{"id":1034,"date":"2025-04-28T08:27:27","date_gmt":"2025-04-28T08:27:27","guid":{"rendered":"https:\/\/www.drafty.co.uk\/blog\/?p=1034"},"modified":"2025-07-04T15:09:19","modified_gmt":"2025-07-04T15:09:19","slug":"county-court-judgment","status":"publish","type":"post","link":"https:\/\/www.drafty.co.uk\/blog\/county-court-judgment\/","title":{"rendered":"What is a CCJ? Understanding About County Court Judgment"},"content":{"rendered":"\n<p>Have you heard of County Court Judgments (CCJs) but aren&#8217;t sure what they mean for your finances? Let&#8217;s break down what CCJs are and how they might affect you.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_80 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.drafty.co.uk\/blog\/county-court-judgment\/#what_is_a_county_court_judgment_ccj\" >What is a County Court Judgment (CCJ)?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.drafty.co.uk\/blog\/county-court-judgment\/#how_ccjs_are_issued_in_the_uk\" >How CCJs are issued in the UK<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.drafty.co.uk\/blog\/county-court-judgment\/#1_starting_the_process\" >1. Starting the process<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.drafty.co.uk\/blog\/county-court-judgment\/#2_your_response\" >2. Your response<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.drafty.co.uk\/blog\/county-court-judgment\/#3_court_decision\" >3. Court decision<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.drafty.co.uk\/blog\/county-court-judgment\/#what_happens_if_you_get_a_judgment\" >What happens if you get a judgment?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.drafty.co.uk\/blog\/county-court-judgment\/#ccj_consequences_on_your_credit\" >CCJ consequences on your credit<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.drafty.co.uk\/blog\/county-court-judgment\/#impact_on_your_credit_report\" >Impact on your credit report<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.drafty.co.uk\/blog\/county-court-judgment\/#harder_to_get_credit\" >Harder to get credit<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.drafty.co.uk\/blog\/county-court-judgment\/#steps_to_address_and_manage_ccjs\" >Steps to address and manage CCJs<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.drafty.co.uk\/blog\/county-court-judgment\/#1_dont_ignore_it\" >1. Don&#8217;t ignore it<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.drafty.co.uk\/blog\/county-court-judgment\/#2_respond_to_the_claim\" >2. Respond to the claim<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.drafty.co.uk\/blog\/county-court-judgment\/#3_pay_if_you_can\" >3. Pay if you can<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.drafty.co.uk\/blog\/county-court-judgment\/#4_seek_advice\" >4. Seek advice<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.drafty.co.uk\/blog\/county-court-judgment\/#can_a_ccj_be_cancelled_or_set_aside\" >Can a CCJ be cancelled or set aside?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.drafty.co.uk\/blog\/county-court-judgment\/#what_happens_when_you_pay_a_ccj\" >What happens when you pay a CCJ?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.drafty.co.uk\/blog\/county-court-judgment\/#how_do_you_read_a_court_judgment\" >How do you read a court judgment?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/www.drafty.co.uk\/blog\/county-court-judgment\/#what_happens_if_you_dont_pay\" >What happens if you don&#8217;t pay?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/www.drafty.co.uk\/blog\/county-court-judgment\/#bottom_line\" >Bottom line<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/www.drafty.co.uk\/blog\/county-court-judgment\/#faqs\" >FAQs<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/www.drafty.co.uk\/blog\/county-court-judgment\/#how_do_you_get_a_county_court_judgment\" >How do you get a county court judgment?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/www.drafty.co.uk\/blog\/county-court-judgment\/#who_issues_my_county_court_judgment\" >Who issues my county court judgment?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"what_is_a_county_court_judgment_ccj\"><\/span><strong>What is a County Court Judgment (CCJ)?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>A County Court Judgment (CCJ) is a court order issued by the County Court in England and Wales. You may get a county court judgment for debt if someone takes court action against you saying you owe them money and you don&#8217;t respond or pay the debt.<\/p>\n\n\n\n<p>When you don&#8217;t pay money you owe, the person or company you owe the money to can take you to court. If the court has formally decided that you owe the money, they will issue a judgment against you.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"how_ccjs_are_issued_in_the_uk\"><\/span><strong>How CCJs are issued in the UK<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"532\" height=\"399\" src=\"https:\/\/www.drafty.co.uk\/blog\/wp-content\/uploads\/2023\/11\/How-CCJs-are-Issued-in-the-UK.jpg\" alt=\"How CCJs are Issued in the UK\" class=\"wp-image-1038\" srcset=\"https:\/\/www.drafty.co.uk\/blog\/wp-content\/uploads\/2023\/11\/How-CCJs-are-Issued-in-the-UK.jpg 532w, https:\/\/www.drafty.co.uk\/blog\/wp-content\/uploads\/2023\/11\/How-CCJs-are-Issued-in-the-UK-300x225.jpg 300w, https:\/\/www.drafty.co.uk\/blog\/wp-content\/uploads\/2023\/11\/How-CCJs-are-Issued-in-the-UK-80x60.jpg 80w, https:\/\/www.drafty.co.uk\/blog\/wp-content\/uploads\/2023\/11\/How-CCJs-are-Issued-in-the-UK-265x198.jpg 265w\" sizes=\"auto, (max-width: 532px) 100vw, 532px\" \/><\/figure>\n\n\n\n<p>The process for court judgments for debt follows these steps:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_starting_the_process\"><\/span><strong>1. Starting the process<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The process begins when a creditor (person or company you owe money to) sends you a letter saying they plan to take court action. If you ignore it, you could receive a county court claim for the money owed.