County Court Judgement (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).

  • 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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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.

Get CCJ Help & Advice

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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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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