{"id":2190,"date":"2025-09-15T11:00:24","date_gmt":"2025-09-15T08:00:24","guid":{"rendered":"https:\/\/tomovi.org\/?p=2190"},"modified":"2026-04-18T14:32:34","modified_gmt":"2026-04-18T11:32:34","slug":"%d0%ba%d0%b0%d0%ba-%d0%b4%d0%b0-%d0%bf%d0%be%d0%b4%d0%b0%d0%b4%d0%b5%d0%bc-%d0%b6%d0%b0%d0%bb%d0%b1%d0%b0-%d1%81%d1%80%d0%b5%d1%89%d1%83-%d0%ba%d0%be%d0%bb%d0%b5%d0%ba%d1%82%d0%be%d1%80-%d0%b8%d0%bb","status":"publish","type":"post","link":"https:\/\/tomovi.org\/en\/%d0%ba%d0%b0%d0%ba-%d0%b4%d0%b0-%d0%bf%d0%be%d0%b4%d0%b0%d0%b4%d0%b5%d0%bc-%d0%b6%d0%b0%d0%bb%d0%b1%d0%b0-%d1%81%d1%80%d0%b5%d1%89%d1%83-%d0%ba%d0%be%d0%bb%d0%b5%d0%ba%d1%82%d0%be%d1%80-%d0%b8%d0%bb\/","title":{"rendered":"How to File a Complaint against a Debt Collector or Arbitration?"},"content":{"rendered":"<p><\/p>\n<p data-start=\"268\" data-end=\"589\">More and more citizens face problems with debt collection agencies \u2013 phone harassment, threatening letters, or even references to \u201carbitration awards,\u201d which are invalid when consumers are involved. The law provides clear mechanisms for protection and the possibility to file complaints with the competent institutions.<\/p>\n<h3 data-start=\"591\" data-end=\"636\">1. Consumer Protection Commission (CPC)<\/h3>\n<p data-start=\"638\" data-end=\"844\"><strong data-start=\"638\" data-end=\"647\">When?<\/strong> For unfair practices, misleading information, attempts to force you to pay a non-existent debt, or reference to a void arbitration award.<br data-start=\"785\" data-end=\"788\" \/><strong data-start=\"788\" data-end=\"804\">Legal basis:<\/strong> Consumer Protection Act.<br data-start=\"829\" data-end=\"832\" \/><strong data-start=\"832\" data-end=\"842\">Where?<\/strong><\/p>\n<ul data-start=\"845\" data-end=\"1010\">\n<li data-start=\"845\" data-end=\"923\">\n<p data-start=\"847\" data-end=\"923\">Address: Varna Center Odessos, 112 Vladislav Varnenchik Blvd., 9000 Varna.<\/p>\n<\/li>\n<li data-start=\"924\" data-end=\"1010\">\n<p data-start=\"926\" data-end=\"1010\">Online: <a class=\"decorated-link\" href=\"https:\/\/kzp.bg\" target=\"_new\" rel=\"noopener\" data-start=\"934\" data-end=\"958\">kzp.bg<\/a> \u2013 electronic complaint form or email <a class=\"decorated-link cursor-pointer\" rel=\"noopener\" data-start=\"996\" data-end=\"1007\">info@kzp.bg<\/a>.<\/p>\n<\/li>\n<\/ul>\n<h3 data-start=\"1012\" data-end=\"1067\">2. Commission for Personal Data Protection (CPDP)<\/h3>\n<p data-start=\"1069\" data-end=\"1293\"><strong data-start=\"1069\" data-end=\"1078\">When?<\/strong> If a collector processes your personal data without legal grounds \u2013 e.g., without a valid contract or consent.<br data-start=\"1189\" data-end=\"1192\" \/><strong data-start=\"1192\" data-end=\"1208\">Legal basis:<\/strong> Regulation (EU) 2016\/679 (GDPR) and the Personal Data Protection Act.<br data-start=\"1278\" data-end=\"1281\" \/><strong data-start=\"1281\" data-end=\"1291\">Where?<\/strong><\/p>\n<ul data-start=\"1294\" data-end=\"1434\">\n<li data-start=\"1294\" data-end=\"1349\">\n<p data-start=\"1296\" data-end=\"1349\">Address: 2 Prof. Tsvetan Lazarov Blvd., 1784 Sofia.