WHAT IF I AM UNABLE TO PAY AT THE MOMENT?

In most cases, you have the option to extend the due date indicated in the letter or to sign a payment agreement under which you are allowed to pay the debt in monthly instalments.

To sign or amend a payment agreement, log in to Julianus’ self-service environment HERE.

If you have any questions, contact us via the customer support chat application.

If you are unable to log in to Julianus’ self-service environment, call us at +372 681 4456 or send an e-mail to meeldetuletus@julianus.ee.

Bear in mind that opting for deferred payment may increase the costs associated with the payment of your debt by the amount of the interest, late payment interest, and/or collection costs!

Each time you are sent a new reminder, the collection costs increase, and late payment interest is charged for each day of delay.

If you fail to pay your debt voluntarily during collection proceedings, judicial proceedings will be initiated, which will further increase the costs you have to pay. See our debt calculator.

If, thereafter, you do not comply with the judgment of the court, the claim will be assigned to a bailiff who will seize your bank account, wages, etc. In addition, you will have to pay bailiff’s fees to the bailiff.

See what happens if you default on your debt: debt management process.