“I am looking for a lawyer for a case against a loan company. I can’t take it anymore. Yesterday they called me ten times, I can’t sleep, I can’t study… I have paid them everything, what more do they want?” This is how many people with quick loans talk. In many cases it turns out that they do not owe what the companies are demanding and threatening them with. I have extensive practice in this area and have written a lot about it. Each of my articles is based on a real case and a real person’s story. As loan lawyers in Plovdiv and Sofia, we defend borrowers with quick loans and bank loans – both against the lenders and against the debt collection companies. More on the topic in Quick loans – protection by a lawyer (in Bulgarian).
Why do you often owe less than they are asking for?
Quick loan contracts very often contain unfair terms. They are full of hidden fees, penalties and paid guarantee services that people never asked for. When the contract contains such terms and the costs of the loan are not stated correctly in the APR, the contract is void. The borrower then repays only the amount received – without interest and fees. See Guarantee fees on quick loans are part of the APR and Quick loan – another company loses in court (in Bulgarian).
If you have already overpaid, the excess can be claimed back through the court.
Debt collectors – what they can and cannot do
A debt collection company can collect the debt if the quick loan company has sold it to them. It cannot demand more than was owed to the original lender. It also has no right to harass you or to share information about your debt with your relatives and colleagues. In that case you can also file a complaint with the Commission for Consumer Protection. More in Can I sue a debt collection company? (in Bulgarian).
How a loan lawyer in Plovdiv can help you
- We check the contract – the interest, the APR, the fees and the penalties.
- We defend you in the case that the lender or the debt collector has filed against you.
- We claim back the amounts you have overpaid.
- If there is a garnishment or enforcement case, we act together with you before the private bailiff – see Lawyer for enforcement cases and bailiffs.
The bank is suing me. How do I defend myself?
First – do not miss the deadlines. Against an enforcement order you have two weeks to file an objection, and against a statement of claim you have one month to respond. After that, we check the contract: whether the bank changed the interest rate unilaterally, whether the fees are lawful and whether part of the debt is time-barred.
You can check which loans are registered in your name in the Central Credit Register of the Bulgarian National Bank.
A new Consumer Credit Act is also being prepared, which will change the rules on interest and penalties. I explain what it provides for in New law on quick loans 2026 (in Bulgarian).
Questions to a loan lawyer in Plovdiv
Debt collectors are calling me about an old quick loan. Do I have to pay?
Not before you have spoken to a lawyer.
Has the limitation period on my old quick loan expired?
It is possible. The general period is five years, and for interest it is three. However, court cases and actions by the bailiff interrupt the limitation period, and it starts running again from the beginning. The court does not apply the limitation period on its own – you have to invoke it. That is why we need to check when the last action on the debt was taken.
I borrowed 1,000 leva and now they want 3,000. Is that legal?
Often it is not. If the contract includes hidden fees, penalties or a paid guarantee that are not correctly included in the APR, the contract may be void. You then repay only the amount you received – without interest, fees and penalties.
Do I owe a penalty because I did not provide a guarantor or a bank guarantee?
Most often not. Such a penalty is usually a way to get around the statutory cap on the costs of the loan, and the courts treat it as void. If you have already paid it, it can be claimed back.
Can I get back what I overpaid on a quick loan?
Yes. Amounts paid above what was owed can be claimed through the court.
Debt collectors are calling my mother and my workplace. Are they allowed to?
A debt collector must not harass you or tell your relatives, colleagues and employer about your debt. Do not panic and do not make any commitments over the phone. Keep the messages and the call recordings – they are evidence.
If you have a quick loan contract, court papers or letters from a debt collector, bring them. As a loan lawyer in Plovdiv, I often see how much you really owe at the first review.
Related articles (in Bulgarian)
- Quick loans – protection by a lawyer
- New law on quick loans 2026. What happens to interest and penalties?
- Quick loans 2026: The end of hidden fees?
- Guarantee fees on quick loans are part of the APR
- Quick loan – another company loses in court
- Quick loan – borrowers get back huge and unlawful amounts
- Can I sue a debt collection company?
- Removing a loan from the Central Credit Register
More articles (in Bulgarian) in my blog or on the News page at www.advokatdimitrov.com.
I am Rosen Dimitrov, Attorney-at-Law – member of the Plovdiv Bar Association and PhD candidate in civil and family law at the Institute for the State and Law of the Bulgarian Academy of Sciences. Together with my team, I handle cases in Plovdiv, Sofia and throughout the country.
Call or write to me, tell me briefly about your case and we will assess how to proceed. We can meet at the office in Plovdiv or Sofia, or online if needed.
Plovdiv, 2 Nikola Voyvodov Str., floor 1 · Sofia, 66 Vitosha Blvd., floor 4