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Financial and debt counselling

Draft, translated: translated from the Norwegian original with the help of a language model, and may contain errors. The Norwegian version is the authoritative one. See the Norwegian original →

NAV offers free counselling if you have problems with money or debt. How to get in touch, what to bring, and what a debt settlement is.

Norwegian original last checked against official sources: 21 September 2026. Rules and figures change, so always check the official site before you act.

Do you struggle to make your money last, or is your debt growing? NAV offers free financial and debt counselling. The service is open to everyone, and it pays to reach out early.

What can you get help with?

An advisor can help you get an overview of your finances, make a realistic budget, reduce expenses, negotiate with creditors and, where relevant, apply for a debt settlement.

How to get in touch

  • Call NAV's financial and debt counselling on 55 55 33 39 (weekdays 09:00 to 15:00).
  • Or contact your local NAV office and arrange a meeting.

What should you bring?

  • Income: bank statements, pay slips and NAV payments for the last three months, and tax returns for the last three years.
  • Expenses: your rental contract, insurance policies, and health and childcare costs.
  • Debt: an overview of loans, a debt register printout, debt collection claims and payment letters.

What is a debt settlement?

A debt settlement (gjeldsordning) is an arrangement where you pay what you can manage of your debt over a set period, usually five years. After the period, you are generally debt-free. You apply to the enforcement authority (namsmannen). Your advisor at NAV can help you assess whether this is relevant for you.

Other useful services

  • The Debt Register (Gjeldsregisteret) shows your consumer debt.
  • The Debt Collection Register (Inkassoregisteret) gives an overview of debt collection cases.
  • The Financial Services Complaints Board (Finansklagenemnda) handles complaints about banks and insurance companies.

If you need emergency help right now, see Economic social assistance.

Sources

Kontaktpunkt24 gives general information, not legal advice. If you need help with your own case, contact a lawyer, a legal aid service, or the relevant authority.

This page is translated from Norwegian with the help of a language model, and may contain errors. The Norwegian version is always the authoritative one.