Guide · Garnishments and Over-Collection
Funds and Assets Protected from Garnishment — What the Law Protects
Israeli law protects certain amounts and assets from garnishment, in order to ensure a dignified living. Knowing these protections can save you money — and win you a refund if you were over-collected.
The Main Protected Funds
- Protected balance in the bank account — a minimum amount that may not be garnished, updated from time to time.
- Protected wages — part of the wage is protected; a wage below a certain threshold cannot be garnished at all.
- Benefits and pensions — subsistence benefits from the National Insurance Institute are protected, in full or in part.
- Essential assets — household utensils, clothing and basic movable property needed for reasonable living, and sometimes tools of the trade.
Why does this matter to you?
If protected funds or assets were garnished from you, the garnishment may be unlawful and can be reversed — and sometimes you may even receive a refund for what was collected unlawfully.
How do you check?
- Identify which of the garnished funds fall within the protected categories.
- Gather documentation of the source of the funds.
- Submit the appropriate application to cancel the garnishment and recover the amounts.
Were you over-collected? Let us check — for free
A garnishment and refund-eligibility check at no cost. If a refund is due to you — we handle it, and charge a success fee of 25% + VAT only on the amount actually refunded. No win, no fee.
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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 a lawyer. The amounts and rules are updated from time to time. Use of the site does not create an attorney–client relationship.