How Do You Get a County Court Judgment or CCJ?

CCJ stands for County Court Judgement. This judgement is usually related to a debtor who has defaulted to pay off his debt. This judgement can be pronounced by the County Court or higher courts. This judgement is recorded against the debtor and the credit record of the person shall always portray this CCJ. Hence, it becomes difficult for the concerned person to seek further loans, since the creditor performs the CCJ check. On one hand, the CCJ seems to be a nightmare for the debtors while on other hand, it is an efficient tool for creditors to extract their due credit from those debtors who are proving to be stubborn to heed to their legitimate demands. Hence, for every creditor, it is necessary to know: how do you get a CCJ.

A County Court Judgement can be obtained by any creditor against their debtor whose debt is not getting fulfilled. However, certain so-called serial debtors seem to have more than single CCJs in their name. Hence, it is necessary for the creditor to perform a CCJ check while mulling over giving a debt to someone. Otherwise, under unfortunate circumstances, the creditor might be required to search for the process of how do you get a CCJ? Nevertheless, the process of acquiring a CCJ is very simple.

The first and foremost thing to do, while being in the process of acquiring a CCJ, is to acquire the current address of the debtor. This cannot be more tedious than performing a CCJ check against someone. Once the address is in hand, the creditor needs to fill in the requisite forms. These forms are available online and can be accessed easily. After filling the forms and providing with the necessary enclosure, the next step in ‘How Do You Get a CCJ’ process is to submit them in the relevant court. The creditor also has the claiming right to demand a considerable interest on the debt which the debtor has left outstanding.

After submitting, the court takes around 5-6 weeks to issue an affirmation that the defendant has been sent a copy on a given date. The debtor is then required to pay the outstanding amount within 2 weeks of receiving the notification from the court. If not paid, your ‘How Do You Get a CCJ’ step is to demand from the court to give a judgement. The judgement makes the debtor agree to the debt and provide a specific time limit within which the debt shall be relieved. Usually, the CCJ notice serves the purpose and one is sparred from going to the ‘judgement’ phase. In order to avoid getting into this process, take expert’s advice to perform CCJ check and validate your debtor accordingly.