My debt has multiplied several times over — is that legal?

Interest and linkage are lawful within the limits set by law, but an incorrect calculation, double interest, or interest above the cap can inflate the debt unlawfully. The calculation can be checked and a correction and refund requested.

How do you know whether the interest was calculated correctly?

You examine the original principal balance, the interest and linkage rates applied, and the period — and compare them to the correct calculation under the law. A discrepancy points to a possible over-collection.

How much does the check cost?

The check is free. An attorney's fee of 25% + VAT is charged only if and when an actual refund is received. No win, no fee.

Guide · Garnishments and Over-Collection

Incorrect Interest and Linkage in Enforcement — Over-Collection Check

A debt that started at a certain amount can balloon significantly over the years due to interest and linkage. Part of that growth is lawful — but an incorrect calculation or interest beyond what is permitted can inflate the debt unlawfully and entitle you to a refund.

In short: Interest and linkage are permitted within the limits of the law. If the interest was calculated incorrectly, doubled, or exceeded the cap — you may have been over-charged, and a correction and refund can be requested.

How does a debt "balloon" in enforcement?

Arrears interest and index linkage are added to the adjudicated debt, along with expenses and fees. Over time, especially in old files, the total amount may be far higher than the original principal. It is important to verify that every component was calculated lawfully.

When might the calculation be wrong?

Interest rate above the cap — arrears interest higher than permitted by law.
Double interest — linkage and interest calculated in a way that doubles the charge.
Wrong calculation period — interest accrued over an incorrect period or after settlement.
Failure to credit payments — payments that were made but not deducted from the principal before the interest was calculated.

How do you check and get a refund?

Obtain a full case statement including the breakdown of principal, interest, linkage, and expenses.
Check the interest and linkage rates applied against what the law permits, and check the period.
File the appropriate application (including a claim of payment, "pareti") to correct the calculation and recover amounts collected in excess.

Has your debt ballooned too much? Let's check the calculation — for free

An over-collection and refund-eligibility check at no cost. If you are owed a refund — we handle it, and charge a success fee of 25% + VAT only from the amount actually refunded. No win, no fee.

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More guides:‹ Double collection and collection after settlement ‹ Claim of payment ("pareti") — full guide ‹ General guide: over-collection and garnishment

Official sources

Enforcement and collection — Kol-Zchut Claim of payment ("pareti") — Kol-Zchut Legislation (interest and linkage) — National Legislation Database

This guide is general information only, based on official public sources and databases, and does not constitute legal advice or a substitute for individual advice from an attorney. Interest rates and rules are updated from time to time. Use of the site does not create an attorney–client relationship.