Key points
- Never ignore a claim form
- You usually have 14 days to respond
- You can admit the debt and offer affordable instalments
- Pay in full within one month and the CCJ is removed from the register
- Otherwise it stays on your credit file for six years
This guide covers England and Wales. Scotland and Northern Ireland have different court systems.
You've received a claim form
Before a CCJ is made, a creditor must send you a claim form. You usually have 14 days from receiving it to respond. If you agree you owe the money, you can admit the claim and make an offer to pay in affordable monthly instalments. If you disagree, you can defend it, or acknowledge the claim to get an extra 14 days.
If you don't respond, the creditor can ask the court for judgment by default. The court may then order you to pay the full amount or instalments you can't afford.
After a CCJ is made
- If you pay the full amount within one month of the judgment, you can ask for the CCJ to be removed from the Register of Judgments.
- If you pay later, it stays on the register for six years but is marked as satisfied once paid.
- If your circumstances change, you can ask the court to change the monthly amount.
- If you didn't receive the claim, you may be able to apply to have the judgment set aside.
What if you can't pay?
If you miss CCJ payments, the creditor can ask the court for enforcement, such as bailiffs, an attachment of earnings order or a charging order on your home. Get advice early so you can keep payments affordable and deal with any other debts at the same time.
Frequently asked questions
How long does a CCJ stay on my credit file?
Six years from the date of judgment, unless you pay in full within one month, in which case it can be removed.
Can I pay a CCJ in instalments?
Yes. You can offer instalments when you respond to the claim, or ask the court to change the amount later.
What happens if I ignore a CCJ?
The creditor can ask the court for enforcement action, such as bailiffs or deductions from your wages.
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Sources and further reading
This guide is general information, not advice, and was correct when last updated. Rules and limits can change. Speak to a regulated adviser about your own situation.