<\/p>\n<\/li>\n<li data-start=\"1350\" data-end=\"1434\">\n<p data-start=\"1352\" data-end=\"1434\">Online: <a class=\"decorated-link\" href=\"https:\/\/cpdp.bg\" target=\"_new\" rel=\"noopener\" data-start=\"1360\" data-end=\"1386\">cpdp.bg<\/a> \u2013 \u201cComplaints\u201d section or email <a class=\"decorated-link cursor-pointer\" rel=\"noopener\" data-start=\"1419\" data-end=\"1431\">kzld@cpdp.bg<\/a>.<\/p>\n<\/li>\n<\/ul>\n<h3 data-start=\"1436\" data-end=\"1474\">3. Bulgarian National Bank (BNB)<\/h3>\n<p data-start=\"1476\" data-end=\"1645\"><strong data-start=\"1476\" data-end=\"1485\">When?<\/strong> If the debt collection company is registered as a financial institution or operates with bank loans.<br data-start=\"1586\" data-end=\"1589\" \/><strong data-start=\"1589\" data-end=\"1605\">Legal basis:<\/strong> Credit Institutions Act.<br data-start=\"1630\" data-end=\"1633\" \/><strong data-start=\"1633\" data-end=\"1643\">Where?<\/strong><\/p>\n<ul data-start=\"1646\" data-end=\"1809\">\n<li data-start=\"1646\" data-end=\"1717\">\n<p data-start=\"1648\" data-end=\"1717\">Address: Central BNB Building, 1 Knyaz Alexander I Sq., 1000 Sofia.<\/p>\n<\/li>\n<li data-start=\"1718\" data-end=\"1809\">\n<p data-start=\"1720\" data-end=\"1809\">Online: email <a class=\"decorated-link cursor-pointer\" rel=\"noopener\" data-start=\"1734\" data-end=\"1752\">Signals@bnbank.org<\/a> \u2013 for reports under the Whistleblowing Protection Act.<\/p>\n<\/li>\n<\/ul>\n<h3 data-start=\"1811\" data-end=\"1870\">4. Ministry of Interior (MoI) and Prosecutor\u2019s Office<\/h3>\n<p data-start=\"1872\" data-end=\"2148\"><strong data-start=\"1872\" data-end=\"1881\">When?<\/strong> In cases of harassment, threats, systematic disturbance, or coercion. These may amount to crimes under the Criminal Code.<br data-start=\"2003\" data-end=\"2006\" \/><strong data-start=\"2006\" data-end=\"2014\">How?<\/strong> File a report at the MoI district police office of your permanent address or directly to the relevant District Prosecutor\u2019s Office.<\/p>\n<p data-start=\"2150\" data-end=\"2186\">Example addresses in Varna region:<\/p>\n<ul data-start=\"2187\" data-end=\"2615\">\n<li data-start=\"2187\" data-end=\"2245\">\n<p data-start=\"2189\" data-end=\"2245\">1st Police Department \u2013 30 Parizhka Komuna St., Varna.<\/p>\n<\/li>\n<li data-start=\"2246\" data-end=\"2299\">\n<p data-start=\"2248\" data-end=\"2299\">2nd Police Department \u2013 1 Bregalnitsa St., Varna.<\/p>\n<\/li>\n<li data-start=\"2300\" data-end=\"2355\">\n<p data-start=\"2302\" data-end=\"2355\">3rd Police Department \u2013 5 Jan Hunyadi Blvd., Varna.<\/p>\n<\/li>\n<li data-start=\"2356\" data-end=\"2406\">\n<p data-start=\"2358\" data-end=\"2406\">4th Police Department \u2013 63 Sredets St., Varna.<\/p>\n<\/li>\n<li data-start=\"2407\" data-end=\"2462\">\n<p data-start=\"2409\" data-end=\"2462\">5th Police Department \u2013 Golden Sands Resort, Varna.