# Dhamaadka xeer-reebka gariga: yalmis gariga ay waasee dhamaadi?

Gariga waasee ah oo poosta? Xeer-reebka asal ah waxaa ah saddex jeer laga hirgeliyay markii lasiiba, qarsiga waxaa ah toban jeer. Eeg waxa bilisa mudada fasalka, iyo sida aad iska hadli kartaa dhamaadka.

Canonical: https://samfunnprep.no/so/articles/foreldelse-gammel-gjeld-krav-norge
Language: so
Publisher: SamfunnPrep
Author: Hlib Suslov
Published: 2026-07-30T09:17:22.077+00:00
Modified: 2026-11-06T11:31:28.777165+00:00
AI use policy: https://samfunnprep.no/ai-policy.txt

## Key takeaways

- Saddex jeer ay tahay asal ah, toban jeer oo qarsiga ah Baaqo caadi ah waxaa dhamaadi saddex jeer laga hirgeliyay markii lasiiba oohale-aha, gariga gacani iyo qarsiga kharash ay leh toban jeer. Kororka qarsiga waxaa dhamaadi saddex jeer halka.
- Iska qaaday iyo gacan ay bilawda klookka cusub Aad ba yeedha bixinta ama bixi qayb yar, mudada cusub ay socdaan. Yaabka gacan-gacan oo aan guul guusha ka helay ay siiya toban sanado cusub—hadda ay sidaa u dhacaya iyada oo natijada ay noqoto «inaan gacan jirin».
- Aad kaftan in aad mariyatay dhamaadka xeer-reebka kaftan Qof nab xeel badan waxaa quraac baaqada. Qor ogsaale-ogaalaha inkasso, iyo naamfogden hadii ay dirteen digniin oo gacan, in aad beestiri baaqada iyo mariyatay dhamaadka xeer-reebka.

Dhamaadka xeer-reebka gariga waxay macnaheedu tahay in creditor-ka uu lumayo xuquuqa in uu baaqo soo toobay. Xeer-reebka asal ah waxaa ah saddex jeer laga hirgeliyay markii lasiiba. Laakiin mudada fasalka ay bilawday mar labaad haddii aad iska qaaday baaqada, iyo dhamaadka xeer-reebka uma dhacdo iska indho halkii ugu yaraan—aad kaftan oo kale tidhi.

## Xeer-reebka asal ah ee dhamaadka xeer-reebka gariga waxaa ah saddex jeer

Baaq caddaalad oo caadi ah waxaa dhamaadi saddex jeer laga hirgeliyay markii lasiiba. Sharcigu foreldelsesloven § 2 waxay tiri «den alminnelige foreldelsesfrist er 3 år». Mudada fasalka waxay socdaan maalin creditor-ku hore u lahayd xuquuqa in uu baaqo soo toobay (§ 3 nr. 1).

Mudada fasalka waxay bilawday markii lasiiba ee gabacidda midkale, maaha purriga, wararka inkasso, ama wararka baaqida ugu dambeeya. Haddii baaqadu ay sababi tahay baaqida dibadda, mudada fasalka waxay socdaan maalin baaqidu dhacday (§ 3 nr. 2).

Waxaa tusaale ah: gacan-gacan gabacida ay lasiiba 15-kii maarso 2023. Waxa ku dhici karaa in baaqadu ay dhamaadi 15-kii maarso 2026, haddii wax falin ka haysto mudada fasalka.

Finanstilsynet ay diiwaangeliyay 11 736 400 oo kiis inkasso oo cusub ee 2025, iyo bilawga 2025 waxaa jiri jiray 6 684 620 kiis oo fulinaya, koror 2,7 prosent oo ka badan maalintii hore. Eeg sidoo kale [socdaalka guud ee inkasso laga purring ilaa gacan](https://samfunnprep.no/so/articles/inkasso-norge).

