I paid but collection continues — what do I do?

Gather proof of payment and a case printout, then file a claim of payment («פרעתי») to recover the amounts and stop the collection.

How much does it cost?

The check is free. Attorney's fee of 25% + VAT only if a refund is actually obtained.

Guide · Garnishment & over-collection

Claim of Payment («פרעתי») — How to Recover Funds Over-Collected

Q: What is a claim of payment («פרעתי»)?

A proceeding under Section 19 of the Enforcement Law in which the debtor argues that the debt has been paid (in whole or in part) and requests to stop collection and recover funds collected in excess.

If you paid the debt — in full or in part — but the Enforcement and Collection Authority keeps collecting, the claim of payment («פרעתי») is the primary tool to stop the collection and recover what was over-collected.

In brief: the claim of payment («פרעתי») (Section 19 of the Enforcement Law) allows the debtor to argue that the debt has been paid and to request the recovery of amounts collected beyond the debt.

What is a claim of payment («פרעתי»)?

This is a proceeding under Section 19 of the Enforcement Law, in which the debtor argues that they have complied with the judgment or debt — paid it in whole or in part, or that the debt has otherwise been voided — and asks the Enforcement Registrar to stop the collection and recover amounts collected in excess.

When to file?

You paid the debt directly to the creditor and the payment was not recorded in the file.
Amounts were collected from you beyond the debt (incorrect interest/linkage, double charge).
Collection continued after the debt was settled.

How to file — step by step

Gather proof of payment and a case printout from the Enforcement and Collection Authority.
Prepare an orderly calculation of the difference between the debt and what was collected.
File the application together with the documents. If the Registrar is not persuaded on the basis of the documents alone, a hearing may be held.

What can you obtain?

A halt to further collection and closure of the file once the debt is paid.
Recovery of amounts collected beyond the debt.

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 you pay a success fee of 25% + VAT only from the amount actually refunded. No win, no fee.

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More guides:‹ General guide: over-collection and garnishment ‹ Bank account garnishment — what is protected and how to cancel it ‹ Salary garnishment — how much may be garnished

Official sources

Claim of payment («פרעתי») of a debtor in enforcement — Kol-Zchut Funds and property that may not be garnished — Kol-Zchut Enforcement and Collection Authority

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