Frequently asked questions

Any document related to the matter: letters and decisions received, details of enforcement files, agreements and receipts. Missing documents can be provided later.

The office can be contacted by phone, by WhatsApp or through the contact form on this site. Meetings take place at the office in Tira, FOX Building, Floor 2, by appointment.

Hebrew, Arabic and English. Meetings, explanations and correspondence are conducted in the language the client chooses.

No. The information on this site is general, and contacting the office through the site or the form does not create an attorney–client relationship. That relationship is formed only once the client and the office have expressly agreed on representation.

The warning notice sets a period for taking action. During that period the options can be considered: payment, an arrangement, or in some cases filing a request or an objection. Seeking legal advice as early as possible is recommended.

Consolidation is a procedure in which a debtor’s enforcement files are combined into a single file, and the debtor makes one monthly payment set according to their means, instead of separate payments in each file. Consolidation involves conditions and reporting duties, and restrictions may apply to the debtor while it is in effect. Whether consolidation suits the circumstances is assessed at the meeting.

In certain cases. Depending on the type of attachment and the circumstances of the file, an application can be made to the Enforcement Registrar to cancel or reduce it. Some funds and assets are protected from attachment by law, including part of a salary and certain benefits. Each application is assessed on its merits.

The law allows various restrictions to be imposed on a debtor, such as a ban on leaving the country, a restriction on the driving license and a restriction on the use of credit cards, where the conditions for doing so are met. An application can be made to the Enforcement Registrar to lift a restriction or to defer it, with reasons and supporting documents.

An enforcement file is opened on the basis of a document that the law allows to be enforced, chiefly a judgment, a cheque or a promissory note, along with other documents the law permits. The office opens files for creditors and manages the collection proceedings after reviewing the documents and the debt.

Not necessarily. The proceedings are intended for those who cannot meet their debts, and they involve conditions and consequences. The situation and the possible alternatives are reviewed at the meeting.

The Insolvency and Economic Rehabilitation Law, 5778-2018, sets out two main tracks for individuals: proceedings conducted before the Enforcement Registrar, and proceedings conducted before the Official Receiver and the court. The track is determined mainly by the extent of the debts and the debtor’s circumstances, and each track has its own rules, deadlines and consequences.

A discharge releases the debtor from the debts included in the proceedings. It is granted at the end of the proceedings when the conditions set by law are met, including compliance with the payments and duties imposed on the debtor during the proceedings. Certain debts are excluded from a discharge by law.

As a rule, once the order opening the proceedings is granted, collection proceedings against the debtor are stayed, including proceedings in enforcement files, and the debts are dealt with within the insolvency proceedings. There are exceptions to this rule, and the effect on each file is assessed according to its circumstances.

A creditor files a proof of debt in the proceedings within the period set for it, together with the documents that support the debt, and the claim is examined within the proceedings. A creditor may also submit a position or an objection at various stages of the proceedings. The office represents creditors in filing proofs of debt and in the proceedings in the file.

A demand letter sets out the claim and its basis, and allows the other party to pay or respond before a claim is filed. It also documents the demand and the date it was sent, and it sometimes allows the matter to be resolved without legal proceedings.

The fast-track procedure applies to monetary claims up to an amount set in the regulations, and is conducted on shortened timetables with a limited scope of pleadings and preliminary proceedings. Other claims follow the regular procedure. The track is determined mainly by the amount of the claim, and it affects the way the proceedings are conducted.

When a cheque or promissory note is submitted for enforcement directly at the Enforcement and Collection Authority, the debtor may file an objection within the period set by law. If the debtor is granted leave to defend, the matter is transferred to court and heard as a monetary claim. The deadline for filing the objection is of particular importance.

The Prescription Law, 5718-1958, sets a period within which a claim can be filed. A claim filed after that period may be dismissed if the defendant raises prescription. The length of the period, and the date from which it runs, depend on the type of claim and its circumstances, so this should be checked before a claim is filed or at the start of a defense.

Yes. Negotiations can be held and a settlement reached at any stage, before a claim is filed and during the proceedings. A settlement reached during proceedings can be given the effect of a judgment with the court’s approval. The terms of a settlement are reviewed before they are signed.