✓ FREE PUBLIC INFORMATION WEBSITE
📋 County Court Judgment Help & Guidance
Free independent information about County Court Judgments in England and Wales. Understand what a CCJ means, how it affects you, and what options may be available.
What is a County Court Judgment?
A CCJ is a formal court order with serious implications for your finances and credit history. Here's what you need to know:
Legal Court Order
A CCJ is a court order issued when a creditor takes legal action against you for unpaid debt.
Public Record
It is registered on the public Register of Judgments and visible to creditors and lenders.
6-Year Impact
A CCJ can remain on your credit file for up to 6 years from the date of judgment.
Confirms Owed Debt
A CCJ confirms that money is legally owed and establishes how much must be paid.
Early Removal Possible
Paying in full within one month may remove it from the Register entirely.
Marked as Satisfied
If paid after one month, it will be marked as 'satisfied' but still visible on your credit file.
📘 How Does a County Court Judgment Happen?
Understanding the process helps you take action before it's too late.
📬 Creditor Issues Claim Form
A creditor or debt collector files a claim against you at the county court for unpaid debt.
⏱️ You Must Respond Within Deadline
You have a set period (usually 14 days) to respond to the claim. This is your opportunity to dispute it.
⚖️ Court Issues Judgment
If you do not respond or your defence fails, the court may issue a judgment in the creditor's favour.
💳 Payment Terms Set
The court sets the amount owed and establishes how and when the debt must be paid.
⚠️ Important: If you receive a court claim, do not ignore it! Responding within the deadline is your best chance to defend yourself or negotiate a solution.
😟 What Happens After a County Court Judgment?
A CCJ can have serious consequences, but don't lose hope—there are ways to address it.
📉 Impact on Credit Score
A CCJ will significantly damage your credit score, making it much harder to obtain credit in the future. Lenders will see the judgment and may refuse your application or offer unfavourable terms.
🚨 Enforcement Action
Creditors may pursue enforcement action including bailiff visits, attachment of earnings from your salary, or charging orders against your property if the judgment is not paid.
📋 Public Register Listing
Your CCJ appears on the public Register of Judgments. This is accessible to anyone and may be visible to employers, landlords, and other potential creditors.
🏠 Mortgage & Loan Difficulties
A CCJ will make it very difficult to obtain a mortgage or personal loan. Even if approved, you will face higher interest rates and stricter terms.
💙 Important: This information is provided for understanding purposes. A CCJ is a serious matter, but there are options available to address it and improve your situation. Don't delay—seek help today.
✨ What Are Your Options?
✅ If You Agree With The Debt
- 💰Pay in full within one month - This may remove the judgment from the Register entirely.
- 📅Request a payment arrangement - Apply to pay the debt in affordable instalments over time.
- ⚖️Apply for a variation - Ask the court to change the payment terms if your circumstances have changed.
⚖️ If You Disagree With The Debt
- 🛡️Apply to set aside the judgment - You can ask the court to cancel the judgment if you have a valid reason.
- 🆘Seek independent advice immediately - Contact a free debt adviser or solicitor to review your case.
🚀 The sooner you act, the more options you have available.
Contact a debt advisor today—help is free and confidential.
🤝 Free Help & Support
If you're dealing with a CCJ, you're not alone. These organisations provide free, independent advice:
👇 Click to explore or call directly—help is available now
💚 StepChange
Free UK debt advice and support with a 24-hour debt helpline. Expert advisers can help you create a debt solution plan.
📞 Phone: 0800 138 1111
Monday-Friday 8am-8pm, Saturday 8am-4pm
💙 National Debtline
Free debt helpline with expert advisers who specialise in complex debt situations and court proceedings.
📞 Phone: 0808 808 4000
Monday-Friday 8am-8pm, Saturday 8am-4pm
🟠 Citizens Advice
Comprehensive advice on CCJs, your rights, enforcement action, and how to handle creditors professionally.
🌐 Website: Find your local office
Phone support varies by location
🏛️ GOV.UK CCJ Guide
Official government information about County Court Judgments, court procedures, your legal rights, and how to respond.
✓ Official Source
Comprehensive legal information & guidance
✅ All these services are FREE and CONFIDENTIAL
No matter your situation, there's professional help available. These organisations are regulated, independent, and exist to help people like you. Don't suffer in silence—reach out today.