A County Court Judgement (CCJ) is a legal ruling issued by a county court against an individual or company who has failed to repay a debt. This judgement is obtained by the creditor when all other attempts at recovering the debt have been unsuccessful.court claim
It is a serious legal consequence that can affect an individual’s credit rating and ability to obtain credit in the future. The county court will consider all evidence presented by both parties before deciding, and if the ruling is in Favor of the creditor, the debtor will be ordered to repay the debt in full or in instalments.small claims court
Failure to comply with the judgement can result in further legal action, such as bailiffs seizing assets or an attachment of earnings order.
However, if the debtor can repay the debt in full within one month of the judgement being issued, the CCJ will be removed from their credit record. ccj payment
It is important for individuals to take CCJs seriously and seek legal advice if they are unable to pay their debts to avoid this consequence.
https://corporatedebtrecovery.co.uk/county-court-judgment-ccj/