## Saddex jeer oo gacan-gacano ah, toban jeer oo qarsiga ah

Qarsiga iyo gariga waxaa leh toban jeer, gacan-gacano caadi ah ayaa leh saddex.

| Nooca baaqida | Mudada | Xeer-reeb |
|---|---|---|
| Gacan-gacano: korent, mobil, kireyga gida, dentist, kibiday | Saddex jeer | § 2 |
| Gariga gacan ama ballamaha gudaha xarago-baadiyada | Toban jeer | § 5 nr. 1 |
| Qarsiga kharash, aasaasiga | Toban jeer | § 5 nr. 2 |
| Koror oo qarsiga kharash | Saddex jeer | § 5 nr. 2 |
| Kredida oo dibadda la siiyay iibka kredita | Saddex jeer | § 5 nr. 2 |
| Taageerada gidiga | Toban jeer | § 6 |
| Dib-u-beddelka dhaawac | Saddex jeer laga hirgeliyay maalinkaad ogaatay, sida asal ah inta badan saddex-lamihii jeer (§ 9 nr. 2 waxay yeelanaysaa kala duwanaan haddii ay tahay dhaawaco qof) | § 9 |

Kororka waxaa qoti weyn oo ka midka beelka. Aasaasiga qarsiga leh toban jeer, laakiin kororka leh saddex. Tiro-yaqaannaha Finanstilsynet ee 2025 waxaa ku jirta koror qaba 40,02 oo 117,71 milyar kroner ee kiisyada isticmaaleyaasha, iyo 44,4 prosent oo kart kredita.

Shuruuca toban jeer waxaa kama dhaliinayo qarsiga uu dibada siiyay, ama qof ama midkale oo ay sidda ku riiday dibada, siiyay si loo qarseeyo iibka kredita. Kart kredita oo banku soo daajiyey waxaa ah qarsiga kharash leh toban jeer. Bixinta qaybeed ee aad sidda ku aagu daajisay cashka, waxay ka baxdaan. Haddii aad ku hubiinsan tahay, bar creditor-ka in uu muujinyo xeer-reebka heshiiga.

## Maxaa dhacda haddii aan bixi buuq yar oo baaq waasee ah?

Waxaa bilata mudada guud ee ish bilowga. Sharcigu foreldelsesloven § 14 waxay tiri dhamaadka xeer-reebka ay jirtaa «när skyldneren overfor fordringshaveren uttrykkelig eller ved sin handlemåte erkjenner forpliktelsen, så som ved løfte om betaling eller ved å betale rente».

Waxaa iska qaaday dhamaadka xeer-reebka:

- Aad waad ba yeedha bixinta telefoon, chat, SMS ama iimeel.
- Aad saxiix tira heshiiga qaybeedka.
- Aad bixi qayb yar ama koror baaqida.

Waxaa bilow mudada cusub oo tirada labaad ee tirada midkale ee hore (§ 20). Oo baaq caadi ah oo isticmaaleyaasha, waxaa macnaheedu tahay saddex sanado cusub, maaha toban. Aad weli walan karma adkayn dhamaadka xeer-reebka (§ 28), laakiin waxaa dibada baaqadu ay bilowday aad waliyo in aad dheeraynta mudada saddex sanado oo wadaagga ah, inta badan toban sanado midkale. Eeg taasi markaa walacan iska duub-wacan ay u yeedhan ay saxiixan halkaa ee haseysa ay sidaas ay u dhacaan. Eeg sidoo kale [mudada iyo jidka gacangarida]().

## Agaasime iyo gacan waxay siiya creditor-ka toban sanado oo cusub

Creditor-ka waxay karti karaan in uu illaalin baaqada iyada ah tillaabooyinka sharci. Dhamaadka xeer-reebka ay jirtaa werareysi ama stevning (§ 15) iyo codsida gacan ee naamfogden, horay loo yedhi namsmannen (§ 17):

- **Agaasime ama heshiiga guud:** mudada cusub oo toban jeer laga hirgeliyay agaasimigu (§ 21 nr. 2).
- **Gacan oo aan guul guusha ka helay:** «waxaa loo tiriyaa mudada cusub oo toban jeer laga hirgeliyay socdaalka kiiska xilliyada dhammaadkiisa» (§ 21 nr. 3). Hadda waxaa sidaa u dhacaya iyada oo natijada ay noqoto «inaan gacan jirin».
- **Gaacanke qaabka loo socdaa:** dhamaadka xeer-reebka uma jirto ilaa gaacanku dhaco (§ 21 nr. 1). Gaacanku waxa ku joogo, dhamaadka xeer-reebka ay bilawday hal sanado dambeedka ka (§ 22 nr. 4).

