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Nov
Nov
WHAT IS A CCJ
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The purpose of a County Court Claim
If you have received a CCJ the chances are that it is someone you owe money to (a ‘creditor’) can take a County Court action against you to claim the money. If you pay the amount outstanding, you can avoid a hearing or judgment. If not, there’ll be a simple court hearing in private. You can attend if you wish, or just send the information the court asks for by post.
The court doesn’t find anyone ‘guilty’ or ‘innocent’. It looks at the facts and decides whether you owe any money, and if so, how you should repay it.
After the court hearing, the court may issue an order 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, if you can’t agree, a payment set by the court.
If you have judgments from more than one creditor, the court can combine your debts and make an ‘administration order’ – saying you must make a single payment every month to be shared by all your creditors.
Category : BANKRUPTCY
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