In this section, you will find options for deferred repayment or discounts for full repayment of your debt offered by lenders during debt recovery campaigns.

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National Phone Nr. 0700 200 27 / without extra charges /

Friendly Asked Questions - Debtors

We are a commercial company registered in the business register of the Republic of Bulgaria. As a personal data controller, the company follows the regulations of The General Regulation on the protection of personal data 679/2016 ("GDPR") and the Personal data protection Act and is subject to regulation by the Commission for personal data protection, which guarantees the comfort and security of our partners and clients when they entrust us the processing of personal data. You can verify the legitimacy of the company by contacting your creditor, who will certify that they have signed a contract with us.

There may be several cases in which we contact you: - A contract between us and your creditor for the servicing of arrears; - A contract between us and a company that has acquired your receivables from your creditor; - We have acquired your receivables on the basis of a contract with your creditor.

Agency for Control of Outstanding Debts is authorized to send you an invitation, which contains information about your obligation on the basis of a contract signed by you and your creditor. In the event of a misunderstanding, if your debt has already been paid, or the person no longer lives at the address specified in the invitation, please contact us at +359 2 444 10 10 and tell us about the case, so we can avoid future misunderstandings.

When you sign a contract with a company, you agree that you can be contacted by the company or its representative in case of late payment. On the basis of a contract between us and the company, we act as its representative. Conversations conducted by our collectors are always in the spirit of good manners and their sole purpose is to understand the reason for nonpayment of obligations and help you stabilize your finances.

Your best response would be to contact us at +359 2 444 10 10, or email us at We will then inform you about your obligation and give you options for its repayment. Creditors often provide opportunities for deferred payment or temporary reduction of your installments on a debt. If you do not contact us, you will not be able to make use of these opportunities and your obligation will be moved on to the judicial phase where costs increase exponentially.

Agency for Control of Outstanding Debts implements the best practices for debt recovery and strives to maintain its good image in society. Our practice does not entail constant messages and reminders. Once we have contacted you, or you have called us or written us an email, and we have informed you about your debt, we have taken the first step towards settling your relationship with the creditor. If you stop honoring the agreement reached previously, or do not make the promised payments, Agency for Control of Outstanding Debts will notify you of the initiation of legal action against you and this will be our last contact with you.

Before any legal action is taken against you, you will already have been registered in the Central Credit Register at the Bulgarian National Bank. This means that you will not be able to use any credit in the future, or purchase goods with deferred payment, etc. until you pay back your obligations. When your creditor initiates legal action, it means that they have compelling evidence of their claim and in most cases they will win the case. This will result in an exponential increase in your debt. Once the case has been concluded, it will be submitted to a bailiff who can seize your wage, bank accounts, property, as well as, in extreme cases, resort to their sale at a public auction. Our goal is that you should avoid these legal consequences and settle your obligations voluntarily.


  • Sofia, ul. "Panayot Volov" 29, et. 3
  • Plovdiv, ul. "Coko Kableshkov" 19, et. 2, Office 2A
  • Varna, bul. "Vladislav Varnenchik" 55, et. 4, Office 3
  • Romania, Bucharest, sector 5, Boulevard Tudor Vladimirescu 22, The Green Gate office building, office 526, register 02, fl. 5
  • +359 2 444 10 10
  • +359 2 554 41 90
  • info [at]