What changed in enforcement: seizures at home and fees in small debts

The familiar image of enforcement is a knock on the door and an official listing the television. Since March 2025 that picture has changed.

Seizure at home

Amendment 77 to the Enforcement Law separates seizures at a business from seizures in the home of an individual debtor. Entering a debtor's home to seize belongings is now subject to stricter conditions and to review by the enforcement registrar. Where the creditor is a corporation, such as a company or a bank, a home seizure can be requested only for a debt of at least 35,000 shekels.

In addition, a personal computer and a mobile phone used by the debtor and their household are now assets that cannot be seized.

Fees in small debts

In a file where the debt is under 4,500 shekels, the lawyer's fee charged to the debtor is capped at 244 shekels or 10% of the debt, whichever is higher. The aim: a small debt should not swell because of costs. The amounts are updated from time to time.

What it means for debtors

Less pressure at the door, but no less debt. Other collection measures, such as freezing a bank account or attaching a salary, remain. The right approach is still to act early: check the debt, propose a settlement, or ask for a monthly payment set according to your means.

What it means for creditors

Anyone owed money needs to choose the right collection tool for the file. In a small debt, the costs that can be recovered are more limited. In a large debt, a home seizure will no longer be the default. Usually, attaching accounts, salary or funds held by a third party works better.

If you have an open file, on either side, I would be glad to look at it with you and work out the right next step.

This article is general information, not legal advice. Every case is different, and the law changes from time to time. Before acting, it is worth taking advice on your own circumstances.