Get help with debt

Some bills are more important than others. Pay first: rent/mortgage, electricity, food, and any child support. Consumer loans and credit cards can wait.

Call those you owe money and explain the situation. Most would rather make a payment plan than send the case to collections. Ask for payment deferral or installment arrangement.

Debt advisors can help you negotiate with creditors and make a plan. This is free at the municipality and NAV.

If you have many small loans, it may pay off to consolidate them into one loan with lower interest. Talk to your bank about the options.

If you don't have money for food and necessary expenses, you can apply for social assistance from NAV. This is temporary help while you get your finances in order.