Financial Counseling

If you have payment or debt problems, the municipality can offer financial counseling. You should first attempt to reach an agreement with your creditors on your own. However, you can receive assistance in creating a realistic budget, negotiating with creditors, and establishing a debt settlement agreement. NAV has also set up a nationwide telephone service to provide basic guidance.

Hjelpetilbud i kommunen
Økonomi- og gjeldsrådgivning i NAV
Gjeldsordningsloven - veiledende livsoppholdssatser

This is a legally mandated service. See:
Gjeldsordningsloven § 1-5 The municipality’s obligation to assist individuals with severe debt problems
Lov om sosiale tjenester i NAV § 17 Information, advice, and guidance.

Sosialtjenesteloven
Forvaltningsloven
Forskrift om livsoppholdssatser
Gjeldsordningsloven

To receive the best possible assistance from a financial counselor, it is important to provide enough information to give them a complete and accurate picture of your financial situation. The following documents may be required:

• Most recent tax assessment
• Balance of all accounts
• Copy of rental or sublease contract as proof of housing costs
• Income and benefits documentation for the past three months
• Documentation of any housing allowance
• Information about loans, credit debt, etc.
• Receipts for rent and electricity payments
• Expenses for medical services such as doctor, physiotherapist, chiropractor, dentist, etc.
• Childcare costs, including kindergarten, after-school programs, or babysitting
• Insurance expenses
• Information about savings or investment plans

The municipality must process your case as soon as possible.