Frequently asked questions

We have listed below the most frequently asked questions about debt collection. If you cannot find an answer to your particular question, please contact our customer services.

Will a debt collection letter result a payment default to my credit record?

If the debtor is a consumer, a payment default will be stored to your credit record in basic circumstances only after court ruling. Therefore receiving a debt collection letter won’t affect any record to your credit information.

Could I make a payment schedule to pay the debt?

A payment schedule may be agreed for nearly all debts, which have been assigned to SPT Finland for collection. However, the payment schedule and the possibility of applying into it, is always agreed case by case.

Normally the duration of the payment schedule is at most 6 months, and even such term is granted case by case. With regard to consumer debts the costs of the payment schedule are following:

  • 20.00 euros, if the outstanding principal of the debt does not exceed 100.00 euros.
  • 30.00 euros, if the outstanding principal of the debt is more than 100.00 euros and at most 1000.00 euros.
  • 50.00 euros, if the outstanding principal of the debt exceeds 1000.00 euros.

When a payment schedule is applied, an agreed initial part of the debt shall be paid right away. The amount of instalments of the payment schedule and their amount shall be agreed case by case. The debt may be paid, for instance every second week, or once a month.

With regard to business debts the payment schedule terms are always negotiated case by case.

What I can do if there are unclear aspects related with the debt and I wish to contest the debt?

If you believe that the debt underlying the collection letter is unsubstantiated, you need to file a written objection about this to SPT Finland. It is advisable to make the objection in written form so that there will be no misunderstandings in your objection. Please send the written objection either via post, via e-mail to, or via fax to +358 14 3623 301.

A duly handled objection benefits the debtor as well, and any disagreements concerning the matter can be mostly dealt with quickly and in a mutually satisfied manner. By making an appropriate objection you also will ensure smooth and fast reviewing of the case.

What happens if I have filed an objection to the customer before the collection letter date?

If you have filed an objection against the debt to the original creditor before the collection process has started, please notify the collection agency about it immediately. It can happen from time to time that, for some reason or another, information about the complaint haven’t reached the collection agency.

Even if you have already sent a complaint to the creditor, the case can be handled much faster if you also deliver the complaint to the collection agency. In these cases too it is advisable to deliver the complaint in written form. The best practice is to file a copy of your original objection you sent to creditor.

I have paid the debt before the debt collection letter, do I have to pay the collection costs as well?

According to the guidelines issued by the consumer protection authority in certain cases you may be obliged to compensate for collection costs. The compensation obligation depends on how many days before the letter was sent you have made the payment.

In letter-based collection cases the collection proceedings are generally carried out 1–2 days before the collection letter is sent out. As a rule, it is possible to say that if you have paid the invoice at least 4 days before the debt collection letter date, you do not have to pay the collection costs. If you believe that the collection costs should not be compensated, you need to have to contact our customer services to agree the matter.

In most cases business debts are treated in the same manner as consumer debts.

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