Application for out-of-court debt settlement

If you have serious debt problems and want to look at possibilities for a solution, you can apply for an out-of-court debt settlement. Here you will find information and application forms.

Application for out-of-court debt settlement

What is out-of-court debt settlement?

Before you can apply for a debt settlement with the bailiff, you should on your own have tried to get an out-of-court debt settlement. The scheme must cover all creditors.

By out-of-court debt negotiation is meant a renegotiation of debt obligations that are not regulated by the Debt Settlement Act or the Bankruptcy Act. By out-of-court debt settlement is meant a not specifically regulated and voluntary payment arrangement between the debtor and his creditors.

How can I apply for out-of-court debt settlement?

If you need help designing a proposal for a solution, you can contact the financial adviser in your municipality. The municipality has, as far as possible, a duty to assist a debtor who is trying to reach an out-of-court debt settlement with his creditors, cf. the Debt Settlement Act § 1-5.

NAV Financial and debt counseling is in addition to the municipalities' debt counseling; tel: +47 55 55 33 39. Here you can get help with getting an overview of your financial situation and get general advice on your debt problems.

Application form

If you wish to submit a proposal for an out-of-court debt settlement on your own, please complete the application form for an out-of-court debt settlement and attach the necessary documentation required for us to be able to assess your case. Application forms and documentation must be sent to

Do you have questions about out-of-court debt settlement? Please contact us!

Debt settlement

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