If your outstanding balance is not paid by the due date of the last reminder, the debt is sent to collection.

No, once the debt is sent to collection, you will have to contact the debt collection agency directly for payments, questions and settlement information.

You can find contact information for the collection agency printed on your debt collection letter.

Good to know: If a payment is late, you will not be able to continue using Klarna until you’ve paid off your debt. Late payments might also be reported to the credit bureaus.

• What happens if I can’t pay on time?

• Why was I charged a late fee?

• How can I avoid late fees?