A debt collection letter can be stressful, but it doesn't mean the end of your options. Solve it in Polish – without stress and unnecessary formalities. We'll show you how to assess your situation, what solutions are available, and which path to choose to effectively get rid of your debts.
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What does the debt collection process look like in Norway? A simple and clear explanation
1. Overdue Notice (Inkassovarsel)
This is an official letter informing you that if you do not settle the outstanding payment within 14 days, your case may be handed over to a debt collection agency.
2. Demand to Settle the Debt
After the case is transferred, you receive a document from the debt collection agency (Betalingsoppfordring). At this stage, additional fees and interest begin to accrue.
3. Negative Entry in the Debtor Register
If the debt remains unpaid, an entry (Betalingsanmerkning) appears in the debtor database. The result of this is that it becomes more difficult to get new loans, leases, and other financial services.
4. Enforcement by a Bailiff (Namsmannen)
Ultimately, if the case is unresolved, the debt collection can be handed over to a bailiff, who has the right to seize a portion of your income to recover the debt.
How can you manage your debts and debt collection? Effective methods
Refinancing with a mortgage
If you own property in Norway, you can consolidate your expensive loans and obligations into a single, more favorable mortgage. This is often the most effective way to reduce installments and organize your finances.
Free support call
Unsure how to get started? Arrange a free, discreet consultation with our Polish-speaking specialist, who will assess your situation and prepare a plan tailored to your needs.
Free review of your obligations
Thanks to our GjeldsMonitor application, you can quickly check the full list of your debts and get an official creditworthiness assessment in Norway – all completely free of charge.
Can I negotiate terms with a debt collection company?
Yes, it's worth trying to negotiate. Debt collection companies are often open to setting up a repayment plan tailored to your financial situation. You can propose lower installments or extending the debt over a longer period. However, it's best to do this in consultation with an expert to find the best solution.
What does debt statute of limitations look like in Norway?
In Norway, consumer debts generally expire after three years from the due date, but there are exceptions and legal details that can affect this period. It's important to pay attention to any formal debt collection actions, which can "interrupt" the statute of limitations period.
What happens to my debt if I return to Poland?
A debt in Norway still remains valid and does not disappear upon your return to Poland. Norwegian debt collection companies can continue to take action against you, and in some cases, may attempt to enforce the debt through Polish institutions. Therefore, it's a good idea to settle your obligations or seek help from specialists.
What is the gjeldsordning process?
Gjeldsordning is an official, court-supervised method for debt restructuring in Norway. It allows individuals in a difficult financial situation to obtain a repayment plan that is realistic to execute and results in the forgiveness of the remaining portion of the debt after a specified period. The process is complex and requires professional support.