Pitronot rescues families who fall into serious debt and legal quagmires from financial ruin, unrelenting pressure from creditors, and the destructive toll it takes on their health and families.
Pitronot’s team of dedicated financial and legal experts conduct in-depth assessments and design and implement an optimal debt-resolution plan tailored to the specific situation and capabilities of each client. Services include: debt restructuring, debt consolidation, mediation, negotiation, advocacy, freeing and realizing assets, legal protection, and more.
Pitronot works with all relevant parties, from the largest financial institutions to the black market, from government agencies to local charities. Pitronot seeks regular guidance from leading rabbinical and halachic authorities, and from specialized legal counsel. It services the full spectrum of religious families throughout Israel and works closely with their rabbanim, community leaders and organizations.
Pitronot is a social enterprise of Amutat Ofkei Chaim (1993) and (USA-chartered) JOIN Israel (1991), relying on private donations to subsidize our critical services.
Israeli tax-deductible (sief 46, #58-022-0010) donations are accepted here, while USA (501(c)3, EIN 13-3643245) donations are accepted here.
Families we helped
Total savings on negotiated settlements
Total amount we saved for our customers
Amount includes customer debts
Reliving the Dream
In 1992 Alexander and Vicky married with dreams of building a beautiful new life. But those dreams shattered one by one as tragedy struck their families.
First, Alexander’s brother was killed in a terror attack, leaving Alexander the sole offspring of his sick, broken parents. He quit his studies at university in order to care for them, but nonetheless Alexander’s father suffered a heart attack shortly afterwards and passed away. His mother fell completely on the young couple for care and support.
Meanwhile, Vicky’s parents were not well and also depended heavily on the young couple.
Lacking a degree, Alexander found very low-paying work. In 2000 Alexander decided to return to his studies and finish his degree in order to support his growing family. He took a bank loan to pay for tuition and to live on. But when Vicky developed a serious illness and had to discontinue work, Alexander was forced to discontinue his studies a second time.
Again without a degree, Alexander struggled financially to support and care for a wife who was ill, his mother, his in-laws, and his seven children, of whom five suffer from physical and mental disabilities. He became hopelessly mired in debt, and finally reached out to Pitronot for help.
Pitronot negotiated with Alexander’s creditors to remove penalties and interest, and reduced the debt from 200,000 NIS to 70,000 NIS upon conditions of immediate repayment. Seeing the opportunity to allow Alexander and Vicky start anew, their extended family stepped up to pay off the 70,000 NIS debt.
Now Alexander can focus all his attention on his new job and his loved ones, without the burden of debt weighing him down.
A New Life for Meira
Shortly after her marriage, Meira began to realize that her husband, Yossi, was a gambling addict.
At first she didn’t understand the severity of his problem, but over time it became clear. He gambled away whatever money they had, Meira’s salary, and eventually hundreds of thousands of shekels in loans that had been guaranteed by family and friends.
Creditors came to their home demanding repayment. Electricity was shut off for extended periods, including winters with infants. Yossi fled, leaving Meira two weeks after birth and with four other young children, to answer to the insistent criminal underworld creditors.
Meira suffered terribly until she finally decided she needed a divorce, but it took her three years to receive it. When she finally received the divorce, she was still burdened by huge debt and her children’s schools were threatening to kick them out.
Her meager salary of 1,500 NIS ($425) a month and a small government welfare stipend don’t begin to cover even her daily expenses and rent. Yossi does not pay child support, and her parents have no means to help out.
Pitronot successfully convinced businesses and creditors to have compassion for Meira’s plight, and reduced her debt from 130,000 NIS to 10,000 NIS. Together with a local charity, Pitronot then covered the remaining debt of 10,000 NIS.
Meira is now able to make a new life for herself, unburdened by debt.
Counseling and guidance
Planning and escort and rehabilitation program
Halachic and legal representation
program: loans or advocacy
USA: JOIN Israel
232 Madison Ave. STE 608
New York, NY 10016-2947
Israel: JOIN Israel
48/1 Nachal Dolev
Ramat Beit Shemesh 9962140
SWIFT code: MIZBILIT
MIZRAHI TEFAHOT BANK LTD
BANK NO.: 20
Business name: JOIN Israel
Domestic wiring ABA – 021000021
Int’l: swift CHASUS33
Bank address: Chase, 270 park Ave. New York, NY 10017