What happens after a file is opened
The debtor receives a warning notice with a period to pay or raise their claims. If the debt is not paid, the creditor can ask for measures: attaching bank accounts, wages and assets, and restrictions such as on a driving licence and an exit ban from Israel. Meanwhile interest, linkage and costs keep adding up on the debt.
A payment order based on your ability
A debtor who cannot pay the whole debt at once can ask the Execution Office registrar to set a monthly payment based on their income and expenses. The request includes a full account of the financial situation and the documents that support it.
Consolidating files
For someone with several files, consolidation brings them together into one file with one monthly payment that is divided among the creditors. It is done at the debtor's request, and the Execution Office checks their ability to pay before deciding.
An arrangement with the creditor
Even with the file already open, it is possible to approach the creditor and agree on an amount and instalments. Such an agreement is reported to the file, so the proceedings are updated to match.
If you are abroad
You can find out which files are open in your name and where they stand, and file requests, through a lawyer in Israel with a power of attorney. It is worth doing before a visit, so you do not discover a restriction only at the airport.
Common questions
How do I know whether I have an Execution Office file?
You can check on the Enforcement and Collection Authority website after identifying yourself, or through a lawyer with a power of attorney. That shows every file, the creditors and the current amounts.
What is the difference between a payment order and consolidating files?
A payment order sets a monthly payment in a file based on your ability. Consolidation brings several files together into one monthly payment that is divided among all the creditors.
Can I reach an arrangement without paying the whole debt at once?
Yes, that is exactly what payment orders, consolidation and arrangements with the creditor are for. The right route depends on the number of files, the amounts and what you can pay.
The information on this site is general information about Israeli law and procedure, not legal advice for a specific case.