A CCJ, an abbreviation of county court judgment, is a legal order that requires you to pay back money you owe.

The court can give a CCJ:

  • if you don't pay an invoice
  • if you don't follow an agreement to pay back money (known as a 'county court order')

A CCJ can be for any kind of debt. The most common are:

  • Rent arrears
  • Credit or store card debts
  • Catalogues or hire purchase debts
  • Overdrafts
  • Personal loans
  • Gas or electricity bills

You can be given a CCJ if you owe money to:

  • A person
  • A company
  • The council

What happens if I don't pay?

If you don't pay, the creditor can:

  • Take money from your wages (known as 'garnishing')
  • Take money from your bank or building society account

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