The Proposal for Integrated ICT Solution for the Enforcement Monetary Claims Against a Judgment Debtor – Natural Person in Montenegro

Bearing in mind the problems currently occurring in the functioning of enforcement against monetary claims (hereinafter: enforced collection) of a judgment debtor – natural person, this paper presents a proposal for a project design which would resolve the main existing problems. The project design is based on the concept of the implementation of a integrated information and communications technology (ICT) system which would generally include all the writs of enforcement against judgement debtors - natural persons. The ICT system would be implemented in the Central Bank of Montenegro. Employers would pay wages arising from personal income in two instalments, the first of which would represent the funds excluded from enforced collection, while the second would be available for collection. The implementation of this proposal would require amending the existing regulations, finalizing the manner of the processing of personal income with the employer, as well as recording natural persons’ earning with the commercial banks. In addition, this solution includes the adjustment of both the organization and system of the issuer of the writ of enforcement, because all the writs of enforcement would be submitted to the Central Bank of Montenegro electronically.