Get an overview of your debts

Review and organize your bills.
Retrieve your tax return. Check which claims are listed there.
Obtain an overview of debts you have with debt collection agencies. The Debt Collection Register provides information about your unpaid bills that have been sent to collection. There, you can also find details about credit and consumer debt.
Do you have claims from the Collection Authority (in the Norwegian Tax Administration)? See the Norwegian Tax Administration's pages regarding payment and collection.

Financial Counseling from NAV

You can receive assistance and guidance from a financial and debt advisor at NAV. This service is free of charge. Contact your local NAV office or call 55 55 33 39 for advice

Conditions for Debt Settlement

You must be permanently unable to repay the debt. The Enforcement Officer calculates how long it would take you to repay your debts. If the repayment period is excessively long, you may qualify as "permanently unable" to pay off your debt. You do not meet the conditions for debt settlement if your financial difficulties are temporary.
Debt settlement must not appear offensive to others. The Enforcement Officer assesses this. The age of the debt is an important factor in this evaluation. If you have a significant amount of new debt, this may disqualify you from obtaining a debt settlement. In such cases, you should wait to apply until the debt is older. Do you have criminal debts or large tax and fee liabilities? These will also be considered when determining whether a debt settlement might appear offensive to others.

Do You Live Abroad?

You can apply for a debt settlement even if you live outside Norway. However, you will need to provide more information about your case and gather the necessary documentation yourself for the Enforcement Officer to process your application. This is because the Enforcement Officer cannot obtain information from foreign registers or individuals.

You can only have a small amount of debt to foreign creditors. As a general rule, you cannot own property or have significant assets abroad.

1Before you Apply

2How to Apply

3Processing of the Application

4How to Appeal