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Er en debitor ikke i stand til at betale sine regninger efter flere rykkere, så kan der søges om at blive erklæret insolvent med en insolventerklæring. Man kan søge om en insolvenserklæring hos fogedretten. De vil vurdere, hvorvidt en debitor ejer nok værdi til at kunne betale kreditorer.

En insolvenserklæring og insolvens er ikke det samme. Insolvens beinsolvenserklæringtyder, at en skyldner ikke kan betale fakturaer og andre krav, efterhånden som de forfalder, medmindre denne manglende evne til at betale blot er midlertidig.

At afgive insolvenserklæring i fogedretten betyder: at du under strafansvar har erklæret, at du ikke ejer noget, der kan gøres til genstand for udlæg. Afgivelse af en insolvenserklæring får normalt den virkning, at fogedretten i en periode på 6 måneder ikke på ny kan indkalde dig.

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