There are many reasons why you may find yourself in a situation where a bill has been sent to a debt collection agency. Fortunately, there are several things you can do to regain control. If you have a bill that has been sent to a debt collection agency, it is a good idea to deal with it as soon as possible. We want to help you resolve the matter, and here is some advice on how to do so: Familiarize yourself with your case First and foremost, it is important to find out who the claim is from and how much it is for. Also check what the claim is for. If you have a debt collection claim with us, you can log in to the Customer Portal and get an overview of your case. If you are able to pay the debt collection claim, it is advisable to do so immediately. In the Customer Portal, you can find payment information and a direct link to our payment solutions. If the amount is too large to pay in full at once, you can split the payment or postpone the payment deadline. Do you need more information about the bill and the case? If you need more information about the claim and the bill, you can view a copy of the invoice in the Customer Portal and get an overview of the letters or messages we have sent you. You can also get an overview of the costs that have been incurred and when the next ones will be incurred. Do you need more information about the debt collection process? It is not always easy to understand everything that happens in a debt collection process or what the various terms mean. We have tried to explain the debt collection process and everything that happens and can happen in our FAQ, so that you can understand this a little more easily. This FAQ is available to you when you log in to the Customer Portal, where you can easily search for what you want to know. Follow up on the case If you have registered a repayment agreement or deferral with a payment deadline, you should make sure that you pay the installments or the amount on time. If not, the agreement will be canceled and you will have to pay the entire remaining claim. This may also incur additional costs. Get help with financial routines Debt collection is not the end of the world, but if you receive several claims, you should contact someone who can help you establish good financial routines. There are many websites that can help you, and you can also contact NAV for assistance. Do you disagree with the debt collection claim? Remember to notify the seller of the goods or services, or us directly, if you disagree. If there is disagreement about the claim, it is important to engage in dialogue so that you, the seller, and we can find the best possible solution together. If you wish to register an objection, you can do so by logging in to the Customer Portal.

Debt collection primarily means that unpaid bills become more expensive. Here are some simple tips to avoid debt collection: Familiarize yourself with the terms and conditions for cancellation, return policy, and similar before ordering goods or services. Do not buy/order things you cannot really afford. Set up a budget for your finances and set aside money for savings. Pay your bills on time. Use direct debit, e-invoicing, and the fixed payment solutions offered by your bank. If you are unable to pay, remember to let them know! Many creditors want to resolve the matter and, not least, keep you as a customer. A debt collection process can often be avoided or made easier if there is good communication. Notify them if you move. Most creditors require you to notify them of your new address if you move, and very few receive updates directly from the National Population Register. You are responsible for ensuring that you receive mail at the addresses you have provided. Therefore, make sure that both your physical mailbox on the street or in the stairwell is clearly marked and that your email address is working. If you have provided a phone number and you change it, it is important that you also notify them of such changes. Contact the creditor immediately if you disagree with a claim. Misunderstandings can arise, but the longer you wait, the more difficult it is to resolve them. In some cases, you may not have received the goods or services you purchased. In other cases, the goods or services may not have been of the agreed quality. It is important that you notify the seller and us of such issues quickly in order to avoid additional costs, time, and energy for both parties. Read more about your obligations and rights as a customer on Forbrukerrådet.

If you believe that we have made a mistake in the debt collection process, we would like to know about it so that we can correct the error. If you are a private individual and would like to file a complaint about our case handling, you can do so in the Customer Portal. We would appreciate it if you could register your complaint as soon as possible, and we will send you a response. Complaints about us concern our handling of the debt collection case and any breaches of the Debt Collection Act relating to good debt collection practices, calculation of fees (debt collection costs to the debt collection agency), collection of disputed claims, etc. If you do not receive a satisfactory response from us, you can contact The Norwegian Financial Services Complaint Board. Please note that they do not take a position on whether the main claim is correct. If you are a business owner and wish to complain about parts of our case handling, we ask that you also do so via the Customer Portal. If you do not receive a satisfactory response, you can contact The Financial Supervisory Authority of Norway.