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FrumvarpinuertlaWaWfestalgsrtkarreglursemertlaWaWverahvatiaWYvaW  hraWaendurreisnslensksefnahagslfsmeWendurskipulagningufjrhagsfyrirtkjaogein i staklinga.FrumvarpiWgerirkrfuhfumkleiftaWfrafjrskuldbindingareinstaklinga,fyrir \4 tkjaogheimilaniWurtilraunvirWis,nYessaWniWurfellinginteljisttilskattskyldseignaauka ' hjskuldara.FrumvarpiWgerirekkirWfyrirflatrieWaalmennriniWurfellinguskulda.X;opn  arfrumvarpiWmguleikafyrireftirlitsskyldaaWila,einkumlnastofnanir,aWlkkahfuW  st;lkrafnaviWafnmgengis-eWaverWtryggingarYeirraefslkeftirgjfbyggistmati `  nvirWiskuldarfyrirogeftirlnskjarabreytinguogbreytingunnierekkitlaWaWrUravirWi S+! skuldarinnar.MeginreglanerY;saWtekiWskulivandahversskuldarafyrirsig,hvortsem " umeraWrWaeinstaklingeWafyrirtki. #   FrumvarpiWtekurtilallrakrfuhafasemskulusetjasrreglurumframkvmdniWurfell  $ ingarinnarogbirtaYarsemYrerullumaWgengilegar.XaWstWistvartjafnrWisregluref !W% gerattiuppmilliskuldaraeftirYvhvarskuldirYeirralgju.AWilarsemltaeftirlitiFjr J""& mlaeftirlitsinsskulusetjasrreglursemeftirlitiWsamYykkir.XettaYUWiraWframkvmd #' fjrhagslegrarendurskipulagningarverWuraWmestuleytihndumstarfsmannaeftirlits #( skyldraaWila,Y.e.starfsmannafjrmlastofnana.XaWermatstj;rnvaldaaWskynsamlegts $ ) aWnUtamannaflaogYYekkingusemertilstaWarfjrmlakerfinuviWYessaframkvmd v%N!* staWYessaWkomaf;tnUrrirkisstofnuntilaWannastframkvmdina.UmgjrWinverWur A&"+  svoaWtryggjaaWframkvmdinssanngjrnogbyggWjafnrWissj;narmiWum.  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S+!   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MeWhugtakinu?heimili erttviWaWhagsmunirYeirrasemrekasamanheimili!eru  reyndsameiginlegufjrflagi!skulileystireinulagi.XaWermikilvgtfrsj;narmiWiein   staklingannaoghagsmunasamflagsinsaWhorftshagsmuniheimilisf;lks,hj;na,sam  X bWarf;lksogfjlskyldnasamhengiogYeirafgreiddirsamhliWavegnaYeirrarfjrhagslegu K #  heildarsemfjlskyldureru.ViWmatYvhvaWaeinstaklingarerveriWaWhorfatilYegarhug    takiWheimiliernotaWberfyrstogfremst,eWlimlsinssamkvmt,aWhorfatilfjlskyldnaog    meWlimahennar.BWilgumumlgheimili,nr.21/1990,oggreinargerWmeWlgumum   byrgWarmenn,nr.32/2009,eraWfinnagtarviWmiWanirsemkrfuhafargetastuWstviWviW wO  matYvhvaWaeinstaklingaeigiaWskoWasemeinaheild.Tildmissegirlgumumlg B  heimili:      ?LgheimilimannsersstaWurYarsemhannhefurfastabsetu.     MaWurtelsthafafastabsetuYeimstaWYarsemhannhefurbkistWsna,dvelstaW {  jafnaWit;mstundumsnum,hefurheimilismunisnaogsvefnstaWurhanserYegarhanner nF ekkifjarverandiumstundarsakirvegnaorlofs,vinnuferWa,veikindaeWaannarrahliWstWra 9 atvika.     