an article image what happens if i ginore a ccj

What Happens If I Ignore a CCJ? Find Out the Consequences!

Every year, thousands of people in the UK receive a County Court Judgment (CCJ). A CCJ is a type of court order that might be issued against you if you fail to repay your debt. While it can feel intimidating to deal with, ignoring it can lead to more serious consequences. This article answers the question “What Happens If I Ignore a CCJ?”

In this guide, we’ll delve into the details of CCJs, the repercussions of ignoring one, and how our team at Become Debt Free can provide the expert advice you need to navigate this situation.

If you’re currently dealing with a CCJ or are concerned about the possibility, don’t hesitate to get in touch with us at Become Debt Free. As licensed insolvency practitioners based in Leeds, we offer comprehensive advice and solutions for individuals across the nation. We’re here to guide you every step of the way, from understanding the complexities of a CCJ to exploring solutions such as Individual Voluntary Arrangements (IVAs). Reach out to us today at 0800 169 1536 or leave an enquiry on our website.

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Understanding County Court Judgment (CCJ)

What is a County Court Judgment (CCJ)?

A County Court Judgment, or CCJ, is a type of court order in England and Wales that a creditor may apply for if you owe money and fail to repay it. Essentially, a CCJ is a formal recognition by the court that you owe a particular amount to a specific creditor.

The judgement can be issued for numerous types of debt, including credit card debt, utility bill arrears, or even unpaid fines. A CCJ will set out the terms of repayment, dictating how much money you must repay, at what frequency, and by what deadline.

Why are CCJs issued?

CCJs are generally issued after a creditor has made multiple attempts to recover the money they are owed. Initially, the creditor will likely send a default notice, outlining the terms of the debt and requesting payment. If you fail to respond to this notice or cannot agree on a payment plan with the creditor, they may decide to take court action.

Before a CCJ can be issued, however, the creditor must send you a ‘claim form’ outlining the details of the debt. The claim form will also include a ‘response pack’, providing options on how you can respond. It’s essential to act on this quickly, as you generally have 14 calendar days from receiving the claim form to respond.

If you don’t respond or fail to pay within this period, the court may issue a CCJ against you. The judgement will then be recorded on the Register of Judgments, Orders, and Fines, where it can remain for six years and severely impact your credit score.

Navigating the CCJ process can be complicated, but remember, support is available. Become Debt Free can provide professional advice and help you understand your options in a friendly manner. Reach out to us on 0800 169 1536 or via our website.

The CCJ Process

The CCJ process can seem daunting, but understanding the steps can provide clarity and help you to respond effectively. Here’s a step-by-step breakdown of the CCJ process:

Step 1: Default Notice

If you have missed payments, your creditor may send you a default notice. This notice indicates you’re in breach of your credit agreement, and you usually have 14 days to pay the amount owed to avoid further action.

Step 2: Claim Form

If the debt remains unpaid, the creditor may decide to apply to the County Court. The court will send you a claim form, which outlines how much you owe and to whom. The claim form also includes a response pack, which gives you options on how to respond.

Step 3: Response

Upon receiving the claim form, you generally have 14 calendar days to respond. You can either admit you owe the debt and propose a repayment plan, dispute the claim, or do nothing.

Step 4: Judgement

If you do not respond to the claim form within 14 days, the court may issue a CCJ against you. If you admit the debt or if the court finds in favour of the creditor, the court will issue a CCJ and set out a payment plan.

Step 5: Repayment

Once the CCJ is issued, you are expected to make payments as per the court order. If you fail to meet these repayments, the creditor can take further enforcement action.

Step 6: CCJ Registry

All CCJs are recorded in the Register of Judgments, Orders, and Fines. Credit reference agencies use this information, which can negatively impact your credit score for six years.

For visual learners, here’s a flow chart showing the CCJ process:

what happens if i ignore a ccj

If you have received a CCJ claim form or need advice on dealing with debt, Become Debt Free can help. We are a licensed insolvency practitioner providing clear, impartial help to individuals nationwide. Call us on 0800 169 1536 or leave an enquiry on our website.

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Consequences of Ignoring a CCJ

Ignoring a County Court Judgement (CCJ) can lead to serious consequences. It can affect both your immediate financial situation and your future financial prospects. Let’s explore these implications in detail:

Impact on Your Credit Score and Credit File

A CCJ will be recorded on your credit file for six years, whether you pay it in full or not. It can severely impact your credit score, making it difficult to secure credit in the future, such as a mortgage, credit card, or loan. Moreover, it can also affect your ability to rent a property or even get some jobs.

