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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.

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At afgive insolvenserklæring i fogedretten betyder: at du under strafansvar har erklæret, at du ikke ejer noget, der kan gøres til genstand for udlæginsolvenserklæring. 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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