# Debt, Enforcement & Insolvency Lawyer | Itai Levi Law Office | Netanya to the Galilee

> Leading debtor representation in Northern Israel — insolvency, enforcement (Hotza'a Lapoal), debt arrangements, discharge. Free initial consultation. 052-6260325

Source: https://debt-law-israel.co.il/en/

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## We understand

Most people in debt did not do anything wrong — life happened. A business that collapsed during COVID, a long reservist call-up that cut off income, a serious illness, divorce, layoff. Israel has over 800,000 active debtors in the Enforcement Authority. You are not alone — and you have rights.

- Full discretion — no one needs to know.

- Full transparency — you'll know what happens, when, and at what cost.

- Payment plans — no income today? Solutions exist.

- No false promises — we will not promise "debt erased in 30 days." Truth only.

- 2026 amendment expertise — fully up to date with all the changes.

- Multilingual service — Hebrew, Arabic, Russian, English.

## Three core practice areas

Three paths every debtor should know. We'll help you decide which fits.

### 🆕 Insolvency & Economic Rehabilitation

The Insolvency and Economic Rehabilitation Law, 5778-2018, replaced the old bankruptcy law and created a faster, more effective process. The end result: a **legal discharge** — formal cancellation of debts and the chance to start again. The 2026 amendments made the process even easier for self-employed and reservists. We handle every type of case: self-employed who collapsed, salaried with accumulated debt, reservists who lost income during the war, couples, and corporate insolvency.

[Read the full insolvency guide →](../pages/insolvency-overview.html)

### ⚖️ Enforcement (Hotza'a Lapoal)

Got a warning letter? File opened against you? Bank account frozen? Don't surrender to pressure. In many cases there is a way to defend: objection to execution, payment arrangement, file consolidation, deferral request. We handle all attachment types: bank account, salary, vehicle, real estate — and the most aggressive of all: alimony enforcement.

[Read the full enforcement guide →](../pages/enforcement-overview.html)

### 💸 Debt Management

Not every debt needs to reach enforcement or insolvency. In many cases a **creditors' arrangement**, a **statute-of-limitations** claim on old debt, or proper engagement with banks is enough. We handle bank debt, private loans, credit-card debt, tax debt (income tax, VAT, NI), municipal debt, and personal-guarantee situations that turn into personal debt.

[Read the full debt-management guide →](../pages/debt-management-overview.html)

## Your path back to control — 4 steps

1

#### Initial call

First conversation, free, discreet. We listen and understand the situation.

2

#### Diagnosis & strategy

Mapping debts, assets, and choosing the right path: arrangement, consolidation, or insolvency.

3

#### Execution

Filing petitions, managing creditors, accompanying you through hearings and arrangements.

4

#### Rehabilitation & discharge

Repayment plan, rehabilitation order, and finally — legal discharge and a new financial life.

## Why Itai Levi Law Office?

### 15+ years of experience

Across Northern Israel — enforcement offices, district courts in Haifa and Nazareth, active trustees.

### Human approach

Debt is not character. We don't judge. We listen, understand, and tailor the solution to you.

### Transparent pricing

Fixed fee for insolvency petitions, agreed fee for enforcement work. No surprises.

### Up to date on 2026 amendment

Experts in the new fast-track for reservists and the relief measures for self-employed.

## The first step — a discreet call

Free initial consultation. No commitment, no pressure, complete discretion. We listen, explain options, and you decide whether to continue.

[Book a meeting](pages/contact.html)
[052-6260325](tel:052-6260325)
[📱 WhatsApp](https://wa.me/972526260325)