<\/p>\n<\/li>\n<li data-start=\"2463\" data-end=\"2519\">\n<p data-start=\"2465\" data-end=\"2519\">MoI Department \u2013 64A Georgi Petleshev St., Aksakovo.<\/p>\n<\/li>\n<li data-start=\"2520\" data-end=\"2564\">\n<p data-start=\"2522\" data-end=\"2564\">MoI Department \u2013 2 Basilica St., Devnya.<\/p>\n<\/li>\n<li data-start=\"2565\" data-end=\"2615\">\n<p data-start=\"2567\" data-end=\"2615\">MoI Department \u2013 1 Yuri Venelin St., Provadia.<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"2617\" data-end=\"2750\">District Prosecutor\u2019s Office \u2013 57 Vladislav Varnenchik Blvd., Varna, or online: <a class=\"decorated-link\" href=\"https:\/\/prb.bg\/rpvarna\/\" target=\"_new\" rel=\"noopener\" data-start=\"2697\" data-end=\"2747\">https:\/\/prb.bg\/rpvarna\/<\/a>.<\/p>\n<h3 data-start=\"2752\" data-end=\"2792\">5. What to Know about Arbitration?<\/h3>\n<p data-start=\"2794\" data-end=\"3070\">According to Art. 19, para. 1 of the Civil Procedure Code, an arbitration agreement is invalid when one party is a consumer. This means that a debt collector or company cannot sue you in an arbitration court if you are a consumer \u2013 such decisions are void and unenforceable.<\/p>\n<h3 data-start=\"3072\" data-end=\"3088\">Conclusion<\/h3>\n<p data-start=\"3090\" data-end=\"3183\">Protection against collectors and illegal arbitration awards goes through the institutions:<\/p>\n<ul data-start=\"3184\" data-end=\"3393\">\n<li data-start=\"3184\" data-end=\"3219\">\n<p data-start=\"3186\" data-end=\"3219\"><strong data-start=\"3186\" data-end=\"3193\">CPC<\/strong> \u2013 for unfair practices;<\/p>\n<\/li>\n<li data-start=\"3220\" data-end=\"3276\">\n<p data-start=\"3222\" data-end=\"3276\"><strong data-start=\"3222\" data-end=\"3230\">CPDP<\/strong> \u2013 for unlawful processing of personal data;<\/p>\n<\/li>\n<li data-start=\"3277\" data-end=\"3332\">\n<p data-start=\"3279\" data-end=\"3332\"><strong data-start=\"3279\" data-end=\"3286\">BNB<\/strong> \u2013 for violations by financial institutions;<\/p>\n<\/li>\n<li data-start=\"3333\" data-end=\"3393\">\n<p data-start=\"3335\" data-end=\"3393\"><strong data-start=\"3335\" data-end=\"3362\">MoI\/Prosecutor\u2019s Office<\/strong> \u2013 for threats and extortion.<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"3395\" data-end=\"3527\">If necessary, seek assistance from a lawyer specializing in consumer and contract law to receive protection tailored to your case.<\/p>\n<p><script>\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@graph\": [\n    {\n      \"@type\": \"Person\",\n      \"@id\": \"https:\/\/tomovi.org\/#person\",\n      \"name\": \"\u0410\u0434\u0432\u043e\u043a\u0430\u0442 \u041c\u0438\u0445\u0430\u0438\u043b \u0422\u043e\u043c\u043e\u0432\",\n      \"jobTitle\": \"\u0410\u0434\u0432\u043e\u043a\u0430\u0442\",\n      \"url\": \"https:\/\/tomovi.org\/\",\n      \"email\": \"law@tomovi.org\",\n      \"telephone\": \"+359888246119\",\n      \"knowsLanguage\": [\"Bulgarian\", \"English\", \"Russian\"],\n      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