Debt settlement scheme
If you have serious debt problems, a debt settlement scheme can give you the opportunity to gain control over your finances.
A debt settlement is a scheme between you and the creditors in order for you to pay as much as possible of your debt in a limited period, so that the all or parts of your remaining debt can be deleted. Debt settlement schemes may also be used for debt to the public sector.
You can contact NAV for financial advice and debt counselling.
A debt settlement scheme may be either an out-of-court agreement or a legal scheme (debt settlement scheme according to the Debt Settlement Scheme Act (gjeldsordningsloven)). As a main rule, you may not apply for a debt settlement scheme in accordance with the Debt Settlement Scheme Act before you have tried reaching an out-of-court agreement with your creditors.
Out-of-court debt settlement scheme
If you wish to apply for an out-of-court debt settlement scheme, you must present the same application to all your creditors.
If the Tax Administration is one of your creditors, we’ll consider the application in accordance with the rules that enable us to grant a payment agreement or to delete (waive) all or parts of the claim. Different rules apply depending on the type of claim, and there are some claims that we cannot waive.
We cannot cancel (waive) all or part of a claim resulting from a criminal case.
If you wish to apply for an out-of-court debt settlement scheme for a claim resulting from a criminal case, you must:
- know who you owe money to and how much
- have an overview of your income and expenses
- propose a stipulated budget showing how much you’re able to pay your creditors
- present a plan of how you're going to pay the full claim resulting from a criminal case
- propose a time period for the debt settlement scheme
- present the same proposal for repayment to SI and your other creditors
Log in to My page if you need to get an overview of the claims from SI.
If you wish to apply for an out-of-court debt settlement scheme, you must:
- know who you owe money to and how much
- have an overview of your income and expenses
- propose a stipulated budget showing how much you’re able to pay your creditors
- propose a time period for the debt settlement scheme
- present the same proposal for repayment to SI and your other creditors
Log in to My page if you need to get an overview of the claims from SI.
Legal debt settlement scheme
If you wish to apply for a debt settlement scheme in accordance with the Debt Settlement Act, you must send an application to open negotiations to the enforcement officer (Namsmannen).
The enforcement officer is part of the police and has the authority to collect claims using enforcement actions. They are also responsible for assisting you regarding a legal debt settlement scheme.
Read more about the legal debt settlement scheme and how to apply to the police.