If you’re struggling with debts, they may seem impossible to manage. However, there are ways to get out of debt, no matter how bad the situation seems. And there’s plenty of free advice available to help you.
Facing up to your debt problem
Almost everyone owes money – bills are a fact of life. But sometimes you [...]
If you’re in debt and you are finding it hard to cope, it’s important to deal with the problem straight away – the longer you ignore your debts, the worse the situation becomes.
Make a list of everything you owe
The first job is to sort out exactly what you owe, and to whom you owe [...]
Considating debts with a loan can be a very risky way to get out of debt unless you have addressed the underlying issue why you got into debt in the first place. For example, if you got into debt because your day-to-day expenses were more than your income, getting a consolidation loan may not be [...]
You usually pay your Council Tax bill in instalments over 10 months. If you’re having difficulty making a payment, contact your local council immediately and explain the situation – the longer you ignore a debt problem, the worse the situation becomes.
If you can't make a Council Tax payment, make a list of everyone you [...]
If you have a genuine reason to disagree with a CCJ you can ask the court not to apply it straight away ('set it aside'). You may have to pay a fee for this. If you don’t have a genuine reason, your application could be treated as wasting court time or even perjury – serious [...]
Unless you pay the full amount of the judgment within one month, your CCJ will be recorded on the Register of County Court Judgments for six years.
Organisations such as banks, building societies and loan companies use the registered information to help decide whether to give you credit or loans, like a mortgage.
If you have a CCJ you pay the creditor who made the claim against you, or their solicitor or representative who will accept your payments on their behalf.
You can also seek help to put together a plan to resolve your overall financial situation. Free advice is available.
After the court hearing, the court may issue an order saying you must repay the debt. This order is called a CCJ and will either be for the amount agreed between you and your creditor or, if you can’t agree, a payment set by the court.
If you have judgments from more than one creditor, the [...]
The court will send you a 'Claim Form', showing how much the creditor says you owe them, and the details of the claim (though these details can be sent separately up to 14 days later). This form gives you the opportunity to explain your situation to the court.
Replying to a Claim Form
You’ll receive an 'Admission [...]
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