Less repressive and fairer foreclosure. Evidence from a randomized experiment at Kronofogden regarding the possibilities to break economic exclusion
Dahlstrand, Karl LU ; Bergwall, Peter LU and Lundholm, Mikael LU
(2023)
RCSL - Law, Society and Digital Pasts, Presents and Futures"
- Abstract
- Homeowners are facing worse personal finances with high inflation and increasing interest rates. New groups are at risk of overindebtedness and foreclosure. The entire household, including children, are affected by worse health and well-being. This leads to large societal costs. Hence, it is imperative to break the negative cycle of overindebtedness for these households. Foreclosure is enforced by Kronofogden (the Swedish Enforcement Authority) and aims to pay the debts. However, an unintended consequence may be that foreclosure is perceived as repressive. The degree of repression depends on how Kronofogden handles the proceedings. This research project contributes with knowledge about these mechanisms and how they may make it more... (More)
- Homeowners are facing worse personal finances with high inflation and increasing interest rates. New groups are at risk of overindebtedness and foreclosure. The entire household, including children, are affected by worse health and well-being. This leads to large societal costs. Hence, it is imperative to break the negative cycle of overindebtedness for these households. Foreclosure is enforced by Kronofogden (the Swedish Enforcement Authority) and aims to pay the debts. However, an unintended consequence may be that foreclosure is perceived as repressive. The degree of repression depends on how Kronofogden handles the proceedings. This research project contributes with knowledge about these mechanisms and how they may make it more difficult to break social and economic exclusion by answering the following research question: How repressive are the foreclosure proceedings at Kronofogden?
It is important to understand when and why foreclosure becomes repressive because it may reduce the possibilities to exit overindebtedness as the homeowner’s social network is reduced and their social trust is lowered. Today we have limited knowledge about the mechanisms that make the exercise of public authority unintentionally repressive. The knowledge is relevant for public authoritative proceedings both in Sweden and internationally. The authorities may use this knowledge to adapt their handling protocol to avoid future repression. (Less) - Abstract (Swedish)
- Homeowners are facing worse personal finances with high inflation and increasing interest rates. New groups are at risk of overindebtedness and foreclosure. The entire household, including children, are affected by worse health and well-being. This leads to large societal costs. Hence, it is imperative to break the negative cycle of overindebtedness for these households. Foreclosure is enforced by Kronofogden (the Swedish Enforcement Authority) and aims to pay the debts. However, an unintended consequence may be that foreclosure is perceived as repressive. The degree of repression depends on how Kronofogden handles the proceedings. This research project contributes with knowledge about these mechanisms and how they may make it more... (More)
- Homeowners are facing worse personal finances with high inflation and increasing interest rates. New groups are at risk of overindebtedness and foreclosure. The entire household, including children, are affected by worse health and well-being. This leads to large societal costs. Hence, it is imperative to break the negative cycle of overindebtedness for these households. Foreclosure is enforced by Kronofogden (the Swedish Enforcement Authority) and aims to pay the debts. However, an unintended consequence may be that foreclosure is perceived as repressive. The degree of repression depends on how Kronofogden handles the proceedings. This research project contributes with knowledge about these mechanisms and how they may make it more difficult to break social and economic exclusion by answering the following research question: How repressive are the foreclosure proceedings at Kronofogden?
It is important to understand when and why foreclosure becomes repressive because it may reduce the possibilities to exit overindebtedness as the homeowner’s social network is reduced and their social trust is lowered. Today we have limited knowledge about the mechanisms that make the exercise of public authority unintentionally repressive. The knowledge is relevant for public authoritative proceedings both in Sweden and internationally. The authorities may use this knowledge to adapt their handling protocol to avoid future repression. (Less)
Please use this url to cite or link to this publication:
https://lup.lub.lu.se/record/c4c5771a-3b07-4025-a6eb-3f13ae65019e
- author
- Dahlstrand, Karl
LU
; Bergwall, Peter
LU
and Lundholm, Mikael
LU
- organization
- alternative title
- Mindre repressiv och mer rättvis tvångsförsäljning av bostad - Evidens från randomiserat experiment hos Kronofogden gällande möjligheterna att bryta ekonomiskt utanförskap
- publishing date
- 2023-03-22
- type
- Contribution to conference
- publication status
- in press
- subject
- keywords
- Foreclosure, Swedish Enforcement Authority, Overindebtedness, Justice, Norms, Randomized Controlled Trial
- conference name
- RCSL - Law, Society and Digital Pasts, Presents and Futures"
- conference location
- Lund, Sweden
- conference dates
- 2023-08-30 - 2023-09-01
- project
- Hur påverkar tvångsförsäljningsförfarandet hos Kronofogden gäldenärernas rättviseuppfattningar?
- language
- English
- LU publication?
- yes
- id
- c4c5771a-3b07-4025-a6eb-3f13ae65019e
- date added to LUP
- 2023-03-23 17:27:28
- date last changed
- 2023-03-24 07:38:08
@misc{c4c5771a-3b07-4025-a6eb-3f13ae65019e,
abstract = {{Homeowners are facing worse personal finances with high inflation and increasing interest rates. New groups are at risk of overindebtedness and foreclosure. The entire household, including children, are affected by worse health and well-being. This leads to large societal costs. Hence, it is imperative to break the negative cycle of overindebtedness for these households. Foreclosure is enforced by Kronofogden (the Swedish Enforcement Authority) and aims to pay the debts. However, an unintended consequence may be that foreclosure is perceived as repressive. The degree of repression depends on how Kronofogden handles the proceedings. This research project contributes with knowledge about these mechanisms and how they may make it more difficult to break social and economic exclusion by answering the following research question: How repressive are the foreclosure proceedings at Kronofogden?<br/><br/>It is important to understand when and why foreclosure becomes repressive because it may reduce the possibilities to exit overindebtedness as the homeowner’s social network is reduced and their social trust is lowered. Today we have limited knowledge about the mechanisms that make the exercise of public authority unintentionally repressive. The knowledge is relevant for public authoritative proceedings both in Sweden and internationally. The authorities may use this knowledge to adapt their handling protocol to avoid future repression.}},
author = {{Dahlstrand, Karl and Bergwall, Peter and Lundholm, Mikael}},
keywords = {{Foreclosure; Swedish Enforcement Authority; Overindebtedness; Justice; Norms; Randomized Controlled Trial}},
language = {{eng}},
month = {{03}},
title = {{Less repressive and fairer foreclosure. Evidence from a randomized experiment at Kronofogden regarding the possibilities to break economic exclusion}},
url = {{https://lup.lub.lu.se/search/files/141252170/Less_repressive_and_fairer_foreclosure.pdf}},
year = {{2023}},
}