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Negotiating a debt with a creditor

Points of agreement

If you owe money and are having trouble repaying the debt, you can try to negotiate with the person you owe (the creditor).

Payment Difficulties
The Debtors' Ombudsman

Matsferill – The Icelandic Student Assessment Profile (ISAP

It supports regular follow-up of academic development across the school years.

Directorate of Education and School Services

Security measures for the storage of personal data in a cloud computing environment

Explanation of the points to consider in order to ensure the security of personal data in a cloud computing environment

Processing of personal information
Data Protection Authority

Aid to pay for the costs of bankruptcy

Once an application for assistance for financial problems has been approved

Payment Difficulties
The Debtors' Ombudsman

Debt mitigation- remedies to debt problems

Responsibility and obligations during moratorium on payments

You can get help with a comprehensive solution to your debt problems. You can often resolve financial problems in this way and avoid bankruptcy.

Payment Difficulties
The Debtors' Ombudsman

Bancruptcy of individuals

Your assets

An individual can file for bankruptcy

Payment Difficulties
The Debtors' Ombudsman

Debt mitigation- remedies to debt problems

Application is accepted

You can get help with a comprehensive solution to your debt problems. You can often resolve financial problems in this way and avoid bankruptcy.

Payment Difficulties
The Debtors' Ombudsman

Getting older

Once it has been registered in Heilsuvera, it is valid in all pharmacies in the country.

Life events

Prevention of Violence and Accidents

Relationships and communication

The activities of the Directorate of Health in the field of violence and accident prevention concern gathering data, research, education, and preventive work.

Public health
Directorate of Health

Object a traffic fine

If you believe your ticket is not valid, you can dispute it. It is important to act quickly to avoid extra fees or further collection actions.

Traffic and traffic violations
The Icelandic Police