If you can't pay in full within 28 days any debt owing will now be subject to court fees, solicitor’s costs and interest. The latter will be added to the outstanding balance, and if you do not come to an agreement with your creditor this will fall due at the time of County Court Judgement or within a specified time.

How should you respond to a County Court Judgement? For many people this is the last straw. They have experienced severe debt problems and do not know who to turn to. However it is vitally important to act now or your credit rating will be drastically reduced. Remember most creditors would rather receive their funds, even over a longer period of time, than to waste additional time and money on pursuing you via the courts.

If you ignore the County Court Judgement application the Creditor can apply to the court for the judgement. Once obtained they can then apply for a Warrant of Execution to remove property from your home or apply for an Attachment of Earning order. In severe cases a charge can be placed on your home if you own it. In some cases deductions will be made from benefits.

Seek help from a Debt Counsellor who may be able to set up a payment plan with you creditors. If you receive an application for a County Court Judgement time is of the essence and you should act before it goes to to court.