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XerYaWeittafmarkmiWumfrumvarpsinsaWtryggjaaWupplUsingarumhttu    _byrgWarmanns_ԀliggifyrirYegar_byrgWarsamningur_ԀerundirritaWur.Xessi_upplUsingagjf_   krfuhafaer_forsenda_ԀsamningsinsogliggiupplUsingarekkingjanlegaskUrtfyrirviW wO  samningsgerWgeturYaWleitttilYessaWsamningmegi;gildagrundvellireglna B  frumvarpsinsogalmennrareglnaumbrostnarforsendursamningum,sbr.III.kaflalaganr.    7/1936,umsamningsgerW,umboWog;gildalggerninga.FinnamYessmrgdmir   slensku_viWskiptalfi_ԀaWforsendaYessaW_samningar_Ԁt;kustvaraWYriWjiaWili,einstaklingur, {  t;kstherWarbyrgW_efndum_.MUmrgdmieruumtilvikYarsemsamningsaWilum nF sjlfumhefurveriWlj;staW_aWalskuldari_Ԁgtialdreiefnt_samning,_ԀenhannkomistYrttfyrir 9 YaW,nYessaW_byrgWarmanni_ԀvriYessivitneskja_tiltk._ԀXettahefuroftogtWumleitttil  YessaWbyrgWarmennhafamisstheimilisnogYannighefur_veriW_ԀkipptstoWumundan  fjrhagsleguogflagsleguryggiheilu_fjlskyldnanna_ԀnYessaW_byrgWarmenn_Ԁhafi r nokkurntmahaftafYvhagsmuniaWsamningivri_komiW_Ԁ._AfleiWingarnar_ԀhafaoftveriW e= mjgalvarlegarfyrireinstaklinga,fjlskyldurog_samflagiW_Ԁheild. 0   R;ttkustubreytingarnarsemfrumvarpiWfelursreraWfinna4.gr.Xarerfyrstalagi  _kveWiW_ԀumaW_byrgWarsamningar_Ԁskuliveraskriflegir.XaWer_formskilyrWi_ԀfyrirgildiYeirra.  _Rkin_ԀfyrirYessaribreytingueruYauaW_snnunaraWstaWa_Ԁumefni_byrgWarsamnings_Ԁvri i _annars_ԀmjgerfiW.0reynderuflestir_byrgWarsamningar_ԀskriflegirogYvmunYettakvWi \4 ekkihafamiklapraktskabreytingufrmeWsrfrYvsemner.02.mgr.erkveWiWum ' aW_byrgWarsamningar_ԀYarsemekkierkveWiWskUrtum_hfuWst;l_Ԁkrfu_hendur_  _aWalskuldara_Ԁsu;gildir.XerYarkveWiWumaW;heimiltsaWafhenda_viWskiptabrf_ԀmeW  _byrgWarmnnum_ԀtilaWtryggjakrfusemkannaWstofnastsWar.Sreglaleiddi_meWal_ `  annarstilYessaW_afhending_Ԁ_svokallaWra_Ԁ_tryggingarvxla_,semer_srslenskt_Ԁfyrirbri,yrWi S+! ekkilengurheimil. "   EnnfremureraWfinnar;ttkarbreytingar9.gr.frumvarpsinsenYarerefni # _byrgWarloforWs_ԀYrengtfrYvsemner.Finnammrgdmirslensku_viWskiptalfi_Ԁum  $ aW_forsenda_ԀYessaWsamningart;kusthafiveriWaWYriWjiaWili,einstaklingur,gekkstbyrgW !W% _efndum._ԀDmieruaWsamningurhafikomistYrttfyriraWsamningsaWilumhafiveriW J""& lj;staW_aWalskuldari_Ԁgtialdreiefntsamninginn.XettahefurleitttilYessaWbyrgWarmenn #' hafamisst_heimili_ԀsnogYannighefurveriWkipptstoWumundanfjrhagsleguogflagslegu #( ryggiheilu_fjlskyldnanna,_ԀnYessaWbyrgWarmennhafinokkurntmahaftafYv $ ) hagsmuniaW_samningi_ԀvrikomiW.AfleiWingarnarhafaoftveriWmjgalvarlegarfyrir v%N!* einstaklinga,_fjlskyldur_Ԁog_samflagiW_Ԁheild. A&"+   Xver9.gr.kveWiWumaWekkiverWigerWaWfrfasteign_byrgWarmanns_,semhann  '", bUr,efkrafar;tsnaaWrekjatil_byrgWarloforWs_,aukYesssemYareraWfinnakvWi '#- YessefnisaWkrafaum_gjaldYrotaskipti_ԀverWiekkihfWuppivegnakrfusemr;tsnaaW ( rekjatil_byrgWarsamnings_.9.gr.srsumpartfyrirmyndreglusemhefurveriW_lgfest_ԀvWa  Bandarkjunum,svokallaWri?