Dealing with CCJs

Dealing with CCJs

County Court Judgements (CCJs)

If you are struggling to pay your outstanding business debts, creditors, including HMRC, will commonly threaten to use the court system to obtain a County Court Judgement (CCJ) in an attempt to obtain payment. Partly this is because it is a relatively easy and often very effective way of clearing a debt. Despite CCJs being fairly commonplace when a business is having financial issues, we often find people asking, ‘what is a CCJ’ and ‘What will it mean to my business'? Naturally, they are also worried about what happens if they cannot pay a CCJ. It is probably a good idea for all directors to understand the process of a county court judgement, how it may affect your business and what you can do about them.


The process

Any creditors who are owed money can apply for a CCJ. The process is straightforward and can be done online and at a low cost. For example, for a £5,000 debt, the online fee is currently as little as £185.

The claim is issued, and you will receive this from the court directly. You will be given 14 days to reply; whether that is to dispute the debt, make an offer of payment, or simply pay the debt.

If a reply is not received the creditor can take the following action:

How can a CCJ affect your business?

If a creditor has a CCJ it will have the following implications.

What can I do?

Firstly you need to act quickly because, as you can see, the effects on your business are serious. If you have a creditor who is threatening a CCJ under no circumstances ignore it.

Some options are:

CCJs are often an indication of a wider issue and need to be dealt with appropriately. We are happy to discuss this with you further and offer a free 20 minute initial call to talk through your problems.


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