Ignoring a CCJ can lead to various enforcement measures. The court allows creditors to use several methods to recover the money owed.

Below is a table illustrating the possible enforcement measures a creditor might take if a CCJ is ignored:

Enforcement MeasureWhat It Means
County Court BailiffBailiffs are allowed to take control of your goods and sell them to repay your debt.
Attachment of Earnings OrderIf you’re employed, an order can be sent to your employer to deduct payments directly from your wages.
Charging OrderThis secures the debt against your property or shares, which can be sold to pay the debt.
Third Party Debt OrderThis allows the creditor to take money directly from your bank or building society account.

Please remember that these enforcement measures can only be used after a CCJ has been issued and you have failed to keep up with the repayment plan set by the court.

If you’re dealing with a CCJ, get advice as soon as possible. Become Debt Free can provide assistance to navigate these complex situations. We are licensed insolvency practitioners based in Leeds, ready to help individuals across the UK. Dial 0800 169 1536 or leave an enquiry on our website for swift assistance.

How Can You Deal with a CCJ?

Dealing with a County Court Judgment (CCJ) can be daunting, but it’s important to remember that you are not alone. There are competent sources of advice and a variety of options available to you.

Seeking Advice

Seeking help and advice is the first crucial step in dealing with a CCJ. Become Debt Free is a team of licensed insolvency practitioners based in Leeds, providing advice and solutions nationwide. Contact us at 0800 169 1536 or leave an enquiry on our website to discuss your situation in a friendly manner and explore the options available to you.

Options for Dealing with a CCJ

When dealing with a CCJ, there are several options you can consider:

Payment in Full: Paying the full amount immediately after receiving a CCJ can prevent it from appearing on your credit file. However, it’s not always a feasible option for many individuals.

Payment Plan: If you can’t afford to pay the CCJ in full immediately, you can propose a monthly repayment plan to your creditor. This would involve making regular payments towards the debt until it’s cleared.

Setting Aside a Judgment: In some cases, you may be able to apply to set aside the judgment. This option is usually only available if there were problems with the court process or if you didn’t receive the initial CCJ claim form. This step can be complicated, and it’s strongly advised to seek legal advice before proceeding.

Impact of Circumstances on Your Options

Different circumstances can impact your options and the strategies you employ to deal with a CCJ. For instance, if your financial circumstances change significantly, you may be able to apply to the court to change the payment terms. Alternatively, if you believe the CCJ is issued in error or you have a defence against the claim, you might consider setting aside the judgment.

Remember, every CCJ case is unique, and what worked for someone else might not work for you. That’s why personalised advice is so essential.

In any case, ignoring a CCJ is not the right approach. Reach out to Become Debt Free for a quick response and impartial help to handle your CCJ and take control of your financial situation.

The Impact of Ignoring a CCJ

Ignoring a County Court Judgment (CCJ) can have far-reaching effects on your financial life. The consequences can extend beyond merely damaging your credit score and may affect several aspects of your financial and business life.

Impact on Future Financial Opportunities

Ignoring a CCJ can significantly hamper your chances of securing future financial opportunities such as mortgages or credit cards. Financial institutions and credit reference agencies consider a CCJ a serious mark against your creditworthiness.

Mortgages: Lenders usually perform thorough credit checks when processing a mortgage application. Having a CCJ on your credit file may make it much more difficult to get a mortgage, as it suggests to lenders that you have had issues repaying debt in the past.

Credit Cards: Similar to mortgage lenders, credit card companies also view CCJs negatively. It can lead to your application being declined or, if approved, potentially result in higher interest rates and lower credit limits.

Impact on Your Business

If you’re a business owner, ignoring a CCJ can have serious implications. Particularly for those with business addresses, a CCJ can affect the company’s credit rating and its ability to secure business loans or other financing options.

Business Loans: A CCJ on your credit file can hamper your business’s ability to secure a loan. Lenders may see your business as a high-risk borrower due to the history of unpaid debt indicated by the CCJ.

Business Reputation: A CCJ against your business can potentially harm its reputation. For instance, suppliers and customers may see the CCJ when they perform due diligence on your company, leading to a loss of business.

In conclusion, it’s crucial to avoid ignoring a CCJ. Instead, take proactive steps to handle it. Become Debt Free is here to offer you help and advice. Call us on 0800 169 1536 or leave an enquiry on our website to take the first step towards resolving your CCJ and safeguarding your financial future.

How Become Debt Free Can Help

Dealing with a County Court Judgment (CCJ) can be stressful and overwhelming. This is where debt advice companies, like Become Debt Free, step in. We provide tailored advice and solutions to help you navigate through the intricacies of the CCJ process.

