Register of debt adjustments

What is the purpose of the register?

The register of debt adjustments is intended for public use. It is intended to ensure that courts, authorities, creditors and all third parties have access to up-to-date information on the debt adjustment matters of private individuals.

Information is also stored in the register for establishing the conditions for debt adjustment. The information is also used for research and the compilation of statistics.

Who can order an extract from the register?

Anyone can order extracts and certificates from the register.

An extract includes the individual's currently valid debt adjustments. A certificate states that the individual is not in debt adjustment.

If there are entries in the register, the extract can be issued in Finnish or Swedish. If there are no entries, the certificate will be issued in three languages: Finnish, Swedish and English.

Order the extract electronically or with the application form

Order the extract conveniently through LRC's electronic service . Using the electronic service requires strong authentication. The extract or certificate is free of charge.

If you are unable to use the electronic service, use LRC's application form (PDF). Complete the application carefully and send it to us by one of the following methods:

• Through the Suomi.fi/messages service (Legal Register Centre > Register services).
• By email to [email protected]. We recommend the Ministry of Justice's secure messaging service . Enter your email address into the service and register it. You will then be sent an email link that will take your message securely to its recipient.
• By post to Legal Register Centre/YOR, PO BOX 157, 13101 Hämeenlinna, Finland.

You can also order the extract by calling our customer service, tel. +358 29 56 65693.

You can also send a free-form written application to the LRC. Such applications must contain all of the information requested on LRC's above-mentioned application form.

Delivery of the extract

You can get an electronic extract quickly from the electronic service. You can choose delivery to Suomi.fi Messages or by post. If you order the extract by another method, it will normally be delivered by email.

Further information

• Act on the Register of Debt Adjustments (368/2017) (in Finnish)
• Act on the Adjustment of the Debts of a Private Individual (57/1993)
• Decree on the Adjustment of the Debts of a Private Individual (58/1993)
• Privacy statements (in Finnish)