ulejlighedserklæring
A ulejlighedserklæring, also known as a "disadvantage declaration" or "hardship statement," is a formal written declaration used primarily in Denmark to document financial or personal difficulties that may affect an individual’s ability to meet financial obligations, such as loan repayments, tax payments, or other financial commitments. The term is most commonly associated with mortgage holders facing financial strain, though it can apply to other contexts as well.
The purpose of a ulejlighedserklæring is to provide transparency to creditors, lenders, or authorities about an
In Denmark, such declarations are often submitted to banks, mortgage lenders, or the Danish Tax Agency (Skatteforvaltningen)
While a ulejlighedserklæring can help individuals negotiate more favorable terms with creditors, it does not guarantee