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What is a debt collection company not allowed to do in Denmark?

Good collection practice (god inkassoskik).

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Short answer

A debt collection firm in Denmark must be authorised and must follow good collection practice (god inkassoskik) under the Debt Collection Act. It may not threaten to tell your employer or others that you owe money, visit you in uniform or park cars marked "inkasso" outside your home or workplace. Letters may not show words like "inkasso", "rykker" or "sidste varsel" on the outside. It may only threaten a police report if there is a suspicion of a crime, and the company, not you, must prove that you owe the money.

Practical info

Why

  1. Debt collection may not be used to shame or frighten you.
  2. A firm can lose its authorisation if it breaks the rules.
  3. The burden of proof lies with the company.

Details

Politiets Administrative Center (PAC) grants and revokes authorisations, and Forbrugerombudsmanden handles complaints about good collection practice.

Tip

Answer collection letters quickly and in writing, and keep a copy with proof that you sent it.

What may differ

Saying that a case will go to court is allowed when that really is the next step.

Common misconception

Many think an inkasso firm can say anything to get you to pay.

What actually happens

Misleading statements and threats are against the law, and you can complain about them.

People also ask

  • How do I complain about an inkasso company?
  • Do I get a warning before inkasso?
  • What if I do not owe the money?

Sources

This answer is for reference only. Payment rules, limits and fees change, so check the official sources or your bank before you pay.

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