maksukehotuksen

Maksukehotus, commonly known in Finnish as a payment reminder, is a formal notice sent to a debtor to prompt them to settle an outstanding payment. It is typically issued by creditors, such as businesses, financial institutions, or public authorities, when an invoice or bill remains unpaid beyond the agreed-upon due date. The purpose of a maksukehotus is to encourage timely payment while also serving as a preliminary step in debt collection before more formal enforcement measures may be pursued.

In Finland, maksukehotukset are regulated to ensure fairness and transparency. They usually include key details such as the amount owed, the original due date, and the new deadline for payment after the reminder is issued. The notice may also outline the consequences of non-payment, such as additional fees, interest, or legal action. Creditors are generally required to provide clear instructions on how to make the payment, including payment methods and contact information for further inquiries.

Maksukehotukset are often sent first via email or post, depending on the creditor’s policy and the debtor’s preferred communication method. If the debt remains unpaid after the reminder, the creditor may escalate the matter by involving debt collection agencies or pursuing legal remedies. In some cases, the debt may be referred to a debt collection court (*maksuvaatimus*), where a court order can be issued to enforce payment.

For debtors, receiving a maksukehotus should not be ignored, as prolonged non-payment can lead to financial penalties or legal consequences. Promptly addressing the debt by contacting the creditor to discuss repayment arrangements is often the best course of action. In Finland, debtors have rights under consumer protection laws, and creditors must adhere to fair debt collection practices to avoid disputes.