Safeguarding additional debt restructuring payments
Act amending the entry into force provision of the act amending the Act on the Adjustment of the Debts of a Private Person
Creditors' ability to demand additional payments from a debtor will be safeguarded in old debt restructurings. The change applies to situations where a payment schedule was confirmed before July 2022.
- Status
- Passed
- Submitted
- 13 Sep 2023
- Latest event
- 12 Oct 2023
- Votes
- 0
- Speeches
- 6
- Confirmed
- 20 Oct 2023
- Statute
- 973/2023
- Source
- eduskunta.fi ↗
What is proposed
A transitional provision will be added to the entry into force provision of the Act on the Adjustment of the Debts of a Private Person, according to which the previously applicable law will apply to applications to confirm additional payments under payment schedules confirmed before 1 July 2022.
What it means
The amendment prevents creditors from losing their right to apply to court for additional payments in situations where an earlier legislative amendment caused deadlines to expire prematurely. It affects creditors and debtors whose long-term payment schedule was confirmed before 1 July 2022. The act will enter into force in autumn 2023.
How Parliament voted
The bill passed without a vote – no MP proposed rejecting or amending it in plenary.
Debate in the chamber
What was argued and where each group stood, followed by MPs' speeches verbatim from the parliamentary record. Speeches are shown in their original language.
6 speeches · 5 speakers · 1 debate
Key points of the debate
The debate addressed a transitional provision to be added to the Act on the Adjustment of the Debts of a Private Person to safeguard creditors' right to claim additional payments in old debt restructurings. The proposal was regarded as a technical correction, and all parliamentary groups unanimously supported its adoption. At the same time, the broader need to prevent household over-indebtedness was discussed.
- Finns PartyIn favour
The proposal fixes a technical gap left in legislation and ensures that creditors have an equal opportunity to claim additional payments.
”Kysymys on teknisestä virheestä ja korjaamisesta eli puuttumaan jääneen siirtymäsäännöksen lisäämisestä aiemmin voimaan tulleeseen lakiin.”
— Leena Meri - Social DemocratsIn favour
Rectifying the missing transitional provision is a justified technical measure, which is hoped to proceed swiftly through parliamentary consideration.
”Kuten todettua, lakiesitys tai sen mukanaan tuoma muutos on tekninen ja koskee tätä puuttumaan jäänyttä siirtymäsäännöstä.”
— Eemeli Peltonen - Centre PartyIn favour
Rectifying the unclear legal situation is welcome, and at the same time it is important to continue work to prevent over-indebtedness.
”On hyvä, että tämä epäselvä tilanne lainsäädännössä korjataan, mutta haluan minäkin nostaa sen, miten paljon velkaantumisen eteen tehtiin viime kaudella.”
— Anne Kalmari - GreensIn favour
The technical change is necessary so that the application of legislation does not lead to a loss of rights and that the rights of both creditors and debtors are taken into account.
”Tämä nyt käsittelemämme esitys on luonteeltaan tekninen.”
— Maria Ohisalo
This digest was generated by AI from 6 speeches 13 Sep 2026. Group positions are read from the speeches, not from votes; quotations were checked verbatim against the record.
Keskustelu päättyi. Asia lähetettiin lakivaliokuntaan.
Stages of consideration
The bill's path from the preliminary debate to the decision, as recorded by Parliament.
- 13 Sep 2023Eduskuntakäsittelyn vireilletulo · Oikeusministeriö
- 27 Sep 2023Lähetekeskustelu · Täysistunto
- 28 Sep 2023Valiokunnan mietintö tai lausunto · lakivaliokunta
- 3 Oct 2023Ensimmäinen käsittely · Täysistunto
- 10 Oct 2023Toinen käsittely · Täysistunto
- 11 Oct 2023Eduskunnan vastaus ja kirjelmä
Decisions by law proposal1
- 1Laki yksityishenkilön velkajärjestelystä annetun lain muuttamisesta annetun lain voimaantulosäännöksen muuttamisestaHyväksytty · 973/2023 · 20 Oct 2023
Proposed law text
The law proposals in the bill as the Government presented them. The final act may differ after committee consideration.
The law text is shown in Finnish or Swedish from Parliament's official documents; it is not translated into English.
Laki yksityishenkilön velkajärjestelystä annetun lain muuttamisesta annetun lain voimaantulosäännöksen muuttamisesta
Eduskunnan päätöksen mukaisesti lisätään yksityishenkilön velkajärjestelystä annetun lain muuttamisesta annetun lain (389/2022) voimaantulosäännökseen uusi 6 momentti seuraavasti:
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Jos maksuohjelma on vahvistettu ennen tämän lain voimaantuloa, lisäsuoritusten vahvistamista koskeviin hakemuksiin sovelletaan 61 a §:n 1 momentin asemasta tämän lain voimaan tullessa voimassa olleita säännöksiä.
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Tämä laki tulee voimaan päivänä kuuta 20 .
Main content of the bill (official)
The summary and title were produced with AI on 13 Sep 2026. They are not official documents – check the details in the original bill. The title and summaries are machine translations of the Finnish AI summaries. Speeches and quotations are always shown in their original language.