_Homestead_Ԁ_exemption_ reglu(_Homestead_Ԁ_exemption_Ԁforthe  _house_Ԁ_in_Ԁ_which_Ԁthe_debtor_Ԁ_lives_,_Y.e._Ԁ?_homestead_ merkirheimili_skuldara_).0llum a _samanburWi_ԀviWYessaregluerrttaWhafahugaaWbandarskareglanviWum T, _gjaldYrotaskipti,_ԀenhrertluninaWsetjaalmennarreglurumbyrgWarmenn.?_Homestead_  _exemption_ _Ԅreglan_Ԁ_kveWur_ԀumaWheimili_skuldara_Ԁrenniekkiinn_gjaldYrotab_ԀviWskipti.  RkinfyrirhennieruYauaWYaWYj;niekkihagsmunumsamflagsinsaWrekaeinstaklinga   ogfjlskyldurdyr_kjlfar_Ԁ_gjaldYrots_ԀhelduraukiYaWaWeinsvandannstaWYessaWleysa  X hann.XerogsagtaW_samflagsleg_Ԁvandamlvegna_sundraWra_ԀheimilavegiYyngraen K #  hagsmunireinstakra_krfuhafa_ԀafYvaWgetaleitaWefndakrfumeWYvaWseljahsofanaf    _skuldaranum_.Tilvist_reglunnar_Ԁ_leiWir_ԀsjlfkrafaafsraWrkarkrfurerugerWartil    _samningsaWilanna_Ԁsjlfraum_fagleg_Ԁ_vinnubrgW_ԀviWsamningsgerW.SstaWreyndaWgagnaWili   eigifasteign_undanYiggur_Ԁekki_viWsemjanda_ԀhansfrYvaWsUnaUtrustuaWgsluviW wO  samningsgerW.Reglansemeralmenn_tekur_Ԁjafnttil_aWalskuldara_Ԁog_byrgWarmanna_Ԁog B  gengurYvmjglangtYvaWvernda_fjlskylduna,_Ԁmunlengraenhrergert,endagildir    YettafrumvarpaWeinsumbyrgWarmenn.Xessa_hugsun_ԀertluninaWfrainnslenskanrtt   meWlgfestingufrumvarpsins. {    XaWermatflutningsmannaaWmeW_framlagningu_Ԁfrumvarpsins,einkanlega9.gr.,s nF _engan_ԀhttvegiWaWeWlilegusamningsfrelsilandinuendaerhraWeinsveriWaWstandagegn 9 YvaWgertverWifjrnmheimilumYeirrasemgangastpers;nulegabyrgWfyrirYriWja  aWila,nYessaWYeirhafipers;nuleganhagaf_lnveitingunni_.EftirsemWurgeta  einstaklingar_frjlsum_Ԁsamningum_veWsett_ԀeigursnaraWvild.FlutningsmennteljaaW r _samningsfrelsi_ԀsogverWieinafgrundvallarreglumsamflagsinsY;tteWlilegar e= _undantekningar_ԀgetiveriWYeirrireglusemfinnamUmisdmiumlggjfinni.0 0 frumvarpinueruskUrar_reglur_ԀumhvernigstandaskuliaWsamningsgerWYegarYriWjimaWur  gengstbyrgW_efndum_Ԁ_aWalskuldara_Ԁvegna_fjrskuldbindinga,_ԀaukYesssem_byrgWarkrafa_  erfrWskrneWar,nYessaWlagtsbannviWnokkrusemnerheimilt. i   RkinfyrirYeimreglumsemhrerlagttilaWverWilgfestarerumarkmiWiWumvernd \4 _einstaklingsins_ԀskumYeirrar_yfirburWastWu_Ԁsem_lnveitendur_ԀhafajafnanviWsamningsgerW. ' XaWereinnigmatflutningsmannaaWsYr;unsemtthefursrstaWhrlandifjlda  _byrgWarmanna_Ԁs;viWunandi,einsogWurnefndskUrslaviWskiptarWherrabermeWsr.Enn  fremurerfrumvarpinugerWskrafatilkrfuhafaaWYeirsendiumhverram;ttilkynningu `  til_byrgWarmanna_ԀmeWupplUsingumum_byrgWir_ԀsemYeirhafagengistoghvortYrsu S+! _vanskilum_ԀogYhversumikilYauvanskileru.Flutningsmenntelja_nauWsynlegt_ԀaWhaldiW " svel_utan_ԀumYettaYvaWeinsog_byrgWarmannakerfiW_ԀhefurYr;asthrlandier;vstaW # allirhafi_nkvmt_ԀyfirlityfirYaWhvaWa_byrgWum_ԀYeireru.MsemdmibendaLnasj;W  $ _slenskra_Ԁ_nmsmanna,_ԀenlngumhefurtWkastaW_samstdentar_Ԁskrifiupplnhverfyrir !W% _annan_ԀnYessoftogtWumaWhafangayfirsUnyfirhvaWa_byrgWir_ԀYeirhafa_skrifaW_Ԁupp J""& . #'   EinsogWurhefurkomiWframerfrumvarpYettalagtframfj;rWasinniYarsemYaWvarW #( ekkitrttsWastaYingi. $ )   AthugasemdirviWeinstakargreinar.  