The Debt Collection Act
LOV-1988-05-13-26 · 37 §§Debt collection: what must happen before a debt collection agency can demand payment from you, what fees they can charge and how to complain. Each section has the legal text (unofficial translation) and a plain-language explanation.
Machine-translated from Norwegian. The Norwegian text is the one that applies. Read in Norwegian.Norsk English العربية Polski Українська
§ 9Debt collection notice and payment deadline — you must always get 14 days§ 17When the debtor must pay debt collection costs
Chapter I — Scope, definitions, mandatory nature, etc.§§ 1 – 3 a
- § 1Which cases does the Debt Collection Act (inkassoloven) apply to?The Debt Collection Act only applies when someone is going to collect money you owe…
- § 2What exactly is a debt collection company?This section defines the most important terms in the debt collection industry. It…
- § 3The Act cannot be overridden for consumersThe Debt Collection Act (inkassoloven) protects you as a private individual (consumer…
- § 3aCan the debt collection notice be sent by email or text message?Yes, a debt collection notice (inkassovarsel) or a demand for payment…
Chapter II — Conditions for debt collection activities, etc.§§ 4 – 7
- § 4Who is allowed to run a debt collection company?To run a debt collection company (inkassoselskap) in Norway, the firm must be…
- § 5Personal requirements for those who carry out debt collectionThe people who run a debt collection agency (inkassobyrå) must be trustworthy. This…
- § 6The boss is responsible for making sure everything is done lawfullyWhoever has been granted a licence (bevilling) to run a debt collection company…
- § 7Collection of your own monetary claimsA company usually does not need a debt collection licence (inkassobevilling) to collect…
Chapter III — General clause on good debt collection practice§ 8
Chapter IV — Detailed rules on the debt collector's relationship with the debtor§§ 9 – 13
- § 9Debt collection notice and payment deadline — you must always get 14 daysBefore debt collection can begin against you, you must have received a written debt…
- § 10The demand for payment — what it must contain and what rights you haveAfter the deadline in the debt collection notice (inkassovarsel) has expired, the debt…
- § 11Duties before collection through the courts — what must happen before the case can go to courtThe debt collection company (inkassoselskap) cannot simply go to the enforcement…
- § 12Exceptions to the duty to give notice — when can debt collection skip the usual rules?Normally, the duty to give notice and the payment deadlines (betalingsfrister) in §§ 9…
- § 13The debt collector's authority — you can safely pay the debt collection companyYou can safely pay the debt collection company (inkassoselskap) — the payment is valid…
Chapter V — Detailed rules on the debt collector's relationship with the creditor§§ 14 – 16
- § 14The debt collector's right to act on behalf of the creditorThe debt collector (inkassator) can take ordinary and natural debt collection (inkasso)…
- § 15The debt collector must keep the creditor informedThe debt collector (inkassator) must keep the creditor (fordringshaver) updated on how…
- § 16The debt collector must keep client money separate from its own moneyWhen the debt collector (inkassator) receives money from the debtor (skyldner), the…
Chapter VI — The debtor's liability for costs, etc.§§ 17 – 21
- § 17When the debtor must pay debt collection costsAs a general rule, you must pay the necessary costs of debt collection (inkasso) if the…
- § 18Fees for invoices after the due date in consumer relationshipsIn a consumer relationship (forbrukerforhold), the party demanding payment cannot…
- § 19Regulation (forskrift) on fixed amounts for payment reminders and in-house collection (egeninkasso)§ 19 does not itself say exactly how many kroner you must pay. It gives the authorities…
- § 20Maximum limit for debt collection costsThere are limits to how much you can be charged in debt collection costs…
- § 21Costs when the debt collection case goes to collection through the courtsWhen the case moves on to collection through the courts (rettslig inndriving), the…
Chapter VII — Board handling of disputes in debt collection cases§§ 22 – 27
- § 22You can demand a complaints board review in debt collection disputesIn certain debt collection disputes, you can demand that the case be dealt with by a…
- § 23When the case is before the complaints board, it generally cannot go to court at the same timeWhen a debt collection dispute is being reviewed by the complaints board (nemnd), it…
- § 24The complaints board must report breaches of the Debt Collection Act to the Financial Supervisory Authority of NorwayIf the complaints board (nemnd) states that the Debt Collection Act (inkassoloven) has…
- § 25The debt collector may have to pay the complaints board's costs for breaching good debt collection practiceIf the debt collector (inkassator) breaches the requirement of good debt collection…
- § 26A complaint to the complaints board can interrupt the limitation period for the debt collection disputeWhen a dispute that the complaints board (nemnd) can deal with is brought before the…
- § 27Regulations on complaints board review in debt collection cases§ 27 gives the authorities the right to make more detailed rules on complaints board…
Chapter VIII — Confidentiality, security, supervisory authority and sanctions§§ 28 – 32
- § 28Duty of confidentiality and disclosure of information from the National Population RegisterDebt collectors (inkassatorer), employees, assistants and complaints board (nemnd)…
- § 29Debt collectors must provide securityA debt collection firm that, on a commercial and regular basis, collects overdue…
- § 30The Financial Supervisory Authority of Norway supervises debt collection businessesThe Financial Supervisory Authority of Norway (Finanstilsynet) supervises debt…
- § 30aComplaints about decisions by the Financial Supervisory Authority of Norway can be handled by an appeals boardThe Ministry can decide in a regulation (forskrift) that an appeals board (klagenemnd)…
- § 31When a debt collection licence can be revokedThe Financial Supervisory Authority of Norway (Finanstilsynet) can revoke a debt…
- § 32Penalties for breaching the Debt Collection ActSerious breaches of the Debt Collection Act (inkassoloven) can be punished with fines…
Chapter IX — Entry into force, transitional provisions and amendments to other acts§§ 33 – 35
- § 33When the Debt Collection Act comes into forceSection 33 is the commencement provision. It says that the Act starts to apply from the…
- § 34Which claims the Debt Collection Act applies to§ 34 states which claims the Debt Collection Act (inkassoloven) applies to in the…
- § 35Repeal and amendment of other Acts§ 35 is a technical final provision. It says that from the time the Act comes into…
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