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Debt relief


Who can apply for debt relief in Norway?

If you are unable to reach an agreement with your creditors, you can apply for debt relief in Norway. You can apply for it no matter what your debt problems are. The law provides that only people with serious debt will be able to regain control of their financial situation by entering into a debt repayment agreement. In order to determine whether the debtor is permanently unable to meet his financial obligations, first of all his income, expenses and property are taken into account. The law requires that the debtors’ solvency problems should be permanent. Therefore, it is not enough that we do not have enough time to pay the bills from time to time.

As a rule, it cannot be expected that the debt will be paid more than once.


What is debt relief in Norway?

Debt relief in Norway (norwegian gjeldsordning) is an agreement between you and your creditors on how to pay off as much of your debt as possible over a limited period of time, usually 5 years, against debt relief. The agreement can also cover debts to the public sector and can usually only be made once in a lifetime. The amount owed to creditors is calculated on the basis of the debtor’s expenses and income.


What can you count on?

A thorough analysis of your financial situation

Prepare a debt recovery strategy

Possibility to enter into an arrangement with creditors

Constant contact throughout the debt relief procedure


Suspension of enforcement proceedings from the date of the announcement of "Gjeldsordning"

Financial liabilities are not only unpaid loan installments. It also includes unpaid liabilities towards other institutions or companies that have initiated enforcement proceedings against you. You can probably get along with many of them without any problems and cancel the debt. If you don’t know how to do it – let us do it for you.