{"id":605,"date":"2026-04-14T14:02:50","date_gmt":"2026-04-14T11:02:50","guid":{"rendered":"https:\/\/apetlaw.gr\/kataschesi-eis-xeiras-tritou-prostasia-periousias\/"},"modified":"2026-04-21T23:45:50","modified_gmt":"2026-04-21T20:45:50","slug":"kataschesi-eis-xeiras-tritou-prostasia-periousias","status":"publish","type":"post","link":"https:\/\/apetlaw.gr\/en\/kataschesi-eis-xeiras-tritou-prostasia-periousias\/","title":{"rendered":"Third-Party Debt Orders: Legal Limits and Defense Strategies"},"content":{"rendered":"\n\n\t
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The imposition of\u00a0enforcement measures<\/strong>, whether through bank account seizures or the issuance of an auction schedule, represents a critical turning point for any individual or business. The complexity of the legislative framework (Code of Civil Procedure – CCP<\/strong>\u00a0and\u00a0Code for the Collection of Public Revenue – CCPR\/KEDE<\/strong>) and the strict deadlines make timely and specialized legal intervention essential.<\/p>\n

Third-Party Debt Order: What Actually Happens?<\/strong><\/p>\n

A\u00a0Third-Party Debt Order<\/strong>\u00a0(\u03ba\u03b1\u03c4\u03ac\u03c3\u03c7\u03b5\u03c3\u03b7 \u03b5\u03b9\u03c2 \u03c7\u03b5\u03af\u03c1\u03b1\u03c2 \u03c4\u03c1\u03af\u03c4\u03bf\u03c5) is the process by which a creditor seizes a debtor’s claims held by third parties. Typically, the “third party” is:<\/p>\n

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  • A Banking Institution<\/strong>\u00a0(for deposits).<\/li>\n
  • An Employer<\/strong>\u00a0(for wages).<\/li>\n
  • An Insurance\/Pension Fund<\/strong>\u00a0(for pension payments).<\/li>\n<\/ul>\n

    The Critical Distinction: Private Creditors vs. The State<\/strong><\/p>\n

    A common question involves how a debtor is notified. There is a\u00a0significant procedural gap<\/strong>\u00a0between private entities and the State:<\/p>\n

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    • Private Creditors (Banks, Funds, Individuals):<\/strong>\u00a0Under the\u00a0CCP<\/strong>, the creditor must serve the attachment order to the debtor\u00a0within 8 working days<\/strong>\u00a0of serving it to the third party. If this deadline is missed, the seizure is\u00a0null and void<\/strong>. This 8-day window is the first opportunity for filing an\u00a0Opposition (Anakopi)<\/strong>.<\/li>\n
    • The State (Tax Authorities, EFKA):<\/strong>\u00a0Under the\u00a0CCPR (KEDE)<\/strong>, the State is\u00a0not obligated<\/strong>\u00a0to notify the debtor. Information usually reaches the citizen “after the fact,” when they discover the frozen funds via e-banking or during a transaction.<\/li>\n<\/ul>\n

      Non-Attachable Limits: What Stays in Your “Pocket”?<\/strong><\/p>\n

      The protection of basic living resources is ensured through\u00a0non-attachable limits<\/strong>, which vary depending on the creditor.<\/p>\n

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      1. Seizures by the State (Tiered Protection)<\/strong><\/li>\n<\/ol>\n

        For debts to the Tax Office or Social Security Funds, the following protection applies to net monthly wages or pensions:<\/p>\n

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        • Up to \u20ac1,000:<\/strong>\u00a0Fully protected.<\/li>\n
        • \u20ac1,000 to \u20ac1,500:<\/strong>\u00a0The State can seize\u00a050%<\/strong>\u00a0of the amount exceeding \u20ac1,000.<\/li>\n
        • Above \u20ac1,500:<\/strong>\u00a0100%<\/strong>\u00a0of the excess amount is seized.<\/li>\n<\/ul>\n
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          1. Seizures by Private Creditors & The Statutory Protection<\/strong><\/li>\n<\/ol>\n

            The most vital protection stems from\u00a0Article 982 par. 2 of the CCP<\/strong>. According to this provision, claims from\u00a0wages, pensions, or social security benefits<\/strong>\u00a0are\u00a0non-attachable<\/strong>.<\/p>\n

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            • This means a private creditor (e.g., a Bank or Fund)\u00a0does not have the right<\/strong>\u00a0to seize your salary directly from your employer or your pension from the fund.<\/li>\n
            • The\u00a0sole exception<\/strong>\u00a0concerns alimony\/child support claims, where up to\u00a050%<\/strong>\u00a0may be seized.<\/li>\n
            • Any such attempt by a private creditor is\u00a0legally non-existent<\/strong>\u00a0and can be immediately annulled.<\/li>\n<\/ul>\n
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              1. The Non-Attachable Bank Account<\/strong><\/li>\n<\/ol>\n

                Additionally,\u00a0Article 20 of Law 4161\/2013<\/strong>\u00a0sets the non-attachable limit for bank balances at:<\/p>\n

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                • \u20ac1,500<\/strong>\u00a0for individual accounts.<\/li>\n
                • \u20ac2,000<\/strong>\u00a0for joint accounts. This applies regardless of the source of the funds, provided the account has been officially declared as “non-attachable” via the Taxisnet platform.<\/li>\n<\/ul>\n

                  Legal Remedies for the Debtor<\/strong><\/p>\n

                  A debtor can respond through:<\/p>\n

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                  1. Opposition (Anakopi):<\/strong>\u00a0Challenging the legality of the seizure.<\/li>\n
                  2. Application for Stay of Execution:<\/strong>\u00a0Requesting a temporary freeze (including an Interim Order) to stop the transfer of funds.<\/li>\n<\/ol>\n

                    Conclusion<\/strong><\/p>\n

                    A\u00a0Third-Party Debt Order<\/strong>\u00a0is not a dead-end situation. The law provides clear protective limits and strict deadlines that creditors must follow.\u00a0Timely communication<\/strong>\u00a0with a specialized lawyer can save your assets, annul illegal seizures, and secure a stay of execution.<\/p>\n

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