Payment agreements for claims from Helfo, the Guarantee Fund for Fishermen and most claims from NAV

We can help you with a payment agreement scheme if you’re unable to pay the full amount at once. It’s important that you follow up the agreement so that your claim does not proceed to enforcement proceedings and a deduction from your income.

Paying in instalments

You can apply to pay claims from Helfo, the Guarantee Fund for Fishermen and NAV in instalments. However, if NAVs final annual settlement of your disability benefit shows that you have been overpaid, you cannot pay this claim in instalments. 

 

Log in and submit RF-1374:

Paying in instalments

Requirements for paying in instalments

  • The monthly instalment amount must be at least NOK 500 for claims under
    NOK 18,000.
  • Claims under NOK 100,000 must be paid within three years.
  • Claims of NOK 100,000 or more must be paid within five years.
  • It’s important that you do not default on the claim. 

You may propose a monthly instalment sum above the minimum amounts. We’ll consider your proposal against our requirements. You cannot appeal the payment agreement.

Apply for a debt settlement scheme

If you have serious debt problems, a debt settlement scheme can give you the opportunity to gain control over your finances.

Two main criteria

There are two main criteria for being granted a debt settlement scheme:

  • You must be permanently unable to pay. This means that your financial problems are permanent and that you’re unable to repay the debt in the foreseeable future.
  • Your debt settlement proposal must not appear unreasonable or offensive to others.

More about NAV’s debt counselling

Apply for a cancellation of the claim

You may apply for a cancellation of claims from NAV, Helfo, and the Guarantee Fund for Fishermen.

For claims from NAV: Contact NAV to find out what you need to do.

For claims from Helfo: Contact Helfo to find out what you need to do.

For the Guarantee Fund for Fishermen: Contact the Guarantee Fund for Fishermen for information.

The collection continues until the case is settled

An application for the cancellation of a claim will usually not stop the collection process. The collection process will not be stopped unless your application is approved.