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_your_response\"><\/span><strong>2. Your response<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"532\" height=\"399\" src=\"https:\/\/www.drafty.co.uk\/blog\/wp-content\/uploads\/2023\/11\/The-Debtors-Response.jpg\" alt=\"The Debtor's Response\" class=\"wp-image-1037\" srcset=\"https:\/\/www.drafty.co.uk\/blog\/wp-content\/uploads\/2023\/11\/The-Debtors-Response.jpg 532w, https:\/\/www.drafty.co.uk\/blog\/wp-content\/uploads\/2023\/11\/The-Debtors-Response-300x225.jpg 300w, https:\/\/www.drafty.co.uk\/blog\/wp-content\/uploads\/2023\/11\/The-Debtors-Response-80x60.jpg 80w, https:\/\/www.drafty.co.uk\/blog\/wp-content\/uploads\/2023\/11\/The-Debtors-Response-265x198.jpg 265w\" sizes=\"auto, (max-width: 532px) 100vw, 532px\" \/><\/figure>\n\n\n\n<p>When you get a claim, you should respond within the date on the email or letter you receive. You can:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pay the full amount<\/li>\n\n\n\n<li>Admit you owe the money and offer to pay it back in monthly payments<\/li>\n\n\n\n<li>Dispute that you owe the money<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_court_decision\"><\/span><strong>3. Court decision<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>If you don&#8217;t respond or if the court decides against you, you will get a judgment saying you must pay the debt. You don&#8217;t usually need to attend court for this to happen.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"what_happens_if_you_get_a_judgment\"><\/span><strong>What happens if you get a judgment?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>If you get a county court judgment, you&#8217;ll receive a court order telling you:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>How much you owe<\/li>\n\n\n\n<li>How to pay (all at once or in instalments)<\/li>\n\n\n\n<li>The date by which you need to pay<\/li>\n\n\n\n<li>Who to pay<\/li>\n<\/ul>\n\n\n\n<p>It&#8217;s important not to ignore this. Judgment do not ignore notices, as further action can be taken if you don&#8217;t pay.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"ccj_consequences_on_your_credit\"><\/span><strong>CCJ consequences on your credit<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>A CCJ can seriously affect your finances:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"impact_on_your_credit_report\"><\/span><strong>Impact on your credit report<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong>The CCJ will appear on your credit file for six years unless you pay the full amount within one month.<\/strong> <strong><a href=\"https:\/\/www.drafty.co.uk\/blog\/credit-reference-agencies\/\" target=\"_blank\" rel=\"noreferrer noopener\">Credit reference agencies<\/a><\/strong> will record this information, which lenders can see.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"harder_to_get_credit\"><\/span><strong>Harder to get credit<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>With a CCJ on your credit report, you may find it harder to:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Get a mortgage<\/li>\n\n\n\n<li>Take out <strong><a href=\"https:\/\/www.drafty.co.uk\/loans\/\" target=\"_blank\" rel=\"noreferrer noopener\">loans<\/a><\/strong><\/li>\n\n\n\n<li>Get a credit card<\/li>\n\n\n\n<li>Set up some services like mobile phone contracts<\/li>\n<\/ul>\n\n\n\n<p>Your credit rating will be damaged, making borrowing more expensive even if you can get approved.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"steps_to_address_and_manage_ccjs\"><\/span><strong>Steps to address and manage CCJs<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>If you receive a CCJ, here&#8217;s what you can do:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_dont_ignore_it\"><\/span><strong>1. Don&#8217;t ignore it<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The worst thing you can do with a CCJ is ignore it. This could lead to being taken back to court and forced to pay through methods like:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Taking money directly from your wages (through the debtor&#8217;s employer)<\/li>\n\n\n\n<li>Taking money from your benefits<\/li>\n\n\n\n<li>Taking your belongings to sell<\/li>\n\n\n\n<li>In rare cases, making you bankrupt<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_respond_to_the_claim\"><\/span><strong>2. Respond to the claim<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Always respond to any court claim you receive. Fill out the reply form and return it promptly. If you admit you owe the money but can&#8217;t afford to pay it all at once, suggest a payment plan.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_pay_if_you_can\"><\/span><strong>3. Pay if you can<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>If you can pay the full amount within one month of the judgment date, the CCJ will be removed from your credit file. If you pay later, it will stay on your file for six years but will be marked as &#8220;satisfied.&#8221;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_seek_advice\"><\/span><strong>4. Seek advice<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>If you&#8217;re struggling with debt, get help from organisations like:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Citizens Advice<\/li>\n\n\n\n<li>StepChange Debt Charity<\/li>\n\n\n\n<li>National Debtline<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"can_a_ccj_be_cancelled_or_set_aside\"><\/span><strong>Can a CCJ be cancelled or set aside?