Debt Collection Lawyers
One of the most received question is for legal support from debt collecion lawyers
Businesses and individuals with unpaid invoices, loans, leases, transport (CMR) claims, construction and supply disputes, and cross-border receivables owed in or from Bulgaria.
What you get
- Fast pre-legal recovery with compliant demand letters, interest and fixed compensation.
- Correct choice of procedural track: Order for Payment (Art. 410 CPC), Immediate Enforcement (Art. 417 CPC), or ordinary claim.
- Enforcement through private or state enforcement agents; targeted attachments and sales.
- Cross-border tools: Brussels I bis, Service Regulation 2020/1784, European Order for Payment, European Small Claims, European Account Preservation Order.
The Bulgarian Debt Recovery Pathway
Pre-legal collection
- Formal notice with legal basis, claim breakdown, and statutory late-payment additions: default interest and a fixed €40 recovery fee for B2B transactions.
- Credit and asset checks, settlement proposals, and evidence preservation.
Order for Payment — Art. 410 CPC
- Simplified court route for monetary claims when no enforceable document exists.
- From 1 July 2025: the debtor has one month to object; objection can be filed on paper in any regional court or electronically via the Bulgarian e-Justice portal.
- If an objection is lodged, you may continue with an ordinary claim; new rules streamline transfer and credit the already paid fee.
Immediate Enforcement — Art. 417 CPC
Fast track with immediate writ of execution based on specific documents (e.g., notarised agreements, bills of exchange, bank documents, mortgages). Enforcement proceeds even if the debtor objects, with limited exceptions.
Ordinary claim
Full merits trial when the debt is contested or complex. Jurisdiction, service, and recognition follow Brussels I bis in cross-border cases.
Enforcement Letter
Measures:
- bank garnishments,
- seizure of receivables,
- movables and vehicles,
- real-estate attachment and sale,
- third-party debtor notices, periodic discovery of assets.
Exempt income and assets are protected by CPC rules (e.g., Art. 446a).
Who executes: private or state enforcement agents. Private agents serve process themselves which speeds cases; their acts are judicially reviewable.
Appeals: against writ-of-execution orders within two weeks (Art. 407 CPC). Appeals against enforcement actions within one week (Art. 436 CPC).
Cross-Border Recovery (EU)
- Brussels I bis (1215/2012): jurisdiction + direct enforcement without exequatur.
- Service of Documents 2020/1784: in force 1 July 2022, modernised EU service and new standard forms.
- European Order for Payment (Reg. 1896/2006): uniform, form-based recovery for uncontested cross-border claims; 30-day opposition window.
- European Small Claims (Reg. 861/2007, as amended): simplified written procedure up to €5,000.
- European Account Preservation Order (Reg. 655/2014): cross-border bank-account freeze supporting later enforcement.
Debtor Defences we anticipate
- Timely objection under Art. 414 CPC; specific 2025 forms and e-filing
- Objections to enforcement steps, valuation, distribution; one-week complaint term
- Jurisdiction, service, or consumer-contract protections under EU law.
Documents we need from you
Invoices, delivery/CMR notes, acceptance protocols, contracts and amendments, order confirmations, correspondence, credit notes, payment history, security documents (mortgage, pledge), and notarised instruments if any.
Timelines and fees at a glance
- Objection to 410 order: 1 month from service; paper or e-filing.
- Appeal of writ of execution: 2 weeks. Appeal of bailiff action: 1 -2 weeks.
- Late-payment additions: default interest + €40 fixed recovery fee in B2B cases.
Debt collection in Bulgaria mainly refers to the process of collecting due payments from debtors and defaulting payers. The debt collection process is divided in a few steps which can be out-of-court, pre-litigation or litigation. If the debtor does not want to cooperate you need to involve the lawyer.
Contacting the specialist in debt collection law and start the legal procedure for collection your debts, if all previous negotations are over.
Hiring a debt collection agency in Bulgaria is not the best solution. In a case of unpaid invoices you just need to contact our native in-house lawyers with inquiry for collection your in Bulgarian,.
It is difficuilt to say how much, if your negotatins stage is over. You need to file a legal claim against the debtor in Bulgaria and start the court process against him in the country. This will takes several monts about.
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