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 individual’s financial situation. It is often required when applying for extensions on debt repayments, restructuring loans, or seeking relief from financial penalties. The declaration typically includes details such as income, expenses, assets, liabilities, and the specific reasons for financial hardship, such as unemployment, illness, divorce, or unexpected financial burdens.

In Denmark, such declarations are often submitted to banks, mortgage lenders, or the Danish Tax Agency (Skatteforvaltningen) as part of a formal request for financial relief. The information provided must be accurate and supported by relevant documentation, such as pay slips, medical certificates, or proof of reduced income. The declaration is not a legal substitute for formal financial counseling or legal advice but serves as a preliminary step in demonstrating need for assistance.

While a ulejlighedserklæring can help individuals negotiate more favorable terms with creditors, it does not guarantee approval. Lenders or authorities will assess the declaration alongside other financial records to determine whether relief is warranted. In some cases, individuals may be referred to financial advisors or debt counseling services for further support. The process underscores the importance of honesty and thorough documentation when seeking financial accommodations.