Payment agreements for repayment of benefits
We can help you by setting up a payment agreement if you’re unable to pay the full amount at once. It’s important that you uphold the agreement so that your claim does not proceed to enforcement proceedings and a deduction in 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.
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.
- The monthly amount must be at least NOK 2,000 for claims between NOK 100,000 and 120,000
- 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.