CCJ

What is a County Court Judgement?

If you have defaulted on a debt, a creditor or claimant has the right to submit a claim through the County Courts to recover the money that you owe. The legal process will usually commence with a County Court Claim Form, or Summons, which will be issued by the Court - this will show the amount of money owed to the creditor or claimant.

If you receive a letter informing you that someone is making a County Court Claim, stating that you owe them money, don't panic. The Court will decide whether you have to pay the debt and how you should repay.

You only have 14 days to reply to the County Courts. It is very important that you respond quickly. You will have to complete an Income and Expenditure Form and make an offer of payment. If you do not respond to the claim within the 14 days, or you ignore the claim, this can allow the creditor or claimant to request a Judgement by default, which could mean you have to pay the outstanding debt in full, plus costs. In some cases we can get an extension of 14 days for existing clients by filling in a form on their behalf online.

However, if you are an existing client of Debt Support Service, we will take care of all the forms for you. It normally is never too late to sort something out with debts that have gone to court. Additionally we also have access to forms here which allow us to apply for a suspension on the order whilst everything is resolved.

After the court hearing, the court may issue an order or county court judgement saying you must repay the debt - this order is called a CCJ and will either be for the amount agreed between you and your creditor, or a payment set by the court.

Because Debt Support Service offer a range of debt solutions and debt advice it doesn't matter if you do have companies threatening you with CCJs as more often than not, it can be fixed.

Call us free on 0800 008 7969 to speak with one of our expert advisors about your debts and the options that may be available to you.

Alternatively, complete the online enquiry form and one of our advisors will call you back.