Yaabka gacan-gacan oo aan siinin creditor-ka khamiis mid, waxay saas ku saabsan toban sanado cusub. Ogsaale-ogsaalooyinka inkasso waxay diriyay 367 300 oo codsiga gacan ee toban shan bilood, sida tiro-yaqaannaha Finanstilsynet ee 2025. Eeg [sida gaacanke qaabka loo saabsan iyo qada aad kaydh kartaa](https://samfunnprep.no/so/articles/utleggstrekk-namsmannen-norge).

Kororka waxaa lahayna iska dhamaadi kahor-kahor waxba laga qabana ah sharci. Ilaa gaacanke koror-bixiya ay jirto, mudada fasalka oo koror labaad oo lasiiba ee dambeedka waxaa ku socdaan (§ 21 nr. 5).

## Dhamaadka xeer-reebka xumi maaha iska indho—sidaas kutiid waxaad tiri

Qof nab xeel badan waxaa quraac baaqada adiga. Mid hna jaamacad, mid hna naamfogden, mid hna ogsaale-ogaalaha inkasso midna waxay sariyeeyaan dhamaadka xeer-reebka iska indho. Sharcigu Tvisteloven § 11-2 waxay tiri in jaamacad qaba in ay saabsooto «på de påstandsgrunnlag som er påberopt». Waxaa nimcad laga hadlin forleeky-raxaska, waxaa karti karaan baaq dhamaad ay noqoto amarri caadi ah weydda. Sidaas kutiid waxtaa dhaaha:

- Qor ogsaale-ogaalaha inkasso. Hadii aad hadii lagu hadlin ay leh xunug midkale oo midkale lagu hadlin creditor-ka (inkassoloven § 13).
- Isticmaal jumla cad: «Waxaan beestiri baaqada iyo waxaan mariyayaa dhamaadka xeer-reebka laga foreldelsesloven § 2, jf. § 3. Baaqadu waxaa lasiiba [taarikh]. Waxaan inaan ogaatay baaqada ama bixi baaqada kadib. Waxaan walaac jawaab qor."
- Ka mid ah saksnumber iyo taarikh, iyo kaydh koobka. Mudada fasalka waxaa la yeelay waxa ay dirtay qore ee Soomaaliya kahor ay ay intay baxda (§ 29 nr. 3).
- Naamfogden waxaa diray digniin oo gacan, waxaa aad hadii dirtaa digniinta halkaas. Hadiidhaan baaqada ay jirto, kama karti in lagu baaqooto hadii ay sii tareedda jirtay (tvangsfullbyrdelsesloven § 5-6 labaad leh).
- Gaacan-gacan hadii ay sidaa qabtaan, waxaa aad hadii hadii dirta jaamacad-guur. Hadii aad dirta diggoo halkii naamfogden (§ 5-16).

Waxaa qaladis badan in aad mariyayso dhamaadka xeer-reebka. Hadii aad lahayd insuugin «oo ay jirtay sababab cad oo loo baaqo» kahor indhirinta bilowday, waxaa inkasso-kharash kama karti in loo baaqo (inkassoloven § 17 labaad leh).

## Maxaa baaq foreldate gacan mid lumay—iyo maxaa kama lumayo

Haddii baaqadu ay dhamaadi, baaq creditor-ka ay lumay xuquuqa bixinta (§ 24 nr. 1), iyo kororka waxaa ka bixi midkale midkale baaq asal ah (§ 24 nr. 2).

Laakiin dhamaadka xeer-reebka waxaa qaruq lahayn wax guud. Waxay leh «ingen innflytelse på panterett og tilbakeholdsrett» (§ 27 nr. 3). Hadii baaqada ay leh wareeg gida ama wareeg iibka oo shaaffilinta, waareeggu waxaa jiri karaa iska indho.

Haddii aad diiwaan-gusada bixinta waxaa illaalin looma tuurin kahor baaqadu ay dhamaadi. Diiwaan-gusado waxay asaasiyeeyaan ay ay ay dhaleen creditor-ka oo naamfogden ama jaamacad halka, iyo waxa baaqada waxaa oo mudada cusub. Eeg waxa uu yeedhay [diiwaan-gusada bixinta waxay dhaaha, iyo kaftan xeer ee tuurista](https://samfunnprep.no/so/articles/betalingsanmerkning-konsekvenser).

