In short: A creditor who wants to add an amount to the debt in an Israeli Execution Office file files a "creditor's application to increase or add to the principal of the debt" (Form 502 of the Enforcement and Collection Authority). If you are given the right to respond, this is the time to check the application, because once the registrar approves the increase, the amount is recorded in the file and keeps accruing interest and linkage. The checks are simple: which decision, how many days, from what date the interest runs, whether the arithmetic works, and what was attached.
What Form 502 is
It is the form a creditor uses to increase the principal of the debt or add a component to it. The reason is ticked from a list that includes, among others: change of principal, proceeding costs, clerical error, calculation error, additional legal fees, registrar's decision and periodic charge.
The form itself lists the attachments required for some reasons:
- For a change of judgment: "a copy of the judgment must be attached".
- For proceeding costs: "a report of the executed proceeding and receipts from the outside parties who carried it out must be attached".
- For service costs: "receipts and the confirmation of service must be attached".
(quotations translated from Hebrew)
If the application you received relies on one of these reasons and the attachment is missing, that is the first point for your response.
The five checks
1. Which decision the application relies on, and exactly what it says. Read the original decision. If it set a daily amount, a period or a condition for ending, check that the application does not go beyond them. Also check whether the decision awarded interest, and if so from when.
2. The number of days. Count the days yourself from the start date to the end date, and check that the method is the same in every application in the same file: whether both the first and last day were counted, or only one of them.
3. The date from which interest runs. In the calculation sheets we have seen there is a field for "judgment date" or "default start date". If the charge arises day by day, check whether interest was counted from the day each part arose, or from one early date for the whole amount.
4. Whether the arithmetic works. Add up the base amount and the interest in the sheet and compare with the result. It sounds obvious, but see the example below.
5. What else was recorded in the file. Open the file on the Enforcement and Collection Authority website, go to the debt breakdown, and check how earlier increases were recorded and whether interest and linkage were added to them separately.
Example: a Mizrahi Tefahot Leasing pledge file
In a car pledge file run by Mizrahi Tefahot Leasing through the law firm Chen Fisher Gabbay, a charge of NIS 100 a day was set until the car was handed to the receiver. The first debt increase application came with a sheet showing: amount NIS 13,500, interest NIS 301.66, result NIS 13,969.06. The two components add up to NIS 13,801.66, so the result contains NIS 167.40 the sheet does not explain. In both sheets filed in the case, interest was counted from 13 January 2026, the date of the decision, both on a charge that began on 19 January and on a charge that began on 3 June. Both applications were approved. On interest, the registrar ruled that it "derives from the law" and referred to section 5 of the Adjudication of Interest and Linkage Law, 5721-1961. Full details in Mizrahi Tefahot Leasing: 100 shekels a day on a pledged car.
In the first response in that file the interest point was not raised, and the decision approving the increase did not discuss it. The practical lesson: do the checks in the very first response, not in a later application.
How to respond
- On time. In the example file the registrar gave seven days to respond. Check the deadline in the decision you received.
- Briefly and in numbers. State what the creditor asked for, what you think the amount should be, and how you calculated it. Attach your calculation.
- Without repeating decided arguments. In the example file the registrar wrote that the response "repeats arguments already made", and warned that such applications could lead to costs. Focus on what is new in this application.
- A request for clarification. If it is unclear what the amount is made of, you can ask that the creditor clarify by affidavit the basis of the interest, its start date and its rate.
Questions and answers
Can the creditor increase the debt without my knowing?
The application is filed in the file and requires a registrar's decision. In the example file the debtor was given the right to respond before the decision. Follow your file on the Authority's website and make sure your address for service is up to date.
May interest be added to awarded costs?
In the example file the registrar ruled that the interest charge derives from the law. The question worth checking in every case is from when it runs and at what rate.
What if I find an error after the application was approved?
You can apply to the registrar, but an argument not raised in time is harder to make. That is why it matters to raise everything in the first response.
This is general information based on documents from one file, not legal advice.
Read also
- Mizrahi Tefahot Leasing: 100 shekels a day on a pledged car, and interest counted from the decision date
- How do you know how much you really owe Mizrahi Tefahot Bank?
- Mizrahi Tefahot Leasing: the attorney fee that was cancelled, erased and returned
- Mizrahi Tefahot debt collection: how did a request to close a debt become a bench warrant?