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<span>Guide </span>County court judgments for debt</h1>
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<span class="part-label">Part 1<span class="visuallyhidden">:</span></span> <span class="part-title">Overview</span>
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<a href="/county-court-judgments-ccj-for-debt/if-you-dont-owe-the-money" title="Part 2: If you don't owe the money - cancel the judgment">
<span class="part-label">Part 2<span class="visuallyhidden">:</span></span> <span class="part-title">If you don't owe the money - cancel the judgment</span>
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<a href="/county-court-judgments-ccj-for-debt/if-you-do-owe-the-money-pay-the-judgment" title="Part 3: If you do owe the money - pay the judgment">
<span class="part-label">Part 3<span class="visuallyhidden">:</span></span> <span class="part-title">If you do owe the money - pay the judgment</span>
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<a href="/county-court-judgments-ccj-for-debt/ccjs-and-your-credit-rating" title="Part 4: CCJs and your credit rating">
<span class="part-label">Part 4<span class="visuallyhidden">:</span></span> <span class="part-title">CCJs and your credit rating</span>
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<header><h1>
<span>Part 1<span class="visuallyhidden">:</span> </span>Overview</h1>
</header><p>If someone takes court action against you, saying you owe them money, and you don’t respond, you could get a county court judgment (CCJ) or High Court judgment.</p>
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<p>If you get a judgment, this means that the court has formally decided that you owe the money.</p>
<p>The judgment will come in the post and will explain:</p>
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<li>how much you owe</li>
<li>how you should pay (in full or in instalments)</li>
<li>the deadline for paying</li>
<li>details of who you need to pay</li>
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<p>Records of judgments are kept for 6 years unless you pay the full amount within a month - this can make it hard to get credit.</p>
<p>If you don’t owe the money, you can ask the court to cancel, or ‘set aside’, the judgment.</p>
<p>If you do owe the money, you should arrange to pay what you can afford.</p>
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<p>If you get a judgment don’t ignore it - you could be taken back to court and forced to pay.</p>
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<h2>Court judgments for debt in Scotland</h2>
<p>The law is different in Scotland - see guidance from the Accountant in Bankruptcy (Scotland’s insolvency service).</p>
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<p class="modified-date">Last updated: 9 January 2013</p>
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