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Debt law

Jussbuss provide legal assistance for people with debt problems. There is no shame in owing more money than you are able to pay. Yet, it is important to take action if you find yourself in this situation. In this process, many find legal aid helpful. Therefore, Jussbuss offers free legal aid on debt issues.

Before getting legal help with negotiation with creditors or with enforcement agencies, it is helpful to have an overview of your personal finances. Jussbuss can unfortunately not provide this service directly. On this matter, however, you can do a lot on your own. In addition to this, NAV offers advice on personal finances (se more below).

After getting an overview of your personal finances and debt, Jussbuss can help you negotiate, apply for debt restructuring or ensure that enforcement of the debt is done in the correct manner.

We can also help if you have been scammed, or if someone is claiming that you owe them money that you don’t owe.

We want you to know that our door is always open for people who struggle with debt. Even if you do not have an overview of your financial situation, do not hesitate to call or show up at our offices. We will always try to help as well as we can, even if we cannot resolve your issues right away. If we are not able to help you, we often know who you can contact to get help.

Below are some frequently asked questions. There may be other questions that aren’t discussed here, and we strongly recommend that you contact us or read our brochure if you have questions about your particular case. You will find our brochures on the bottom of this page.

If you would like our help with a case concerning debt, please click here for more information about how to reach us.

Frequently asked questions

Is it dangerous to loan money or use credit cards?
No. One should, however, be aware that banks and credit card companies are not lending money to be nice. They want their money back with interest. It has become common among certain companies to lend a large amount of money at very high interest rates. They are skilled at marketing, but less concerned with informing their customers about the risks you take when loaning money. Loaning money is therefore always something you should think through carefully.

I do not know who I owe money to, and how much. What to do?
The most difficult, yet most important part, is getting started. Call us during case intake, and ask us how to start. You can also contact your local NAV office and ask for a financial advisor, or call 55 55 33 33 for financial advice from NAV.

I have heard that my creditors can deduct from my salary or take things I own and sell them. Is this true?
This is both true and untrue. It is not the case that a creditor or a debt collector on their own can take your things or deduct from your salary. They can, however, apply to the government for the enforcement authorities to do this. There are four enforcement agencies in Norway.

  1. Namsfogden. Namsfogden is part of the police, and is responsible for enforcing claims on behalf of private creditors, like banks and credit card companies.
  2. Statens Innkrevingssentral (SI). SI is responsible for enforcing claims on behalf of most parts of the government, like traffic tickets and the TV-license fee.
  3. The tax office. A particular part of the tax office, named Kemneren, is responsible for enforcing unpaid taxes. In Oslo, they also demand money on behalf of the public housing company Boligbygg.
  4. NAV Innkreving. NAV Innkreving is a part of NAV, and is responsible for enforcing claims from the welfare authorities, like child support.

Do I have to pay all that I owe?
The short answer is yes. And as long as you don’t pay, the debt will grow because of interest and other collection fees. However, creditors will sometimes agree to erase some of the debt after negotiations.

There is also something called gjeldsordning (debt restructuring). This is a process where you pay as much as humanly possible over a five to seven year period, and then the rest of the debt is forgiven. However, very few qualify for gjeldsordning. You can read more about gjeldsordning in our brochure, or contact us during case intake.

What if someone is demanding money from me, and I don’t agree that I owe money?
If this is happening to you, you should protest to the creditors. Read more about this in the brochure or call us during case intake.

How does one avoid being scammed?
The most important thing in this regard, is to never ever give away your Bank-ID and its password! This type of identity theft has become common in recent years. If you are subjected to these types of scam, you should contact the police, your bank and the creditors. You can also contact us during case intake.

 

Brochures

Managing debt