Cancelling claims
If you have claims and debts to the public sector that you're unable to pay, you can apply to have all or part of your debt deleted. This is called waiving of debt.
The conditions for having claims cancelled or waived are very strict, but in some cases we can delete all or parts of your debt.
The collection continues until the case is settled
Be aware that 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.
Who does this apply to?
This applies to you if you're unable to pay your claims in the long term, or if you’ve been unable to pay your claims for a number of years.
How to apply
You can apply to have all or part of your debt deleted.
The application must include a payment proposal, and it should include all your claims with us.
To be able to grant your application, we’ll assess whether
- your payment proposal provides equal or better debt coverage than we would obtain by continuing collection
- waiving the claims will not be offensive or likely to reduce the general willingness of the public to pay outstanding debts
Apply to cancel a claim:
The application must state clearly what it concerns. If you have a cohabiting partner that you do not have children with, you must include this information.
In addition, you must provide any supporting documents that are relevant for your situation, such as:
- a rental agreement or repayment plan for your mortgage
- bills for childcare, municipal taxes, and home insurance
- an overview of any other debt
- a confirmation of receipt or payment of maintenance payments
- a decision of granted housing allowance or financial assistance
- a decision from Nav, for example, a disability decision or participation in an employment scheme in connection with a work assessment allowance (AAP)
- a confirmation from qualified health professionals of lasting health issues and the resulting reduced ability to pay (not required if you’ve included a disability decision)
- a valuation or appraisal of real property/residential property
- proof of the value of other assets, such as a cabin, car, or boat. This could be in the form of a valuation, price estimate, purchase receipt, or similar.
You do not have to provide proof of:
- income and tax assessment for yourself or your spouse/cohabiting partner, if any
- cost of living expenses
Specific information regarding
You must prove the illness or other reasons that have resulted in permanent payment difficulties.
If your claim is more than 10 years old, you can apply for cancellation without having to propose a payment plan.
If you have serious debt problems
If you have large debts to other creditors as well as to the Tax Administration, you should apply for a joint agreement with your creditors, a debt settlement.