Automatic attachments from 23 October: what debtors and businesses should check before launch
From 23 October enforcement proceedings partly become automatic: searching for accounts, attaching and debiting funds, and lifting attachments after full payment.
What changes
From 23 October 2026 the main amendments of Law No. 4833-IX on digitalising enforcement proceedings take effect. Non-bank payment services and e-money issuers are being connected to data exchange, so enforcement will also reach e-money and wallets.
Institutions' systems must check new enforcement requests every hour and answer an information request within one business hour. After full payment a repayment notice is generated automatically and is the basis for lifting attachments and removing the debtor from the Unified Register of Debtors. Under Ministry of Justice order of 29.07.2026 No. 1998/5 this applies where the amount to be recovered does not exceed 10 minimum wages.
What debtors and businesses should note
Speed rises both ways: both attachment and release will happen faster. For persons in the Register of Debtors, banks will not extend deposit terms and will direct the funds to enforcement.
This should not be confused with the automatic recovery of tax debt, which concerns only legal entities with an agreed debt.
What to check in advance
- Open proceedings. Whether there are enforcement proceedings against you or your company and whether the data in them is up to date.
- Accounts and wallets. Which accounts, cards, e-wallets and deposits may be subject to recovery.
- Proof of payment. Confirmations of payments to quickly show the debt is repaid.
- Appeal deadlines. Whether the deadlines for challenging the enforcement officer's actions have not expired.
This is my professional position, not individual advice: details depend on the circumstances of the proceedings.