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Meddelande: <blockquote data-quote="onetwo" data-source="post: 366180" data-attributes="member: 4456">Income 24k after taxes.?No assets to speak off.You are insolvent, don’t think I really need what the debt look like but compared to income it’s very high, hence there isn’t any quick fix to this solution without assistance from spouse or your family.Not filing taxes on your income I wouldn’t recommend, it’s tax evasion and will probably not help you in long term,  will probably also be an issue on debt settlement later on.Unless you are paid in crypto and perhaps can delay it that manner. But another topic.To some of your questions,1. If I let everything go and not calling for settling with any of them. What's next?Wage garnishment2. How long does it take after the Kronofogden made a decision that I need to pay and I cannot pay to the next stepCan be everything from 2months to almost a year, but if they run it efficiently I would say 2-3 months.3. I live in a house with a partner, I did not co-own it, Basically I live there for free and we shared the bills, Will this effect him some how?it will if they visit to claim things in your home.4. Will they come to our house to look for things when I don't owe anything at all, Can this step be skipped and go directly to wage garnishment?You can’t skip it, they didn’t come to my house. Pretty much took my word when I said I own nothing of value sold everything.was true, still own nothing <img src="https://www.xn--lnforum-exa.se/upload/smilies/smiling-face-with-smiling-eyes_1f60a.png"  class="smilie" loading="lazy" alt=":)" title="Smile    :)" data-shortname=":)" />5. What can I do about it before all of this happens and how long do I have before thatSave money, stop paying lenders.    6. I know I can not get debt settlement yet because my debts are very recent and It will takes sometimes before I can apply for it since I just quit gambling on February 2023</blockquote>

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