## Hadii aad degay magaalada kale? Waxa mudada fasalka ay saabsan looma lahay

Hadii aad ay tagay magaalada kahor baaqadu ay bilowday, creditor-ka waxay karti karaan in ay heystaan wakhtiga cusub. Dhamaadka xeer-reebka ay bilawday hal sanado kahor maalinkaad creditor-ka ay helsatay ama kula filayaan in uu helsatay kunnidda baaqada ama kaad indhirinta bilowday Soomaaliya (§ 10 nr. 3). Midkale hal sanadood ay sida walaac creditor-ka ay lahayn kunnidda baaqada ama kaad (§ 10 nr. 1).

Sidaas waxaa dheeraynta mudada fasalka, laakiin waxaa iska bittay. Wadaagga waxaa karti karaan in ay dheeraysan ka badan toban jeer (§ 10 nr. 4).

## Haddii ogsaale-ogaalaha inkasso ay jiri karaan raysiga aad baaqoyu

Haddii aad hadii dirta qore ogsaale-ogaalaha. Finansklagenemnda (FinKN) waxaa ay aragginaysaa kiisyada ay ogsaale-ogsalooyinka ay sidhaafiyay.

- **Sida kutiid aad hadii dirta:** isticmaal waraaqu hadii dirta Finansklagenemnda Inkasso ee finkn.no. Nemndu waxay qaadna hadii dirta iimeel.
- **Waxa FinKN ay karti karaan in ay go'aamintan:** inkasso-kharash, laqabiga laga waayo, ka qaybta xeer-reebka iyo diiwaan-gusada bixinta oo kama tuurin ka dhamaada guud.
- **Waxa FinKN ay karti karaan in ayan go'aamintan:** baaqada asal ah oo diiwaan gacmo isticmaalka baaqada ay asaasiyeeyaan.
- **Dhamaadka xeer-reebka kaftan:** ay ay ay go'aamintan forleeky-raxaska ama jaamacad, ama hadii dirta gacan. Haddii aad beestiri baaqada, waxaa karti karaan in ay qabato jaamacad (inkassoloven § 12 saddex leh).

Økonomi- iyo gjeldsveiling-goobka Nav (arbeids- iyo velferdsetaten) ay ay tahay bilaashaan: telefoon 55 55 33 39. Hadii baaqo ay caadi iyo yar yar, waxaa [heshii gariga iyo gjeldsrådgivning bilaashaan](https://samfunnprep.no/so/articles/gjeldsordning-norge) xiga. Hadii aad kaftan kharash midka hore, waxay aas kabacayaan sharci midkale: eeg [sida aad dirta forleeky-raxas forleeky-raxaska](https://samfunnprep.no/so/articles/forliksradet-og-smakrav-norge).

Mudada iyo jidka hadii ay tahay qaab oo qof ay u hadliyaan ay qaadna hadii ay socdaan. SamfunnPrep ay leh imtixan-imtixan oo qorsheyno oo kaarshiga. [Taaso imtixaan bilaashaan SamfunnPrep ee](https://samfunnprep.no/so/gratis-test).

## FAQ

### Yalmis ay gariga dhamaadi Soomaaliya?

Baaqo caadi ah oo gacan-gacano waxaa dhamaadi saddex jeer laga hirgeliyay markii lasiiba (foreldelsesloven § 2, jf. § 3). Gariga gacani iyo qarsiga kharash ay leh toban jeer (§ 5). Mudada fasalka waxaa loo tiriyaa laga hirgeliyay lasiiba oohale-aha, maaha laga hirgeliyay purri ugu dambeeya ama baaq baaq ugu dambeeya.

### Gariga waxaa tuuriya ka iska indho markii mudada fasalka ay dhamaadi?

Maya. Aad kaftan in aad mariyatay dhamaadka xeer-reebka, oo qor. Jaamacad waxay karti karaan in ay saabsooto baaqo baaq-baaqida ay la mariyatay (tvisteloven § 11-2). Aad hadii wax laga hadlin, baaq dhamaad waxaa karti karaan in ay noqoto amarri caadi ah weydda.

