An e-attachment is the mechanism that places a garnishment on a debtor’s bank accounts electronically, quickly and simultaneously, once the enforcement proceedings have become final. It rests on the provisions of the Enforcement and Bankruptcy Law (No. 2004) governing the attachment of rights and receivables held by third parties (Article 89), and runs through the integration between UYAP and the banks.
What it gives the creditor is reach: it touches accounts at several banks at once, which improves the chance of recovering and saves time against a physical attachment. A well-timed e-attachment often changes the debtor’s payment behaviour within days. It does depend on there being a balance in the account, and on the receivable not being one that cannot be attached — certain wages and maintenance payments, for instance. In our proceedings we use it in a planned way, alongside the search for assets.
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