I'm just a soul whose intentions are good - narratives in applications for debt reconstruction in Sweden

The aim of the present study is to deepen the understanding of over-indebted persons' ways of describing the causes of their debts and the part they and others played in the emergence of the problematic situation, in their written communications with public authorities with influence over the debt-reconstruction process. The method was a qualitative multiple-case-study design with a purposive, cross-sectional sample consisting of personal letters attached to debt reconstruction applications submitted to the Swedish Enforcement Agency. The results reveal three main ways that applicants present their cases: Attributing responsibility to oneself, Avoiding the question of responsibility, and Attributing responsibility to others. The authors suggest that the results can be used in social work to help over-indebted people to understand and present their problems in a way that restores their vulnerable identity and allows them to counteract interpretations of them as having acted irresponsibly regarding their finances.