Have you been deceived into giving money in a romantic relationship? You’re not alone. Romance fraud – where someone pretends to be in love to gain financial benefit – is becoming increasingly common. When the truth comes out, many victims are left emotionally devastated and financially drained.
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However, there are legal options available in Sweden. This article explains how legal expenses insurance (rättsskydd) and state legal aid (rättshjälp) can apply in civil claims for repayment or damages – and why you must take the first step yourself by contacting a law firm.
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A Brief Note on Romance Fraud
Romance fraud occurs when a person builds a false relationship – often through online dating or social media – with the goal of manipulating someone into sending money. Victims are led to believe the relationship is real, and willingly transfer funds.
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When the truth is revealed, many victims are unsure what to do next. But under Swedish civil law, it is often possible to pursue a legal claim for repayment or damages.
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Legal Expenses Insurance (Rättsskydd) – Applies to Civil Claims in Sweden
Most home insurance policies in Sweden include legal expenses coverage (rättsskydd). This insurance can help cover legal costs if you bring a civil claim – for example, if you sue someone to recover money lost through deception.
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To use rättsskydd, the following is typically required:
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You’ve held your home insurance for a certain period (usually at least 2 years)
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The dispute concerns more than 15,000 SEK
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The matter is a civil claim, not a criminal prosecution
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Important: You must contact a Swedish law firm yourself. The lawyer will assess your case and apply for legal expenses coverage from your insurance company. It is not automatic.
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State Legal Aid (Rättshjälp) – If Insurance Is Not Available
If you don’t have home insurance or if your insurance does not cover your case, you may be eligible for rättshjälp, or legal aid from the Swedish state. This also applies only to civil legal matters, such as claims for repayment or damages.
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To qualify for rättshjälp in Sweden, you generally need to:
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Have an annual income below approximately 260,000 SEK
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Lack access to legal expenses insurance
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Have a legal issue that merits assistance
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Pay a portion of the legal costs yourself (a legal aid fee)
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Again, you must contact a lawyer in Sweden to determine if you qualify and to apply for legal aid. The lawyer will submit the application to the Swedish Legal Aid Authority (Rättshjälpsmyndigheten) or a court.
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Legal Support Is Not Automatic – You Must Take the Initiative
Whether you are seeking insurance coverage or state legal aid, neither is granted automatically. It’s always the responsibility of the victim to initiate contact with a qualified Swedish lawyer, who will evaluate whether you have grounds for a civil claim and help you understand what financial support may be available.
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Summary: Take the First Step Toward Justice
Both legal expenses insurance and state legal aid may be available in Sweden if you pursue a civil case after romance fraud – for example, to recover lost funds or seek damages. But to access these options, you must actively contact a law firm and start the process.
