A county court judgment (CCJ) is a judgment issued by the courts that orders the debtor to settle the debt, all the associated costs plus interest within a specified time frame.

Once issued, if the amount due is not paid within one month, the CCJ will be placed on the debtor’s credit record for six years, making it difficult for them to obtain credit in the future.

The number of county court judgments (CCJs) registered against consumers in England and Wales over the past 12 months has reached record levels since current records dating back to 2005 began, according to figures released by Registry Trust. Business and consumer debt has been on the rise and with late payment putting substantial pressure on cash flows for businesses it’s not surprising that more companies are resorting to taking legal action in order to recover the money they are owed.

In order to prevent a ‘slow payer’ becoming a ‘bad debtor’ the sooner appropriate action is taken to collect payment the greater the chances that the debt will be repaid. Receiving a prompt from a solicitor is often an effective means of ensuring customers settle their invoice.

In the event the debt remains outstanding, steps are available to take court action to obtain a judgment, which if still unpaid can be enforced against them using a variety of options.

Our team is made up of specialist expert lawyers that can provide practical advice to lead to a successful recovery against slow or stubborn payers, having resolved many debt recovery matters over the years. Get in touch today – the good news about bad debt is there is nothing to lose but your debts! Details of our Price Structure & Guidance can be found here.


If you require advice or assistance in relation to any of these issues or Litigation law matters at Jordans Solicitors we have a dedicated Litigation team who can help. Please dial 01924 387 110 and ask to speak with a member of the Litigation team or request a call back.


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