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"   GreinintekuraWeinstileinstaklinga.HrerulagWartilmeginreglurumhverteigiaWvera # viWmiWsamningsaWilaYegarbreytingarerugerWareldrilnasamningumsvonmegiYeim  $ markmiWumsemgreininkveWurum.MarkmiWiWeraWskuldirverWiaWlagaWareignumog !W% greiWslugetu.ViWmatgreiWslugetuereWlilegtaWhorftstilteknaundanfariWrogfram J""& tWarmguleika.ViWmatvirWieignaereWlilegtaWlitiWstilmarkaWsverWs,YarsemYaW #' hefurmyndast,eWaopinbersmatseignumsemstandatiltryggingar,einsogtildmisfast #( eignamatseWamatsbifreiWumefslkmterutil.ForsendaYessaWniWurfrslahfuWst;ls $ ) skuldarogvaxtasraunhfogsanngjrneraWlntakigetigreittafYeirrifjrhW.Eflntaki v%N!* geturtildmisekkigreittafnUjumhfuWst;lskuldar,semtekurmiWafvirWieigna,erlklegt A&"+  aWforsendurlntakasubrostnarogleitaverWiannarralausna,einsogtildmisslueigna.  '", & ,      HeimildtilaWbindalnssamningviWvsitlulaunaerekkiaWfinnalgumumvexti,nr. ( 38/2001.HrerlagttilaWYessiheimildverWiveittYeimtilvikumYegareldrilnssamningi  einstaklingaogheimilaerbreyttoghannaWlagaWurgreiWslugetu.TillaganersamrmiviW  ',(2YhugsunaWmiWabreytingarlnssamningiviWgreiWslugetueinstaklingsogheimila,sem a rWstfyrstogfremstaflaunatekjum,endamtlaaWsvsitalafylgigreiWslugetubeturen T, vsitalaneysluverWs,eWagengisvsitalan.  @ Um3.gr.     MikilvgteraWkrfueigendurviWhafisamrmdvinnubrgWoghlutlgnikvrWunum  X snumumskuldbreytingarogbreytingarskilmlumlnssamningasemkunnaaWleiWatil K #  eftirgjafarskuldaogskuluYeirYvsetjasrsrstakarreglurYarum.      MtlaaWeftirlitsskyldiraWilarmunijafnvelhafameWsrsamstarfumsetninguslkra    reglna,tilaWtryggjasamrmi.GtaskalY;aWsamkeppnissj;narmiWumenSamkeppnis   eftirlitiWgeturveittundanYgufrsamkeppnisreglumtilYessaWtryggjaskilvirkaogsam wO  rmdaframkvmdsvonmegiframmarkmiWumlaganna,endashagsmunumYeimsem B  samkeppnislgumertlaWaWverndaekkiraskaW.      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J""&   TilaWtryggjahlutlgameWferWogkomavegfyrirgeWY;ttakvarWanirskalFjrmla #' eftirlitiWhafaeftirlitmeWYvaWYeiraWilarsemfarameWeftirlitsskyldastarfsemiframfylgi #( YeimreglumsemsettarhafaveriWumkvarWanirerltaaWskuldbreytingumogbreytingum $ ) skilmlumlnssamninga,semkunnaaWleiWatileftirgjafarskulda.GeturFjrmlaeftirlitiW v%N!* kallaWeftirllumggnumumkvarWanirYaraWltandiogjafnframt;skaWeftirYvaWfaW A&"+ sitjafundihjeftirlitsskyldumaWilumYarsemslkarkvarWanireruteknar.XgeturFjr  '", mlaeftirlitiW;skaWeftirYvaWeftirlitsskyldiraWilarhaldiutanumogsendimeWreglubundn '#- umhttiskUrslurYarsemframkomiyfirlityfirYaumlsemafgreiddhafaveriWgrundvelli ( reglnanna.VerWiFjrmlaeftirlitiWYessskynjaaWbrotalmsframkvmdeftirlitsskyldra  aWilaeWaaWreglumhafiekkiveriWframfylgtskalFjrmlaeftirlitiWtilkynnaYaWrkisskatt  stj;raeWaWrumskattyfirvldum,jafnframtYvsemFjrmlaeftirlitiWgeturafturkallaW a staWfestingusnareglum,efsakirerumiklarogekkihefurveriWsinntfyrirmlumum T, rbtur.FjrmlaeftirlitiWskaljafnframttryggjaaWviWframkvmdreglnannasekkigengiW  aWlgbundnueiginfeftirlitsskyldraaWilaeWarekstriYeirraaWWruleytistefnthttu  vegnakvarWanaumskilmla-ogskuldbreytingar.     03.mgr.erutilgreindnokkuratriWisemreglurumskuldbreytingarogbreytingar  X skilmlumskulutakatil,enekkierYarumtmanditalninguaWrWa. 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