U voorkomt invorderingskosten, mits u kwijtschelding krijgt.

U / u is the formal Dutch word for you. It is used in polite, official, and administrative language.

It can refer to:

• one person politely
• more than one person in a formal way

In this sentence, that fits the formal tone of a government or billing letter.

Also, because U is the first word of the sentence, it is capitalized anyway. So from this sentence alone, you cannot tell whether the writer is using special polite capitalization or just normal sentence-initial capitalization.

With u, Dutch normally uses the same present-tense verb form as hij / zij / het.

So you get:

• u voorkomt
• u krijgt

not u voorkomen or u krijgen.

For an English speaker, this can feel strange because English you does not change the verb much, but Dutch does.

Here voorkomt comes from voorkomen, meaning to prevent or to avoid.

So U voorkomt invorderingskosten means something like:

• You avoid collection costs
• You prevent collection fees from being charged

Be careful: voorkomen can also mean to occur or to appear, depending on context. In this sentence, it clearly means prevent/avoid, not occur.

Invorderingskosten is a compound noun:

• invordering = collection of money owed, debt recovery
• kosten = costs

Together, it means collection costs, collection fees, or debt-recovery charges.

This is very typical Dutch: official language often combines several ideas into one long noun.

Mits means provided that, on condition that, or as long as.

It is more formal and more restrictive than als.

• als = if
• mits = provided that / but only if

So mits suggests a condition that must be met.

In official writing, mits is very common. In everyday speech, many people would more often use als or op voorwaarde dat depending on the situation.

Because mits is a subordinating conjunction.

In Dutch subordinate clauses, the finite verb usually goes to the end. That is why you get:

• main clause: U krijgt kwijtschelding.
• subordinate clause: mits u kwijtschelding krijgt

So the pattern is:

mits + subject + object + verb

This is standard Dutch subordinate-clause word order.

In this kind of official context, kwijtschelding means a waiver, remission, or cancellation of a payment obligation.

For example, if a municipality, tax office, or other authority grants kwijtschelding, it means you do not have to pay all or part of a bill, fee, or debt.

So this is not the everyday emotional idea of forgiveness. It is a financial or legal term.

Because Dutch often uses krijgen in places where English would prefer:

• be granted
• receive
• sometimes a passive construction

So u kwijtschelding krijgt is best understood as:

• you are granted a waiver
• you receive remission

Literal get is not wrong, but in English it can sound less formal than the Dutch original.

Yes. The sentence sounds clearly official and administrative.

The formality comes from words like:

• u
• mits
• invorderingskosten
• kwijtschelding

A more everyday version might be:

U hoeft geen invorderingskosten te betalen als u kwijtschelding krijgt.

That says roughly the same thing, but in plainer Dutch.