• Debt Problems and Resolving Them
• Debt Consolidation Companies and How They Will Help.
• Clear Debts With The Help of Confused Debt
• More Help With Debts
• Debt Problems and How They Affect People
• Debt Companies
• Free Debt Help
• Money Saving Tips
• Cutting Back on Expenses
• Hire Purchase Debt
• Catalogue Debt
• Store Card Debt
• Credit Card Debt
• Enforcing CCJs
• Fair debt collection practices act
• County Court Judgements
• Debt Priorities
• Attachment of earnings orders
• What makes a credit agreement legal
• Help With Debts
• Mortgage Arrears
• Confused About Debt Management?
• Confused by Debt Management Websites?
• Debt Management Companies vs Individual Debt Management

Enforcing CCJs

When a CCJ (County court judgment) is made against you, you could be paying back in instalments or you may be asked to pay in full the outstanding amount that you owe. If you do not keep up with the re-payments or even fail to pay, the creditor can then take you back to court to enforce the CCJ.

When you are not paying your instalments and the debtor takes you back to court it will mean that your debt will increase even further due to the legal and administration fees involved so it is best to set it up correctly in the first place meaning that costs will not spiral anymore out of your control than what they already are.

A court can use a number of methods to ensure that you pay the debt that you owe. These include –

1. Taking money directly from your wage through something called an attachment of earnings order. Your employer will be forced by law to deduct some money from your wages and pay it to the company that you owe it to.
2. Selling your house and taking the money through a charging order.
3. Freezing money held in, say, a bank account so it can be used to pay what is owed is called a third party debt order.
4. A court may allow a warrant of execution which will result in bailiffs attempting to seize your goods to sell them on to clear your debt.
5. You may also receive an ‘order to obtain information’. This is an interview to discover information about your financial situation which is a part of the judgment enforcement process.

Although it is not all bad news at this stage because if you feel that you cannot afford the repayments you can ask the court to take it into consideration and on many occasions this will result in payments being reduced to more affordable amounts for you.

Our best bit of advice is to make sure that you stick to any terms that have been set out in the original CCJ if you can.

CCJ’s cause a lot of stress for many people but when you understand how it all works it can alleviate your problems. Dealing with a professional company in this situation is of paramount importance and here at Confused Debt we pre-vet and approve every company so why not try filling out our free 60 second form and one of them will get back to you as soon as they can.