• I have received a County Court Judgement, what should I do?
• What can I do to sort this out, and will it affect my credit rating?
• I own my home. Can they make me sell it?
• My creditors have said they are now going to make me Bankrupt. Can they do this?
• Bailiffs have called at my home demanding goods or money. Can they do this?
• I am in full time employment. Can they make deductions from my salary?
• I have heard about Administration Orders. What are they?
• The company I owe money to have added interest to the amount I owe. Can they do this?
• My ex partner has run up debts in joint names and has not paid the County Court Judgement as agreed. They are now chasing me. What can I do?
• Can my Creditors make deductions from my benefit?

What can I do to sort this out, and will it affect my credit rating?
The County Court Judgement will be added to your credit file unless you pay the full balance off within one month. You can then request the registration of the County Court Judgement to be cancelled.

I own my home. Can they make me sell it?
Not normally, but in extreme cases of repeated non payment your creditor can apply for a Charging Order to be placed on your home.

My creditors have said they are now going to make me Bankrupt. Can they do this?
Yes, if your debt to them is over £750.

Bailiffs have called at my home demanding goods or money. Can they do this?
Yes, once your Creditors have a County Court Judgement they can apply for a Warrant of Execution. This will allow them to remove non essential items that you own, and these will be sold at auction to help pay towards your debts.

I am in full time employment. Can they make deductions from my salary?
They can apply for an Attachment of Earning order. If they are successful your employer will deduct money from your salary.

I have heard about Administration Orders. What are they?
You can apply to the court for an Administration Order if you have 2 or more creditors and debts below £5000.

The company I owe money to have added interest to the amount I owe. Can they do this?
Yes, until the debt has been cleared.

My ex partner has run up debts in joint names and has not paid the County Court Judgement as agreed. They are now chasing me. What can I do?
As the debts are in joint names the County Court Judgement will be too, so you are liable for them as well. You should call the companies and try to come to an arrangement you can afford. If you have a forwarding address for your ex partner you could forward this to them as well.

Can my Creditors make deductions from my benefit?
Yes they can. Certain companies such as utilities are allowed to apply to the Department for Work and Pensions (DWP) to have deductions taken from your benefit.