County Court Judgements
A CCJ is a judgment that a county court issues when someone has failed to pay money that they owe.
- The Court will decide whether there really is a debt to pay. If there is, they will issue a CCJ. This will set out how the debt should be repaid.
- When someone takes a County Court action against you, you'll be sent a CCJ Claim Form. This court form will explain how much the creditor says you owe them.
- You're also sent an Admission Form. Don't ignore this form - send it back within 14 days. If you're late, the CCJ may be issued anyway in a default judgment.
- This form is your chance to put your side of the story before the CCJ is decided on.
The Portland Centre's expert Debt Specialists can help you if a Creditor is awarded a CCJ against you by:
- Giving you free advice
- Giving you expert, trusted and ethical advice
- Help you by explaining the process to you
- We will help answer the questions on the forms
- Assist you in making the best case to put before the Judge
- Accompanying you to any court hearings
When you get a CCJ against you, there are five options open to you. The Portland Centre experts will help you cope with finding a workable and acceptable solution.
We will explain the options to you, which are:
- Payment in full
- Ask to pay later or in installments
- Dispute the amount owed
- Dispute the claim
- Claim against the creditor
It is important to know that:
- If you make a claim against the Creditor, they can request a default judgment
- You won't get to put your case (or explain your financial circumstances)
- The CCJ may order you to pay the money in full at once
If you are worried about CCJ's – we have a clear fact sheet which we will be happy to give you.
It is our pledge that you will come into the Portland Centre feeling terrible, but even after your first contact you will feel so much better because you have taken the first step to ending the misery and eventually becoming completely debt free.
If you need help coping with your debts or just money in general, just call us on 01305 824333 or email us using our contact form or pop in to see a Portland Centre Staff member, to receive immediate assistance.