Car and Debt Schemes

If you can document that you need a car to do your job, or if you are dependent on a car because of a disability or illness, car insurance may be accepted in connection with a debt arrangement, public and private. For example, it may be difficult to perform shift work without a car. In such cases, Section 2-3 (b) of the Coverage Act sets an upper limit for the value of means of transport to two-thirds of the basic amount of the national insurance.

The National Insurance Scheme’s basic amount is subject to regulations, in 1998 the amount was NOK 46,950. The value of the car must therefore not exceed NOK 31,300. In connection with a public debt scheme, it is not uncommon for the costs of having a car to be documented on a case-by-case basis.

Surcharge will then be real costs minus an amount corresponding to the monthly ticket for bus, tram or train.) SIFO has recommended rates for car maintenance. At the last adjustment of the rates in 1998, car rental for a family of four was set at NOK 1800 per car. md.

Many families have an economy that shows deficits

After housing costs and a recommended stay are covered. Looking at the extent of the order deduction, it is easy to understand that the names authorities’ orders for deductions in salary have caused great problems for the family.

This is the direct reason why the family has failed to pay the most necessary expenses, such as rent, electricity and telephone. The naming authorities have taken over the management of liquidity (available money), and as a result “dangerous” bills have not been paid.

A debt settlement cannot override the social security rules in this context

The dangerous bills are the ones that in the event of default can threaten primary needs such as housing, electricity and living. In addition, women have prioritized paying to Ellos, the children are growing and they need to have clothes.

When it comes to approved car care due to disability or illness, it is practiced somewhat differently and is not considered as an expense for the acquisition of income. The National Insurance Scheme provides an opportunity for the disabled to have a car to break an otherwise isolated life.

If you have received support for a car through the National Insurance Office or can show a medical certificate that you cannot use public transport, this must be accepted in connection with a debt settlement scheme.

In such cases, the valuation of the means of transport can also be set aside. Please note that support for car purchases in the event of a disability also entitles you to assistance for covering / supplementing car costs.