I AM NOT ABLE TO PAY AT ONCE

• The most convenient way to receive information about your debts is via Julianus’ self-service environment, which you can access 24/7! Log in HERE.
• In our self-service environment, you can sign a payment agreement that is suitable for you for each claim.
• If the debt claims filed against you have become too burdensome, you may want to consider refinancing.

For additional information, call us at +372 681 4456, and we will assess your situation to find a suitable solution for payment together. This will allow you to avoid costly legal expenses.

The fastest and most convenient way to sign a payment agreement is via Julianus’ self-service environment. Log in HERE.

If you sign a payment agreement in our self-service environment and fulfil the agreement as prescribed (i.e. pay all instalments in time), then your debt will not be published in the payment default register Taust.ee!

Note! In the event of late payment, your debt will be published even if you have signed a payment agreement for that debt in our self-service environment!

In cases where a payment agreement cannot be signed in Julianus’ self-service environment, the debt must be paid as a lump sum.

If you wish to sign a payment agreement for a longer term, please contact us by phone at +372 6814 456 or by e-mail at meeldetuletus@julianus.ee.

Recommendation: Opt for the largest instalments you are able to pay, as this ensures lower ancillary costs (interest and late payment interest).

Payment agreements can only be signed for a single debt, as each debt has a unique reference number.

If you start paying all your debts at the same time, you will end up paying less, as late payment interest stops being charged upon payment of the principal sum of the debt.

We recommend that you immediately set up standing orders with your bank, as this way you will not have to worry about making payments manually each month.

The faster you pay off your debt, the lower the ancillary costs will be, including late payment interest and any payment agreement interest.

If you wish to pay the instalments established under a payment agreement in advance or pay a larger amount than usual, please contact us via the customer support chat application or by phone at +372 681 4456, so that we can make the appropriate changes to the payment agreement.

Alternatively, you can also change the amount of the instalments conveniently in our self-service environment. Log in HERE.

As all payment agreements are entered into our database, if you simply pay a larger instalment, the system will not automatically know that you want to change the payment agreement.

Refinancing consists in taking out a new loan secured by real estate to pay off all outstanding loans and invoices.

Refinancing is wise if the interest rate on your loans is very high (express loans, SMS loans) or if you have accumulated a number of debts and are struggling to pay them off.

For additional information on whether you should consider refinancing and on the options available to you, contact one of our debt collection officers by phone at +372 681 4434 or by e-mail at teenindus@julianus.ee.