What are County Court Judgements (CCJs)?
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In England and Wales (Scotland has its own legal system), County Court Judgments (CCJs) are legal decisions handed down by County Courts. Judgments for monetary sums are entered on the Register of County Court Judgments, which is checked by credit reference agencies to assess the credit-worthiness of individuals.
If the debtor continues to default on a CCJ the creditor may apply for a charging order which would secure the debt on a property. Creditors can also apply for an attachment of earnings which would oblige the debtor's employer to deduct monies from their salary and send them to the court. A Third Party Debt order would oblige a third party who holds money belonging to the debtor (for example a bank) to pay the debt. It is also possible to have the court appoint a Bailiff to collect the debt. A Bailiff is an official of court and has the power to seize goods and sell them at auction to settle a debt.
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