeds to court, and enforcement costs if the bailiff is involved. The purpose of allowing these costs is to compensate the creditor for the expenses incurred in recovering the debt. However, the law aims to protect debtors from excessive charges by placing strict limits on what can be recovered. Debtors are generally informed of the outstanding amount and the associated collection costs at each stage of the process. It is important for both creditors and debtors to be aware of these regulations to ensure fair and lawful debt collection practices.