Debt auditing
Every month the
NII executes debt auditing on all insured persons and employers.
According to
the law, we may decide to which insured persons/employers notices of debt,
reminders and demands for payment will be sent.
After sending
the notices and reminders in the mail and subsequently making a number of
telephone calls, the NII is authorised in the ordinance to take legal steps to
collect the debt.
Foreclosure order
The NII sends a
foreclosure order to a third party who may possess assets and money
belonging to the insured person/employer, and compel the third party to
transfer the money for the insurance debt.
The NII sends
foreclosure orders to many bodies for insured persons/employers insurance debts,
with copies to those insured persons/employers who owe the money.
The collections
official and worker responsible for collection may send a foreclosure
notice without going through the courts.
Bodies to which
foreclosure notices are sent include: banks/provident funds/insurance and
credit companies/government offices and various employers and suppliers where
there is reasonable grounds that the insured persons/employers work with or for
them (salary foreclosure).
The NII may
also foreclose and sell motor vehicles/engineering equipment as well as real
estate assets (apartments/ plots of land, fields, etc.).
For your
information!
A foreclosure
order is a court order by law and is valid for 90 days from the day it was
issued.
The NII is not
obliged to go to court to send a foreclosure order.
Response to foreclosure order
Receipt of a
foreclosure order obligates the third party receiving it
to respond to the NII
at once if he/she possesses assets or money of the insured person/employer who
owes it.
If there is
money, or the third party receives it, the latter has 90 days by law from the
date on which the order was sent to transfer it.
Cancelling foreclosure
The NII sends
an
order cancelling the foreclosure in the following cases:
If the insured
person/employer settles the insurance debt and/or the third party transfers
what is owed in full and/or the debt is repaid and cancelled.
In such a case
an order cancelling the foreclosure is sent to all the bodies with a copy to
the insured person/employer.
Charging the third party
If the third
party does not respond to the foreclosure order, the NII may compel it to pay
the debt appearing on the order.