County Court Judgements
County Court Judgements is a legal action that can be brought against you by your creditors to enable them to recover the debt that you owe.
If you set up a payment plan with your creditor through the courts and stick to it you can avoid a judgment being made against you.
Under Scottish law, claims are dealt with slightly differently, by the Sheriff Court.
The court will send you a 'claim form', showing you how much the creditor says you owe them, and the details of their claim. This form then gives you the opportunity to explain your situation to the court.
You will usually receive an admission form with the claim form asking you for details of your income and current outgoings. On this form you can offer to pay back the debt in affordable weekly or monthly payments.
If you don't make an offer on the form, or you make an offer that the creditor and court do not agree with, then the court may order you to either:
- pay the full amount in one lump sum
- pay the debt back in set monthly payments
This form will normally need to be sent back within 16 days and it is imperative that you return it within that time frame or an order will be made without your information. The order could mean that you need to pay the whole debt back immediately. This is called a ‘forthwith’ judgment.
When dealing with the paper work you will need to tell the truth and explain your situation in as much detail as you can so that the judge can make a fair decision.
If you do not pay back the debt as agreed with the court it can result in the county court judgement being enforced which could mean bailiffs visiting your home to remove your property or many phone calls and letters that will eventually lead to you feeling frustrated and stressed which could lead to illness.
Here at Confused Debt we pre-vet and pre-approve all companies that are listed and we also offer a completely free debt calculator which will only take around 60 seconds for you to fill in.
Dealing with your creditors is something that these companies do everyday and although there is a fee involved will give you great peace of mind and allow you to enjoy life again.
