People with convictions often face financial challenges, which hinder desistance from crime as they have few legal opportunities to address their financial burdens. In some countries, those severely insolvent can apply for ‘debt settlement’ through Enforcement Authorities. This study explores whether such settlements are crime-preventative for people with conviction histories. Analyzing Swedish administrative data and a sample of 1,621 previously convicted applicants in 2016–17, we match and compare reconviction rates between approved and declined cases. Approved cases show much lower reconviction rates, but this effect diminishes rapidly, virtually disappearing within six months. These findings prompt a discussion of the helpfulness of debt settlements for people wanting to desist from crime. Implications for future research, policy, and practice are discussed.

Very little is known about whether a child’s delinquency can be related to a parent’s economic problems in terms of financial indebtedness. This would seem to be an important research gap, not least at a time when the repercussions of the 2008 global financial crisis are still being felt by many people. This study concerned boys and girls born in 2002 who had a parent with a registration date for a debt in the Swedish Enforcement Authority register between 2016 and 2017 (n = 3,284). We determined whether the adolescents had been convicted of a crime during the 3-year period when they were 15 to 17 years old, and compared their records with a sample from the general Swedish population (n = 16,435). Results from logistic regressions show that children who, at age 15 to 17, had a parent with debt problems were approximately one and a half times more likely to be convicted of a crime than children who were unexposed to registered debts of parents (OR = 1.55), irrespective of other well-established criminogenic risk factors observed prior to the parent’s date of registration at the Enforcement Authority. The results provide support for the notion that financial challenges and problems with creditors may be an important proximate risk factor of delinquency.

This study sets out to examine whether depressive morbidity varies by status of financial indebtedness of a spouse or cohabiting partner. For this purpose, individuals aged between 20 and 60 with a different-sex spouse/cohabiting partner with a registration date for a debt at the Swedish Enforcement Authority (SEA) during 2017 (n = 6979) are followed-up for a 2-year period for prescriptions of antidepressants and compared with a sample from the general Swedish population (n = 29,708). The analysis is based on penalized maximum likelihood logistic regressions. Both women and men were more likely to suffer from depressive morbidity if the spouse/cohabiting partner had been registered at the SEA in 2017 and was still active for a debt in the SEA’s register in 2018 (OR 1.31 and OR 1.57, respectively), irrespective of their own health, employment, socioeconomic status, and other background variables. This also held true for men if a wife/cohabiting partner had been registered at the SEA in 2017 but was no longer active for a debt in the SEA’s register in 2018 (OR 1.29). For women, on the other hand, only those with no history (11-year period) of prescription of psychotropic medications were also at an enhanced risk of depressive morbidity if a husband/cohabiting partner had gone from being registered for a debt at the SEA in 2017, to not being registered as active for a debt in the SEA’s register in 2018 (OR 1.24). The results reinforce the importance of acknowledging that negative effects of financial indebtedness extend beyond the individual debtor.

Background: Not much is known about whether paying unpaid debt is related to a reduced risk of suicidal behavior. Aims: To examine whether nonfatal suicide attempt varied by status of nonpayment of debt as registered at the Swedish Enforcement Authority (SEA). Method: People aged between 20 and 64 years with a registration date for an unpaid debt at the SEA during 2016 (n = 57,039) and registered as either active or inactive for a debt and/or a decision of debt reconstruction in the register in 2018 were followed up for a 2-year period for suicide attempt and compared with a sample from the general Swedish population (n = 301,714). Results: Those who were still active for a debt and/or a decision of debt reconstruction were about twice (Odds Ratio = 2.21) as likely to attempt suicide than those who no longer had an active debt in the SEA register. Limitations: The study was limited to suicide attempts that were registered as such in the National Patient Register. Conclusion: The results, based on unique nationwide register data, reinforce the importance of making tackling debt and financial distress part of current suicide prevention strategies. Professionals and others who interact with indebted people may be important gatekeepers in preventing suicide attempts.

Signs of Safety’s child protection approach has recently been criticized for lacking in theory when it comes to the part of the framework that deal with the involvement of social networks. The article explores if it is possible to respond to this critique with the help of Niklas Luhmann’s systems theory. Luhmann’s systems theory was shown to be aligned with core components in Signs of Safety hence offering a possible theoretical underpinning to the parts of the framework that deal with social networks. Furthermore, by allowing us to reflect about how the simplicity of Signs of Safety synthesizes considerable complexities, the result may also be of use to counteract current tendency to falsely confuse the frameworks ambition to simplify the bureaucracy surrounding assessments with a quest to simplify social work thinking. 

Background: Economic hardship is an established suicidogenic factor. However, very little is known about whether financial difficulties in terms of debt problems, specifically, is related to suicide. This would seem to be an important research gap, not least at a time when the repercussions of the global financial crisis are still being felt by many people. Aims: This study sets out to examine whether experiencing financial indebtedness is related to suicide. Methods: For this purpose, people aged between 18 and 64 with a registration date for a debt in the Swedish Enforcement Authority register between 2015 and 2017 (n = 180,842) are followed up for a 1-year period for death by suicide and compared with a sample from the general Swedish population (n = 928,265). The analysis is based on penalized maximum likelihood logistic regressions. Results: Those who had experienced financial indebtedness were two and a half times more likely to commit suicide than those who had not lived through this experience (OR = 2.50), controlling for several demographic, socio-economic, and mental health conditions prior to the date of the registration at the Enforcement Authority. Conclusion: Debt repayment problems have a significant and detrimental impact on individuals' risk of committing suicide, even when several other socioeconomic risk factors are controlled for. The results reinforce the importance of ongoing attempts to remove the issue of debt problem from its status as a rather hidden suicidogenic risk factor.

This study set out to explore whether financial indebtedness in young adulthood in Sweden can be traced back to school achievement. The study group consisted of young adults aged 20–30 years with a registration date for a debt at the Swedish Enforcement Authority register during 2017 (n=14,341). This group was compared with a sample of the general Swedish population matched by age, gender, and region of residence (n=59,992). The study used the Karlson/Holm/Breen method, based on conditional logistic regressions, and showed that the odds of financial indebtedness were higher given low overall grades compared to both medium (OR=2.01) and high (OR=4.10) overall grades in compulsory school. This detrimental impact of school achievement seems mainly to be a direct one, that is, less than 25% of its respective total effects was found to be mediated by later criminal status, ill-health, and restricted standard of living. Several sociodemographic factors as well as parental education were also adjusted for. These results suggest that young adults’ financial indebtedness might be yet another detrimental outcome of low school achievement in childhood, reinforcing the importance of on-going attempts to reduce the number of low-performing students in society.

This study sets out to explore whether experiencing financial indebtedness is related to alcohol-related mortality. For this purpose, people aged between 20 and 64 having a registration date for a debt in the Swedish Enforcement Authority's register during 2015 (n = 48,541) were followed up for a five-year period for alcohol-related mortality and were compared with a sample from the general Swedish population (n = 261,148). On the basis of logistic regression analysis, it is shown that people who had experienced financial indebtedness were almost two and a half times more likely to suffer from alcohol-related death than those who had not lived through this experience (OR = 2.43), controlling for several demographic, socio-economic, and health conditions prior to the date of the registration at the Enforcement Authority. The results provide support for the notion that debt repayment problems may, in itself, be an important indicator to consider in the study of alcohol-related harm. Consequently, debt counselling and other programs directed toward mitigating debt-related stress may play an important role in alleviating the adverse effects of indebtedness.