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>In some cases, a CCJ can be cancelled or set aside if:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You didn&#8217;t receive the claim documents<\/li>\n\n\n\n<li>You responded to the claim but your response wasn&#8217;t considered<\/li>\n\n\n\n<li>You have a good reason why you couldn&#8217;t respond<\/li>\n<\/ul>\n\n\n\n<p>You&#8217;ll need to apply to the court and pay a small fee. If successful, you may still need to defend the original claim.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"what_happens_when_you_pay_a_ccj\"><\/span><strong>What happens when you pay a CCJ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>When you pay a CCJ:<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li>Make sure you pay exactly as instructed in the judgment<\/li>\n\n\n\n<li>Keep proof of payment<\/li>\n\n\n\n<li>If you pay in full within one month, the CCJ won&#8217;t appear on your credit file<\/li>\n\n\n\n<li>If you pay after one month, contact the court to get a &#8220;Certificate of Satisfaction&#8221;<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"how_do_you_read_a_court_judgment\"><\/span><strong>How do you read a court judgment?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>A court judgment will show:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The case number<\/li>\n\n\n\n<li>Your name and the creditor&#8217;s name<\/li>\n\n\n\n<li>How much you owe<\/li>\n\n\n\n<li>How you should pay<\/li>\n\n\n\n<li>The deadline for payment<\/li>\n\n\n\n<li>Details of what happens if you don&#8217;t pay<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"what_happens_if_you_dont_pay\"><\/span><strong>What happens if you don&#8217;t pay?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>If you don&#8217;t pay as ordered, the creditor can ask the court to enforce the judgment through:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>An attachment of earnings \u2013 taking money from your wages<\/li>\n\n\n\n<li>A charging order \u2013 securing the debt against your property<\/li>\n\n\n\n<li>A third-party debt order \u2013 freezing and taking money from your bank account<\/li>\n\n\n\n<li>Bailiffs \u2013 taking your belongings to sell<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"bottom_line\"><\/span><strong>Bottom line<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>A CCJ is a serious matter that can affect your finances for up to six years. Always respond to court claims, try to pay what you owe if possible, and seek help if you&#8217;re struggling with debt.<\/p>\n\n\n\n<p>For debt in Scotland, the process is different. You would receive a different type of claim called a Simple Procedure Notice of Claim. If you need help with debt in Scotland, contact Scotland&#8217;s Insolvency Service.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"faqs\"><\/span><strong>FAQs<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1745827697182\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"how_do_you_get_a_county_court_judgment\"><\/span><strong>How do you get a county court judgment?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>A county court judgment happens when someone you owe money to takes court action against you. If you don&#8217;t respond to the claim or if the court decides you owe the money, they will issue a judgment.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1745827704485\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"who_issues_my_county_court_judgment\"><\/span><strong>Who issues my county court judgment?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Your county court judgment is issued by the County Court in England and Wales (or the High Court judgment for larger claims). It comes after a creditor files a claim form because of unpaid debt.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n<p><strong>Disclaimer:<\/strong> The information above is provided for reference only. This is not financial or legal advice.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Have you heard of County Court Judgments (CCJs) but aren&#8217;t sure what they mean for your finances? Let&#8217;s break down what CCJs are and how they might affect you. What is a County Court Judgment (CCJ)? A County Court Judgment (CCJ) is a court order issued by the County Court in England and Wales. You [&hellip;]<\/p>\n","protected":false},"author":47,"featured_media":1040,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":{"0":"post-1034","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-research"},"_links":{"self":[{"href":"https:\/\/www.drafty.co.uk\/blog\/wp-json\/wp\/v2\/posts\/1034","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.drafty.co.uk\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.drafty.co.uk\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.drafty.co.uk\/blog\/wp-json\/wp\/v2\/users\/47"}],"replies":[{"embeddable":true,"href":"https:\/\/www.drafty.co.uk\/blog\/wp-json\/wp\/v2\/comments?post=1034"}],"version-history":[{"count":5,"href":"https:\/\/www.drafty.co.uk\/blog\/wp-json\/wp\/v2\/posts\/1034\/revisions"}],"predecessor-version":[{"id":1253,"href":"https:\/\/www.drafty.co.uk\/blog\/wp-json\/wp\/v2\/posts\/1034\/revisions\/1253"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.drafty.co.uk\/blog\/wp-json\/wp\/v2\/media\/1040"}],"wp:attachment":[{"href":"https:\/\/www.drafty.co.uk\/blog\/wp-json\/wp\/v2\/media?parent=1034"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.drafty.co.uk\/blog\/wp-json\/wp\/v2\/categories?post=1034"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.drafty.co.uk\/blog\/wp-json\/wp\/v2\/tags?post=1034"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}