What is a CCJ?

  • County Court Judgments (CCJs) are not to be taken lightly.
  • Any County Court Judgment against you will be recorded on the Register of County Court Judgments for six years.
  • This register is used by banks, building societies and loan companies to help them decide whether or not to give you a mortgage, loan or other credit.
  • Being served a County Court Judgment can be a worrying experience and you may not know who to turn to for help.

Our partners' highly trained advisors will help you find your best way out of debt and then discuss your options (all in complete confidence). So it's good to know that getting debt and CCJ help can be easier than you think.

What should I do if I receive a County Court Judgment?

  • Check the amount you owe is correct.
  • If you are in a position to pay the full amount, then do so within one month of receiving the CCJ.
  • If you cannot afford to pay the full amount, the CCJ will be filed with the Register of County Court Judgments and credit reference agencies. It will also be noted on your credit file.
  • A CCJ on your credit file can make it difficult for you to obtain credit in the future.
  • The CCJ will remain on your credit file for six years, whether or not the outstanding debt has been paid in full. However, potential lenders will be able to see you've paid the debt if the amount is paid in full.

CCJ debt solution

Help with Debt Consolidation's partners can provide debt help and debt advice.

For more information regarding CCJs, call us now on 0808 163 9579 to speak to an advisor or complete the form below.

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Call us on our freephone number 0808 163 9579

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