Debt to the public sector

Public debt can affect whether your savings are paid out

What does public debt mean?

Public debt can take many forms and you can see some examples below. If you have a debt to the government, there is a possibility that the excess tax you receive through TaxHelper will be used to offset your debt instead of being paid out.

If your savings are not sufficient to cover the entire debt, you will not receive any payout. Instead, the money will be used to cover the debt in full or in part. While it may be a little disappointing not to receive a payout, you still get a real value from the savings as you avoid paying part of your debt.

How this affects our price, your payout and more is explained below.

What are examples of public debt?

Here are some examples of what public debt is:

Social benefit repayment claims: If you have received social benefits such as unemployment benefits, cash benefits or housing allowance, there may be situations where you owe money back to the relevant social authority.

Outstanding fines and taxes: If you have received fines or charges from public authorities such as the police and have not paid them within the set deadline, you may have a debt in the form of outstanding payments.

Defaulted debt, e.g. student loan repayments: If you have taken out student loans, e.g. SU loans, unpaid loan amounts or missing repayments may constitute a debt to the public sector.

Tax arrears: When your annual statement has been generated, it may turn out that you have to pay tax arrears to SKAT. This may also be a debt that your savings can be used to cover.

How does down payment and your pricing work when I have debt?

There are 2 options for how payment and price can work when you have debts to the public sector.

Example 1: We have found a saving of DKK 3,000 for you, which would normally be paid out to you. However, since you have debts to the public sector, SKAT must first check whether the savings should be used to reduce your debt. If your debt is less than the savings, e.g. DKK 1,000, they will use DKK 1,000 of the DKK 3,000 to pay off your debt. You will therefore only receive DKK 2,000 as a payout.
Our price for the service is max. 30% of the savings, which in this case corresponds to max. 900 kr.

Example 2: Another example could be if you have DKK 4,000 in public debt and we have found a saving of DKK 3,000. In this case, the entire amount of DKK 3,000 will be offset against your debt. This means that you will not receive any payment from SKAT, but in return, your public debt will be reduced by DKK 3,000.
Our price for the service is a maximum of 30% of the savings, which in this case corresponds to a maximum of DKK 900.

In both cases, we offer the option of deferring your payment or spreading it out over a few months, you can always contact us for an appointment.

How do I know if I have public debt?

In the results email we send you, we will inform you whether SKAT must first check if you have any debts to the public sector. If you do not have any debts, SKAT will normally pay out the money to you within a period of typically 3-4 weeks. You will receive the amount directly to your NemKonto.

If, on the other hand, you have debts, you will receive a letter from the Danish National Debt Agency explaining how your debt will be reduced.

For more information about debt repayment and other questions, please contact the Danish National Debt Agency on 70157304. You can find information and guidance on debt, payment and settlement on their website www.gaeldst.dk. There you can also get an overview of your debt and find answers to frequently asked questions.

The team behind

We're here to help you every step of the way, so you succeed in getting the money you're entitled to. You won't have to wait an hour in line to get through on the phone, and we speak perfectly normal English - without using incomprehensible tax terms.

There are no silly questions, so don't hesitate to write to us on support@taxhelper.dk or call us on 70890230 - we are ready to help every weekday from 9.00 to 16.00.