Can a company send my bill to debt collection in Norway?
Yes — but not before you have received a written collection notice with at least 14 days to pay. Fees are capped by the collection regulation and set as shares of the annual collection base rate, which in 2026 is 750 kr. A reminder fee can be max 38 kr and sent at the earliest 14 days after the due date. The late-payment interest is 12% per year from 1 January 2026. If you dispute the claim on reasonable grounds, the creditor cannot add collection fees. Without payment the case can end in a payment default mark and enforcement via the bailiff. (Fee rates should be checked against the 2026 regulation.)
📋 The rules
- First a written collection notice with at least 14 days
- Base rate 2026 = 750 kr; fees are shares of it
- Reminder fee: max 38 kr, earliest 14 days after due date
- Late-payment interest: 12% per year from 1 January 2026
- If you dispute the claim, they cannot add collection fees
🔓 Exceptions
- If you dispute the claim on reasonable grounds, the fees are stopped
- Some public claims follow their own enforcement rules
- The fees increase in fixed bands by the size of the debt
⚠️ Penalties & fines
Unpaid debt can end in a payment default mark and enforcement via the bailiff. Improper debt-collection practice is supervised by the Financial Authority, which can withdraw the collection licence.
📎 Official sources
- Financial Authority · Debt collection →
- Debt Collection Act · Lovdata →
- Altinn · Reminders and debt collection →
❓ Frequently asked
When can a claim go to debt collection?
Only after a written collection notice with at least 14 days to pay, sent at the earliest 14 days after the due date.
How much is the base rate in 2026?
750 kr. Collection fees are set as shares of this base rate.
How much can a reminder fee be?
Max 38 kr, and it can be sent at the earliest 14 days after the invoice fell due.
What is the late-payment interest?
12% per year from 1 January 2026. It is set twice a year by the Ministry of Finance.
What if I think the claim is wrong?
If you dispute it on reasonable grounds, the creditor cannot add collection fees while the dispute lasts.
🔎 Common searches
What people search to land here:
- “can a claim go to debt collection norway”
- “collection notice 14 days”
- “collection base rate 2026 750”
- “reminder fee max 38”
- “late payment interest 12 percent”
- “dispute claim collection”