A&"+  @ Um1.gr.  '",   SamkvmtgreininnimunulgingildaumsamningaogskuldabrfYarsemeinstaklingur '#- _hefur_ԀskuldbundiWsigpers;nulegaeWafyrirhnd_einkafirma_ԀtilaWtryggjaefndir ( _peningakrfu._ԀEnnfremurerYeimtlaWaWgildaumsamskonarsamningaYarsem  einstaklingarhafa_veWsett_Ԁeigursnartiltryggingar_efndum_Ԁ_peningakrfu_Ԁhendur  _aWalskuldara_.LginmunugildaumallasamningaeinstaklingaYarsemYeirhafakveWiWaW a gangastbyrgW_gagnvart_ԀYriWja_aWila_ԀogbreytirenguhvortbyrgWiner_in_Ԁ_solidum_,_pro_Ԁrata, T, einfldeWaannarskonarbyrgW._AWalatriWiW_ԀviWmatYvhvortlgintakatil_gerningsins_  erhvort_einstaklingur_Ԁgengst_byrgW_ԀYarsem_aWalskylda_Ԁ_aWalskuldara_ԀergreiWslapeninga.  Lginmunueinnigtakatiltilvika_Yegar_Ԁ_einstaklingar_Ԁtakasigpers;nulegabyrgW   gegnum_einkafirma_Ԁsitt.AWalatriWiWviWmatYvhvortlgineigiviWerhvorteinstaklingur  X verWipers;nulegabyrgurfalliniWurgreiWsla_af_Ԁhlfu_aWalskuldara._ K #    LginmunutakatilallraeinstaklingatilvikumYarsemfleirieneinnhefurundirritaW    _byrgWarsamning._ԀRttarsambandhversogeinserYvsjlfsttt_gagnvart_Ԁkrfuhafa.      tlunineraWlgingangiframargildandilgumsemfjallaumbyrgWarmenn,_Y.e._ԀYeim   ertlaWaW_taka_Ԁtilallrasamskiptakrfuhafaog_byrgWarmanna_. wO    LgunumerekkitlaWaWgildaum_byrgWir_ԀsemekkintiltekinnifjrhW. B  _ViWskiptarWherra_ԀseturnnarireglurumYfjrhWenhnmekkiverahrrien300.000    _kr_.ViWmiWuniner_heildarfjrhW_Ԁsem_byrgst_ԀergagnvartkveWnum_krfuhafa._ԀXvverWur   ekkikomistframhjYessumreglummeWYvaWgerafleirisamningaeneinnviWsama {  _lnveitanda_._MeginstWa_ԀYessaWflutningsmennviljatakmarka_byrgWir_ԀviWkveWna nF fjrhWeraWreglunumerekkitlaWaWheftaviWskipti.XaWvriY;hugsanleg_niWurstaWa_ 9 efreglunumvritlaWaWtakatilallraviWskipta,hversusmvgilegsemYaukynnuaWvera.    LgunumerekkitlaWaWgildaum_byrgWaryfirlUsingar_Ԁvegnaverkog/eWa  _vinnusamninga_ԀeWaaWrasamningaYarsemkveWiWerumaWra_aWalskyldu_Ԁ_aWalskuldara_Ԁen r greiWslupeninga._AWalskuldari_ԀgeturveriWhvortheldursemereinstaklingureWa_lgaWili._ e=   Lginmunutakatilallra_rttarsambanda_ԀYarsemYriWjimaWurhefurgengistpers;nulega 0 byrgW_fyrir_ԀgreiWslu_peningakrfu_.XeimerekkitlaWaWveraafturvirk,enhinnb;ginn  munuYaugilda_um_Ԁ_rttarsambnd_ԀsemYegarhefurveriWkomiWoghefurekkiveriWlokiW.  MYarnefna_upplUsingaskyldu_Ԁkrfuhafagagnvart_byrgWarmanni_,rttarstWuviWlUsingu i krafnaYrotabog_annaW_ԀY;ttlgintakiekkitilstofnunar_byrgWarsamnings_ԀsemYegar \4 hefurveriWstofnaWtil. ' @ Um2.gr.    