How long does a debtor have to object to a promissory note at the Execution Office?

Under Section 19 of the Execution Law 5727-1967, the debtor has 20 days from service of the payment demand (azharah) to file a formal objection (hitnaagdut) with the Execution Office Chief. The objection must set out specific grounds — for example, that the note has already been paid, is a forgery, or was obtained by fraud. Failing to object within 20 days allows the creditor to proceed with full enforcement measures including wage garnishment and bank account seizure without any further hearing.