CCJ Help & Advice

If you are in debt, there are various techniques the court can use to force you to pay back what you owe. One of these techniques is a County Court Judgement (CCJ). If you’ve received a county court claim form, don’t panic. We can help you.

  • We help stop the courts/creditors taking further action against you.

  • We will help you deal with your CCJ

  • We will negotiate with creditors on your behalf.

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EXCELLENT Based on 247 reviews.
Mrs M
2021-06-14
Emma was amazing. From starting to get help for my debts. Emma was amazing very helpful. didn't judge me at all. helped me with any questions or queries I have had. thankyou for all your help.
Ellie.
2021-06-11
Wonderful service! If you are fortunate enough to deal with Keith you are in good hands! Wonderful guy and explains everything step by step and makes sure you’re fully understanding and on board. A huge weight lifted and all I had to do was send over my most recent statements. He did the rest.
Adrian
2021-06-11
Excellent What can I say, From the time I picked the phone up and rang the number, I felt at ease. The team help me. We talked all about my debts and my worries about money. Keith Help me from the start. What a top guy he is. I'm now on top of everything. I cant thanked them enough. They put a smile on my face.
Trevor
2021-06-04
Very helpful
Edward
2021-06-02
What can i say,Allison & the team at refesh have been fantastic from day one,they dealt with creditors & agreed a manageble monthly payment.which is paid to creditors every month.we wish you well for the future guys.. Thankyou so much..Edward J...
Stefan Vasilev
2021-06-01
Great service very helpful information and advice many thanks!!
Jade Nadia
2021-06-01
Great customer service and advice Keith was fantastic, although I didn’t have much debt his advice was great and I would recommend using this company if you are struggling. Also left me contact details in case I had other questions about finance. Thank you so much Keith! 🙂
anonymous
2021-05-26
A walking angel for those in debt, Keith walks you through each stages with ease and compassion, . My repayments are now significantly reduced all by one simple telephone conversation. Please do not hesitate to contact them and be able to breathe again.
Owen Dykes
2021-05-20
Breaking a circle and lifting a weight There was a time I use to be scared of the mail coming through the door, worried about phone calls and knocks at the door, the added stress of carrying a big weight with me, every month worried on how I was going to pay for everything. I was stuck in a vicious circle of not been able to pay for my debts and missed payment charges just piling up, got to a point of either live or make a payment. I was stuck in a vicious circle of my own doing that was out of control and causing me undue worry and stress. Once I made contact with refresh debt that circle was broke and that weight lifted, their customer service is relaxed and makes you feel you are a person and not just another number on a spreadsheet some were, regular contact from someone who understands your situation and know how to help dealing with it, they are not interested in the past or how you got there but more interested in the future and to get rid of that big weight and stress. Would definitely recommend them to everyone.
Jen tudor
2021-05-20
Non-judgemental, helpful service.

3 Simple Steps


If you receive a County Court claim form you should seek advice as soon as possible.
Failing to repay your outstanding debts can lead to attachment of earnings or even bailiff action to recover the debt owed. Our team of experienced advisers take a caring and non-judgemental approach to helping you.
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    We Listen

    Our friendly team gather the facts to find a solution that’s right for you.

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    We Advise

    We provide straightforward expert debt advice you can trust.

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    You Decide

    Make an informed decision based on all the facts with a solution that’s right for you.

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About Us

How We Can Help!
  • We have over 15 years’ experience. We appreciate no two clients are the same, that’s why we’re committed to offering tailored advice to support each individual’s particular set of circumstances.
  • Our aim is to help you regain control of your finances by providing advice, support, and a debt solution that allows you to repay your debts at a rate you can afford.
  • Our team are experienced, trustworthy, and most importantly, approachable.
  • So far, we have helped our clients repay over £21 million of debts. Something we are very proud of.

Please Note, entering into a debt solution can affect your credit rating for at least 72 months, fees may be payable if ongoing services are provided. The total amount payable may be higher.

CCJ FAQ's

How does a CCJ affect me?

A CCJ will show on your credit file for six years, and will likely affect your ability to take out further credit, as lenders will be able to see that you have a CCJ.

Because of this, having a CCJ on your credit file makes it harder to take out further credit. However the most important thing is that you get free debt advice to manage your payments. Once you’re back in control, you can take steps to repair your credit file.

Your CCJ will also be added to a database called the Register of Judgments, Orders and Fines within a month. This will be removed after six years. The register is operated by a company called Registry Trust, and courts send them details of all new CCJs.

Received a letter of claim?

Before a creditor can proceed with a county court claim, they must send you a ‘letter of claim’ in the post, providing details of the debt.

If you receive a letter of claim, don’t panic. You have 30 days to respond with the reply form provided. However, it’s important to reply to the letter of claim within the timeframe given, as a creditor can begin court action if you don’t.

Use the reply form to:

  • Respond to the creditor
  • Fill in the enclosed financial statement (if you agree you owe the debt) to make an offer of payment if you can’t afford to pay the debt in full
  • Let the creditor know you’re seeking debt advice
  • Request more information from the creditor about the debt, if you need it

If you and your creditor can agree a repayment arrangement from your response, court action can be avoided.

Can I get help and advice with a CCJ?

If you’ve received a CCJ and you’re not sure what to do, we can help. We can offer expert advice on the County Court claims process and how to deal with a CCJ.

We can also recommend solutions to help you manage your debt problems and give you clear, practical advice about how to deal with your debts.

Debt Advice Experts

Our team of specialist debt advisers are here to offer confidential help & advice to anyone struggling with multiple debts.

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Debts We Can Help With

There are many different types of debt you can have, some are more important than others and it’s important to know which of your debts need priority payment.
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county court judgments

County Court Judgments explained

If you are in debt, there are various techniques the court can use to force you to pay back what you owe. One of these techniques is a County Court Judgment (CCJ).

Read more

Debt Solutions

There are a number of debt solutions available. Further information on each can be found in the links below.  Please be aware each solution has advantages and disadvantages. 
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Debt Management Plan

A DMP is an informal flexible agreement between you and your creditors to repay all your debts. You make regular payments to a licensed debt management company.
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IVA

A legally binding solution to managing your money and paying off multiple debts. It is a formal repayment arrangement between you and your creditors.
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Bankruptcy

If you’re unable to repay any outstanding debt in England, Wales, or Northern Ireland, Bankruptcy is one of a number of wider financial solutions available to you.
See All Debt Solutions

We Negotiate With Your Creditors

We negotiate with some of the biggest creditors in the UK to lower your monthly payments to an affordable amount.
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