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Forklar MegUnderstand the letter you received
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iPhone app · sources from Lovdata

Explain thedebt collection notice.

Photograph the document – or describe your situation in your own words. You get to see what the law may say about it, which deadline may apply, and which sections of law it points to.

  • A debt collection notice – eight days to pay
  • Eight months’ rent as deposit
  • NAV said no to the benefit claim
  • The insurer says the claim came too late
  • The deposit is in the landlord’s private account
View in the App Store

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How it works

1

Sensitive data goes first

National ID, account numbers and payment references are removed automatically before the document is sent for AI analysis.

Removing sensitive information Ready for analysis · 3 fields redacted
Kredittor Inkasso AS
Postboks 214 Sentrum
0103 Oslo · Org.nr. 000 000 000
Oslo, 28. juli 2026
Saksnr. 0000-00000
Kari Nordmann
Eksempelgata 0, 0000 Oslo
Fødselsnr. 000000 00000
INKASSOVARSEL – UBETALT KRAV

Vi viser til purring av 10. juli vedrørende ubetalt faktura nr. 00000 fra Strøm & Nett AS, forfalt 2. juni 2026. Kravet er ikke registrert betalt.

Hovedkrav
2 480,00
Purregebyr
38,00
Inkassovarselgebyr
38,00
Forsinkelsesrente (12,25 %)
46,61
Å betale
2 602,61

Betaling skjer til konto 0000 00 00000, KID 0000 0000 0000.

Betales innen 8 dager fra brevets dato.

Kredittor Inkasso AS · Bevilling fra Finanstilsynet

2

Lovsjekk – understand the document

An explanation in plain language, the deadline that applies, and the section it rests on – with a link to Lovdata.

Medium risk · 1 finding
Kredittor Inkasso AS
Postboks 214 Sentrum
0103 Oslo
Oslo, 28. juli 2026
Saksnr. 0000-00000
Kari Nordmann · Fødselsnr. 000000 00000
INKASSOVARSEL – UBETALT KRAV
Hovedkrav
2 480,00
Purregebyr
38,00
Inkassovarselgebyr
38,00
Forsinkelsesrente (12,25 %)
46,61
Å betale
2 602,61

Betales innen 8 dager fra brevets dato.

The deadline is shorter than the law requires A debt collection notice must give at least 14 days to pay. Debt Collection Act § 9 ↗
Reading the text … OK
Checking against Lovdata … OK
Legal basis found: Debt Collection Act § 9

Fictitious example – the fee rates are real as of August 2026: reminder and debt collection notice fees max NOK 38, late-payment interest 12.25%.

3

Lønnsvakten – check the payslip

Checked against official rates and your own hours. If a supplement is missing, you see the amount and the rule.

1 discrepancy found
Bygg & Montasje AS
Lønnsavregning – mai 2026
Utbetalt 12. juni 2026
Ansattnr. 0000
Kari Nordmann · Tømrer · 100 % stilling
Fødselsnr. 000000 00000
LØNNSSLIPP
Fastlønn · 162,5 t á 272,00
44 200,00
Overtid 40 % · 12,5 t
0,00
Skattetrekk (tabell 7100)
−13 560,00
Utbetalt
30 640,00

Utbetales til konto 0000 00 00000.

The overtime supplement is missing 12.5 hours of overtime with no supplement. The law requires at least 40% – NOK 1,360 is missing here. Working Environment Act § 10-6 ↗
Reading the payslip … OK
Fetching rates (Norwegian Tax Administration) … OK
Discrepancy: overtime supplement missing
4

Blackbox – log what happens

Incidents with date and time, encrypted on the phone. Nothing is sent on unless you ask for it. Free.

Encrypted locally Free – no subscription
Overtime ordered without noticeTold 20 minutes before the shift ended.
Shift moved the same morningText at 06:40, start at 08:00.
Verbal warningNo reason given. No minutes taken.
+ Log incident
Stored encrypted on the phone · locked with biometrics · free
5

Explainer – no document?

Describe the situation in your own words. When the answer is based on a legal provision, you get a link to it on Lovdata. Free – 5 questions a day.

Free – 5 questions a day
Depositumet gikk til utleiers private konto – samme konto som husleien. Hva sier loven?
ANSWER

Section 3-5 of the Tenancy Act says a deposit must be placed in a separate account in the tenant’s name. Neither party can access the amount alone.

The amount can be reclaimed Paid in breach of the rules – with interest from the day it was paid. Husleieloven § 3-7 ↗
Reading the description … OK
Leafing through the Tenancy Act … OK
Legal basis found: § 3-5 and § 3-7
Type or speak · answers in eleven languages

Price

NOK 199per month · 50 analyses
NOK 69per week · 10 analyses
NOK 0The Blackbox log and 5 Explainer questions a day – always free

Renews automatically until cancelled, and is managed under Subscriptions in the App Store.

What this is not

Forklar Meg is not a lawyer and does not give legal advice. The app explains what a document says and which rules it refers to – no more. The distinction is there so you know exactly what you can rely on it for.

What the app does

  • Explains what the document says, in plain language
  • Shows which deadline applies, and what happens if it passes
  • Shows the section of law it rests on, with a link to Lovdata

What the app does not do

  • Does not assess your case
  • Does not take a position on who is right
  • Does not represent you

Where a matter needs more than an explanation, the app shows where you can turn – the Norwegian Financial Services Complaints Board, the Conciliation Board, NAV debt counselling, the Tenancy Disputes Tribunal. We have no affiliation with any of them and earn nothing if you contact them.