Debt enforcement (icra takibi) is the standard tool for collection. When you receive the payment order, you can object within a strict short window.
Time to object
7 days for general enforcement, 5 days for commercial-paper enforcement, counted from service. Missing the deadline makes the debt final.
Types of objection
Object to amount — disputing the figure. Object to debt itself — denying any obligation. Object to signature — the document is forged or unsigned by you.
Effect
Enforcement stops. The creditor must sue to lift the objection (itirazın iptali) within one year. Failing that, the debt becomes time-barred.
Frivolous objection
An unfounded objection exposes you to a 20% penalty, so object only with grounds and proof.