What happens if I get a CCJ?

A County Court Judgment means a court has formally decided that money is owed. GOV.UK explains payment, instalments, variation and how the judgment is recorded.

Reviewed 2 November 2026General information, not debt advice

A County Court Judgment, or CCJ, can be made where a creditor takes court action and the claim results in a judgment. The judgment states how much is owed, how it must be paid and the deadline.

If you cannot afford the ordered payment

GOV.UK says a person who owes the money but cannot afford the ordered terms can apply to change the payments, for example by asking to pay in instalments. The process can involve form N245 and a court fee.

Credit record

GOV.UK states that a judgment is normally kept on the Register of Judgments, Orders and Fines for six years unless it is paid in full within one month, in which case it can be removed from the register.

Do not ignore enforcement

If a judgment is not paid as ordered, further enforcement action may be possible. Get help promptly if you cannot comply with the order.

Primary sources

GOV.UK: County court judgments for debtPrimary or public authority source, checked 2 November 2026.
MoneyHelper: Debt Advice LocatorPrimary or public authority source, checked 2 November 2026.