How to Check a Property for Debts & Legal Issues

How to Check a Property for Debts & Legal Issues

How to check a property for debts & legal issues. Learn how to verify ownership, outstanding loans, and legal status before purchasing real estate in Bulgaria.

Before buying property in Bulgaria, it’s essential to confirm the legal standing of the property. Many UK buyers assume everything is clean—but unpaid debts, unresolved inheritance, or poor documentation can lead to major risks. Here’s how to perform legal checks with confidence.

1. Confirm Ownership in the Property Register

✅ Use the Bulgarian Property Register to confirm who legally owns the property.
✅ Check for co-owners, inheritance claims, or court disputes.
✅ Ask your lawyer to request an official extract showing the title and legal status.

🔗 Bulgarian Property Register

2. Check for Outstanding Debts, Loans & Encumbrances

✅ Confirm there are no mortgages, unpaid utility bills, or tax obligations attached to the property.
✅ Look out for registered liens that could remain even after you buy.
✅ Your lawyer should check this through the Registry Agency and with the local municipality.

3. Verify Building & Land Documentation

✅ Ask for the building permit, certificate of use (Act 16), and land use designation.
✅ If the building is illegal or not fully approved, you may face fines or demolition.
✅ Make sure the property is registered both as land and a building (if applicable).

4. Investigate Zoning & Future Development Risks

✅ Check whether the land is zoned for residential, commercial, or agricultural use.
✅ Ask the municipality for urban planning or infrastructure projects nearby.
✅ Avoid surprises like a new highway or industrial development next door.

For guidance on how to view and evaluate a property properly, see Property Viewing Checklist for UK Buyers.

5. Hire a Trusted Lawyer to Perform Due Diligence

✅ The best way to protect yourself is to hire a local lawyer working for you, not the seller.
✅ We at Move2BG can connect you with vetted legal experts.
✅ With Power of Attorney, your lawyer can check everything on your behalf—even remotely.

Need help choosing legal support? Read How to Hire an English-Speaking Lawyer in Bulgaria.

Conclusion: Don’t Risk It—Check Before You Buy

Doing legal checks is not optional—it’s your first layer of protection. A proper review of title, debts, and documentation can save you thousands in future costs or lawsuits.

For more on handling your purchase safely, see How to Buy Property in Bulgaria Step-by-Step Guide.