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1. What should I do if a debt collector is harassing me with phone calls?<\/strong> 2. Can a debt collector sue me in an arbitration court?<\/strong> 3. How can I check if there is an enforcement case against me?<\/strong> 4. When is a debt extinguished by limitation (statute of limitations)?<\/strong> 5. Can the actions of a bailiff be appealed?<\/strong> 6. Can debt collectors freeze my bank accounts?<\/strong> 7. Which incomes are exempt from seizure?<\/strong> 8. What should I do if a collector processes my personal data without consent?<\/strong> 9. What does \u201cnatural obligation\u201d mean when the limitation period has expired?<\/strong> 10. Do I need a lawyer in a dispute with a collector?<\/strong>
You can file a complaint with the Consumer Protection Commission (CPC) and report to the police\/prosecutor\u2019s office if the calls contain threats or extortion.<\/p>\n
No. According to Art. 19, para. 1 of the Civil Procedure Code (CPC), arbitration is not allowed when one of the parties is a consumer. Arbitration awards against consumers are null and void.<\/p>\n
By requesting information from a bailiff or through the Unified Information System of Bailiffs (EISPP). Since 01.05.2023, the fee for such a check is BGN 24 (incl. VAT).<\/p>\n
The general limitation period is 5 years (Art. 110 of the Obligations and Contracts Act), and 3 years for rent, interest, and periodic payments (Art. 111). The court applies limitation only if the debtor expressly raises it.<\/p>\n
Yes. Under Art. 435 CPC, the debtor may appeal actions such as seizure, inventory, attachment, or refusal to lift a measure within one week before the regional (district) court.<\/p>\n
Not directly. Only a bailiff can impose a freeze based on an enforceable writ of execution. Collectors themselves have no such powers.<\/p>\n
According to Art. 444 CPC \u2013 social benefits, disability pensions, child allowances, alimony, and part of wages are non-attachable.<\/p>\n
You can file a complaint with the Commission for Personal Data Protection (CPDP) \u2013 Sofia, Prof. Tsvetan Lazarov Blvd. 2, or online at cpdp.bg<\/a>.<\/p>\n
After the limitation period expires, the debt remains a moral obligation but cannot be enforced through court. If you still pay voluntarily, the amount cannot be reclaimed.<\/p>\n
It is highly recommended. Deadlines for appeals are short, and a lawyer specializing in enforcement proceedings can protect your rights and save you money.<\/p>\n