### Waxaa ogsaale-ogaalaha inkasso karti karaan in ay baaqo oo toban jeer gacan?

Waxay karti karaan in ay diraan baaqada, laakiin aad karti kartaa in aaad beestiri. Hadii aad hadii dirta ogsaale-ogaalaha inkasso ay leh xukunuq midkale oo uu hadii hadii dirta creditor-ka (inkassoloven § 13). Hadii aad lahayd insuugin oo ay jirtay sababab cad oo loo baaqo, waxaa inkasso-kharash kama karti in loo baaqo (§ 17 labaad leh).

### Maxaa dhacda hadii aan bixi buuq yar oo baaq waasee ah ama aan ba yeedha bixinta?

Waxa dhamaadka xeer-reebka ay jirtaa. Sharcigu foreldelsesloven § 14 waxay tiriyaa ba yeedhaha bixinta iyo bixinta qaybeedka ama koror ay tahay iska qaaday. Waxaa bilow mudada cusub oo tirada labaad ee tirada midkale ee hore (§ 20), sida ay tahay saddex sanado cusub baaq caadi ah oo isticmaaleyaasha.

### Xad dhaadheer waxay karti karaan in ay baaqoyu hadii ay heystaan agaasime ama ay tageen naamfogden?

Agaasime ama heshiiga guud ay siiya mudada cusub oo toban jeer (§ 21 nr. 2). Gacan oo creditor-ka ay helay waxba, ay sidoo kalena ay siiya mudada cusub oo toban jeer laga hirgeliyay socdaalka kiiska xilliyada dhammaadkiisa (§ 21 nr. 3)—hadda ay sidaa u dhacaya iyada oo natijada ay noqoto «inaan gacan jirin». Gaacanke qaabka loo socdaa ay socdaan, dhamaadka xeer-reebka waxaa jirta ilaa gaacanku dhaco (§ 21 nr. 1).

### Diiwaan-gusada bixinta waxaa ay illaalin looma tuurin markii baaqadu ay dhamaadi?

Haa ka iska indho. Diiwaan-gusada waxay asaasiyeeyaan ay ay ay dhaleen creditor-ka oo naamfogden ama jaamacad halka, iyo baaqada waxaa oo mudada cusub. Hadii baaqada ay ay sidhaafisay iyo ogsaale-ogsalooyinka waxaa kama tuurin diiwaan-gusada, waxaa aad hadii dirta Finansklagenemnda Inkasso ee finkn.no.

## Sources

- [Lov om foreldelse av fordringer (foreldelsesloven), LOV-1979-05-18-18](https://lovdata.no/dokument/NL/lov/1979-05-18-18)
- [Foreldelsesloven § 21 – Ny frist etter påtale, avgjørelse m.m.](https://lovdata.no/lov/1979-05-18-18/§21)
- [Lov om inkassovirksomhet og annen inndriving av forfalte pengekrav (inkassoloven), LOV-1988-05-13-26](https://lovdata.no/dokument/NL/lov/1988-05-13-26)
- [Lov om tvangsfullbyrdelse (tvangsfullbyrdelsesloven) § 5-16 og § 5-6](https://lovdata.no/lov/1992-06-26-86/§5-16)
- [Lov om mekling og rettergang i sivile tvister (tvisteloven) § 11-2](https://lovdata.no/lov/2005-06-17-90/§11-2)
- [Inkassostatistikk for 2025](https://www.finanstilsynet.no/analyser-og-statistikk/statistikk-for-inkasso/2025/html/inkassostatistikk-for-2025)
- [Temaside for inkasso](https://www.finkn.no/inkasso/temaside-for-inkasso)
- [Slik klager du på inkasso](https://www.finkn.no/inkasso/klageguide)
- [Trenger rådgivning om økonomi og gjeld](https://www.nav.no/okonomi-gjeld)

Citation: Hlib Suslov, "Dhamaadka xeer-reebka gariga: yalmis gariga ay waasee dhamaadi?", SamfunnPrep, 2026-07-30T09:17:22.077+00:00, https://samfunnprep.no/so/articles/foreldelse-gammel-gjeld-krav-norge