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Når en skyldneinsolvenserklæringr under en fogedsag viser sig ikke at have nogen aktiver, kan der afgives en insolvenserklæring. Tidligere fredede denne erklæring debitor mod nye fogedsager i seks måneder. Med de nye regler er denne fredningsperiode nu udvidet til tolv måneder.

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

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