“If I can’t pay my debts, how can I afford the process?” It is the most common fear — and the answer is more reassuring than people expect.
The components of cost
The cost has three parts: a state fee to open the process, the monthly payment set according to your ability, and legal fees for representation. Importantly, the monthly payment is based on what you can actually pay — not the size of the debt — so people with very limited means pay very little.
Why it is affordable
The whole point of the process is rehabilitation, so it is designed to be accessible to people who, by definition, have little money. Legal fees are commonly spread into convenient instalments, and we explain every component transparently in a no-obligation consultation.
The cost of doing nothing
Doing nothing has its own price: mounting interest, attachments, exit bans and constant pressure. For most people, an orderly process that ends in a discharge is far cheaper — financially and emotionally — than years of being chased.
Frequently asked questions
What if I truly have no money?
The monthly payment is set by your ability, so those with very limited means pay very little. The process is built to be accessible precisely because debtors have little money.
Can legal fees be paid in instalments?
Yes, legal fees are commonly spread into convenient instalments. We explain all costs transparently up front.
Official sources
- Commissioner of Insolvency and Economic Rehabilitation — official site (Ministry of Justice)
- “Mamo-Net” — online applications to the Commissioner (Ministry of Justice)
- Kol-Zchut — Insolvency and Economic Rehabilitation (Bankruptcy)
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