GreininYarfnastekkiskUringa. `  @ Um3.gr. "   HrerkveWiWumaWviWframsalkrfutaki_framsalshafi_ԀviWrttindumogskyldumhins # _upphaflega_ԀkrfuhafaeinsogYreru._Framsalshafi_ԀberbyrgWYvtj;nisemkannaW  $ _hlj;tast_ԀafYveWaverWurrekiWtilYessaW_byrgWarmanni_Ԁvarekkitilkynntum_framsaliW_Ԁog !W% gatYvekkiafYeimskumtryggthagsmunisna. J""& @ Um4.gr. #(   0YessarigreinkemurframYaW_formskilyrWi_Ԁfyrirgildi_byrgWarsamnings_ԀaWhanns $ ) _skriflegur._Ԁ0_byrgWarsamningi_ԀaWkomaframhvaWaupplUsingarlgufyrirviW v%N!* samningsgerWina.EnnfremurskalkomaframhvaWarttindikrfuhafi_skilur_Ԁsrgagnvart A&"+ _byrgWarmanni_Ԁ_umfram_ԀYaWsemleiWiraflgumogvenjum,efeinhvereru,YvaW  '", _byrgWarmaWur_Ԁerekki_bundinn_ԀafWrumskilyrWumenYeimsemframkomasamningum '#- nemalgeWavenjurkveWiumannaW.kvWiWnreinnigtil_handhafabrfa_. (   02.mgr.kemurframaW_byrgWarsamningur_Ԁer;gildurefekkikemurskUrtframhverer  _hfuWst;ll_Ԁkrfuhendur_aWalskuldara_.Jafnframter;heimiltaWkveWaum_afhendingu_  _viWskiptabrfs_ԀmeW_byrgWarmnnum_Ԁtiltryggingar_;kveWinni_Ԁkrfu.XettakvWihefur a frmeWsraW;heimilteraWafhenda_viWskiptabrf_ԀmeW_byrgWarmnnum_ԀYvskyniaW T, tryggjakrfusemkannaWstofnasthendur_aWalskuldara_Ԁ_;skilgreindri_ԀframtW.Semdmi  mnefnaaWbankar,lnastofnanireWa_greiWslukortafyrirtki_Ԁgtuekkilengur_krafist_ԀYess  aW_einstaklingur_ԀlegWifram_viWskiptabrf_,_t.d._Ԁ_tryggingarvxil_,meW_byrgWarmnnum_ԀWur   en_umbeWin_Ԁ_fyrirgreiWsla_Ԁfengist.Slkursamningurvri;gildur.  X @ Um5.gr.      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'   RtteraWvekjasrstakaathygliYvaWcliW2.mgr.kemurframaW_byrgWarmaWur_Ԁeigi  rttYvaWfaWvitaumaWrarskuldbindingar_aWalskuldara_ԀhjviWkomandi_lnveitanda_Ԁog  stWuYeirra.XessarupplUsingarverWaY;ekkiveittarnemaaWfengnusamYykki `  _aWalskuldara._ԀEfhannveitirekkisamYykkisitt_byrgWarmaWur_Ԁhinnb;ginnrttYvaW S+! faWvitaumYaW_Wur_Ԁenhann_undirritar_Ԁ_byrgWarsamning_. "   AWlokumerkveWiWumaW_byrgWarmaWur_ԀeigirttYvaWfafhenteintkaflnsog # _byrgWarsamningum_Ԁsnum.  $ @ Um6.gr. 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J""&   Heimili_byrgWarmanns_ԀogfjlskylduhanstelstsstaWurYarsemfjlskyldanhefuraW #' _jafnaWi_ԀbkistW.0YvfelstaWheimiliWersstaWurYarsemviWkomandieinstaklingur #( geymirYhlutisemhonumerunauWsynlegirdagsinsnnogerutilYessfallniraWhalda $ ) _eWlilegt_Ԁheimili.XaWmorWaYessaskilgreiningusvoaWheimilimannsssstaWurhvaWan v%N!* viWkomandigerirtsnatilveru.ViWskilgreininguorWinuheimiliYarfaWsjlfsgWuaW A&"+ athugahvarviWkomandi_einstaklingur_ԀhefurskrWlgheimili,enYaWYarfY;ekkiaWvera  '", _rslitaatriWi_.hinnb;ginn_takmarkar_ԀreglanekkiaWaWfrverWigerWWrumfasteignum '#- eWaeignum_byrgWarmanns_Ԁsemekkieru_undanskildar_ԀaWfr,sbr.lgnr.90/1989,Y;svoaW ( _aWfararheimild_Ԁeigir;tsnaaWrekjatil_byrgWarloforWs_.Ef_byrgWarmaWur_Ԁheldurtvheimili  skalekkigerWaWfrYeirri_fasteign_ԀsemvegurYyngraheimilishaldifjlskyldunnar.    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