Friendly, Expert Advice

At Become Debt Free, our team of experts, including Beverley Horton and Chris Callaghan, are always ready to offer good advice in a friendly manner. Our aim is to make you feel comfortable while discussing your debt issues. We understand that each situation is unique, and therefore, we provide advice that suits your specific circumstances.

Fast Response and Easy Communication

With Become Debt Free, you’ll never be left in the dark. We value your time and strive to respond to all inquiries promptly. You can easily reach us through various channels including phone calls and online chat. Whether you have a question about the CCJ claim form, want to discuss potential repayment plans, or are looking for information on the enforcement process, we’re here to help.

Personalised CCJ Handling

Become Debt Free takes a personalised approach to handling CCJ issues. We understand that a one-size-fits-all strategy doesn’t work when dealing with financial matters. We evaluate your financial situation, consider your income, monthly repayments capacity, and other financial commitments to suggest the best course of action. This could be arranging a suitable payment plan with your creditor, helping you apply to set aside the judgement, or guiding you through the process of a debt arrangement like an Individual Voluntary Arrangement (IVA).

Remember, ignoring a CCJ won’t make it go away. Taking swift action will. Let Become Debt Free help you take that step forward. Get in touch with us today at 0800 169 1536 or drop an enquiry on our website. We are committed to helping you regain control of your financial life.

Frequently Asked Questions (FAQs)

Here, we will address some of the most commonly asked questions about County Court Judgments (CCJs) and the potential consequences of ignoring them.

What happens if I ignore a CCJ?

If you choose to ignore a CCJ, you’re inviting several serious consequences. These could include a negative impact on your credit score, additional court actions, and potential enforcement by a county court bailiff, a third-party debt order, or even an attachment of earnings order.

Can ignoring a CCJ affect my credit score?

Yes, ignoring a CCJ can negatively impact your credit score. A CCJ stays on your credit file for six years, making it difficult for you to secure credit or take out loans during this period.

How can I stop a CCJ from being enforced?

To stop a CCJ from being enforced, you need to comply with the judgment by either paying in full or sticking to the repayment plan set out in the judgement. If you disagree with the CCJ, you can apply to have it set aside. However, this requires valid reasons and supporting evidence.

Can Become Debt Free help me deal with a CCJ?

Absolutely. Become Debt Free is a team of licensed insolvency practitioners based in Leeds. We can offer advice and provide solutions, including Individual Voluntary Arrangements (IVAs), to help you effectively deal with a CCJ. Call us today on 0800 169 1536 or leave an enquiry on our website.

I have received a CCJ claim form, what should I do?

Don’t ignore the claim form. Fill it out, provide all necessary details, and send it back to the court within the stipulated deadline (usually 14 days). If you need help with the form or aren’t sure about the process, Become Debt Free is here to help. Reach out to us for advice and assistance.

Ignoring a CCJ can lead to serious financial and legal complications. If you’ve received a CCJ or are dealing with one, it’s important to seek professional help. At Become Debt Free, we’re here to offer guidance and support. Don’t hesitate to contact us to discuss your options.


Ignoring a County Court Judgment (CCJ) isn’t just an ill-advised course of action, it can lead to profound financial and legal implications that may be hard to recover from. The impact on your credit file alone can limit your access to credit or loans for a considerable period, while potential enforcement measures may disrupt your financial stability and peace of mind.

Whether you’re grappling with a CCJ claim form, the court process, or enforcement procedures, understanding the full implications is crucial, and taking proactive steps is key. But remember, you don’t have to navigate these complex scenarios alone.

Debt advice companies, such as Become Debt Free, are here to help guide you through the process. As licensed insolvency practitioners, we offer advice and solutions, such as Individual Voluntary Arrangements (IVAs), tailored to your unique situation. We provide assistance to individuals nationwide, ensuring that CCJs are handled in a fair and manageable manner.

Don’t let the fear of a CCJ intimidate you into inaction. There are options available to you, and we’re here to help you find them. Give us a call today at 0800 169 1536 or leave an enquiry on our website. We’re ready to help you take control of your financial situation, providing you with the tools and advice you need to become debt-free.

Ignoring a CCJ may seem like the easy way out, but the real solution lies in facing the issue, understanding your options, and seeking the right advice. Remember, a CCJ is a hurdle, not a dead end. With the right guidance and support, you can overcome it.


The primary sources for this article are listed below.

County court judgments for debt: Overview – GOV.UK (

Details of our standards for producing accurate, unbiased content can be found in our editorial policy here.

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