Before an attachment on assets 

To order an attachment on your assets, we must first carry out attachment proceedings to determine how to cover the claim you owe. We’ll usually notify you before we carry out the attachment proceedings. 

We can place an attachment on your assets

We can place attachments on real property, such as houses, holiday homes or plots of land. We can also place an attachment on bank accounts, securities, vehicles, boats or other valuable moveable property. The main rule is that we can place attachments on all of your property and assets. You’re obliged to inform us of all your assets on which we can place attachments.

We’ll never place attachments on more assets than are needed to cover our claim.

For private individuals, we do not place attachments on

• ordinary clothes, home contents or other personal objects as long as they do not have a high monetary value
• money to cover the necessary costs of living until you receive your next salary, pension or benefit payment
• vehicles worth less than 2/3 G if you need the vehicle for work or education.

If we place an attachment on your assets, you’ll get a mark on your credit record.

Attachment placed on a bank account

If we place an attachment on a bank account, the account will be blocked for the relevant amount.

We request that you send us an authorisation allowing us to withdraw the blocked amount from your account. Use the authorisation form we have sent you in relation to the attachment proceedings. Then you’ll avoid us forwarding your case to the enforcement officer (namsmannen) and paying an extra fee for the transfer of the amount to us.

Forced sale

When we place an attachment on your assets, we can use the attachment as a basis for a forced sale to cover your unpaid claims. We’ll forward your case to the enforcement officer or the district court, which will conduct the forced sale.

Appealing an attachment placed on assets

As a main rule, you can appeal the attachment placed on assets until we’ve requested a forced sale of the attached asset. 

Deadlines for appealing can vary from case to case. You’ll find the appeal deadline regarding your case in the letters you receive from us.