County Court Judgement

To Pay or Not To Pay A CCJ?

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County Court Judgement

“You delay, but time will not.” – Benjamin Franklin

A county court judgement (CCJ) may be a symptom of company insolvency.  A county court judgement enables a creditor to put pressure on a company to pay an outstanding debt. Left unpaid, the creditor can apply to have company assets seized or even wind up the company (compulsory liquidation) should the assets not cover the debt. 

To Pay or Not To Pay A CCJ?

A company that has received notice (a county court summons) of an impending county court judgement must make a response within 14 days by either paying the debt or disputing the debt and attending court.  If after 14 days no response has been made the county court judgement will almost certainly be issued in a default judgement, citing payment terms.

Unfortunately, once a county court judgement is issued its details are kept on the statutory Register of Judgement, Orders and Fines for 6 years (unless paid within a month of CCJ judgement), which credit agencies reference.  Therefore obtaining future credit may be difficult.  Further, where a director has provided a personal guarantee for credit, the directors credit rating may also be affected. 

Call for free, no obligation advice on dealing with county court judgements.

CCJ Payment

The debt could be paid in full (consider finance) or by reaching an agreement with the creditor to pay it.

If a company is unable to pay, the directors may consider a :

We can help with all of these options being licensed insolvency practitioners, please just call.

Dispute A CCJ

An unsuccessful dispute results in the county court judgement being issued with details of payment.  Please enquire for CCJ dispute advice & help as we are insolvency specialists.

Claim against Creditor

It's feasible to counter claim against a creditor if it's felt the creditor owes the company, Ask us.

Other signs of company insolvency: HMRC debt | statutory demand | winding up petition

“You delay, but time will not.” – Benjamin Franklin


pre-insolvency moratoriumcompany voluntary arrangement, company administration or company liquidation, all formal insolvency procedures which licensed Insolvency Practitioners can legally implement. 

Any application to challenge and set aside a statutory demand (dismiss it) must be made within 18 days of its serving.  A successful challenge (there's a genuine dispute) results in the statutory demand being rescinded and court costs being met by the creditor.

Call 0121 201 1720 for free, no obligation help. To wait until presentation of a winding up petition to pay the debt could be a costly error.   

Other signs of insolvency
 : HMRC debt county court judgement | winding up petition


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