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Which private debts are paid off?

The government has decided to pay off arrears on private debts owed by affected parents as much as possible. Have you received a letter confirming that you are an affected parent? And have you received €30,000 or more? If so, we will pay off most of the arrears that arose between 1 January 2006 and 1 June 2021 and that were due and payable before 1 June 2021.

When is a debt due and payable?

Individual bills, monthly subscription fees, rent or mortgage all have payment deadlines. If you receive a bill, you do not have to pay it on the same day. Often, a payment period of 14 or 30 days applies after you receive the bill. The payment term is always stated on the bill. If you have not paid the bill within the payment period, the arrears will become due and payable. We will pay off any arrears that became due and payable before or on 1 June 2021.

What arrears can you submit?

We have listed which arrears you will be able to submit and which you will not. If a specific situation applies to you, please contact our service team.

Rent & mortgage
Payment arrearsSubmit?
Rent arrearsYes
Mortgage arrearsYes
Mortgage principal, the original amount for which you have taken out a mortgageNo
Additional costs, such as collection costs, penalties and interestYes
Payment arrears which you can submit for Rent & Mortgage
Payment arrearsSubmit?
Payment arrears, including additional costs such as penalties and interest. For example, you bought an item in instalments and are behind with your payments. Or you took out a loan for which you have not paid a number of instalments.Yes
Principal of a loanNo
Principal of a loan if it has become due and payable. This may be the case if you are too much behind on your payments.Yes
Payment arrears which you can submit for Loans (continuous credit or personal loan you have taken out or products you have bought in instalments)
Other payment arrears
Payment arrearsSubmit?
Arrears on subscriptions, such as ANWB, central heating boiler, media, gym or mobile phoneYes
Arrears on subscriptions, such as ANWB, central heating boiler, media, gym or mobile phoneYes
Arrears on a loan taken out with family or friendsNo
Arrears on a loan taken out with family or friends and recorded by a notaryYes
Claims due to fraud or crimeNo
Overdue bills, e.g. dentist fees or physiotherapy treatmentYes
Maintenance arrearsYes
Payment arrears which you can submit for all other payment arrears.

For each debt, you can send a photo or copy of an invoice or reminder. This can be done digitally via the website or by post. For each debt we ask for the following data:

  • Name of the creditor
  • Customer number or reference number
  • Invoice number
  • Payable amount

If the debt pertains to a local creditor or a specific branch, we also ask, if possible, for the creditor's website, e-mail address, telephone number and place of business.

I received a letter saying that I must report my debts

You received this letter because the moratorium on your debts ends in February 2022. Therefore, it is important for you to submit your debts as soon as possible when the desk for private debts opens on 5 January 2022. This is how we can help you most quickly. Before then, you can list your debts. If necessary, your municipality can help you with this.

Letter on submitting private debts (Dutch, pdf)

I have not received a letter stating that I can submit my debts. What does this mean?

If you have not received a letter, this means that your debts remain paused. From now on, we will send a letter every month to the parents whose pause button ends within 2 months. This will also give you time to sort out your debts. Your municipality can help you with this.

The desk for private debts is already open. So even if you have not received a letter, you can still submit your debts. However, the debt lists of parents for whom the pause button ends in February 2022 will be the first to be handled.

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