Know-How Easily You Can Eliminate the County Court Judgement (CCJ)

Know-How Easily You Can Eliminate the County Court Judgement (CCJ)

If you are running a business, then you may have faced some situations where you need prompt money. It may be festive season OR you want to purchase a new equipment to boost your productivity. In that scenario, you approach creditors who can easily lend you money.

But! Many such incidents take place where you are not able to collect money and fail to repay the borrowing amount on schedule time. It is a tough situation because the creditor will not be going to hear any excuses. You can ask for some more time but what will happen when you again fail to repay the borrowed money?

In that scenario, you may end up with County Court Judgement (CCJ).

County Court Judgement: It is basically a DEBT COLLECTION PROCESS. If you fail to repay on bills, mortgages, loans and credit cards, then the creditor can drag you in the court. And if you fail to clear off the debt, then it will badly affect your credit score. It may happen that in the future no one will invest or lend money to you.

For business, it is one of the toughest situations to be in. But you do not have to give up because there are several ways through which you can eliminate the judgement OR set aside. We have discussed every possible way that can help you get rid of CCJ promptly.

Before we move to the ways, you should know a few things that are mentioned below:

  • Confirm the judgement: You should check that the case against you is genuine or not. If you find that creditor is registered a false case against, then you can dispute.
  • Check the amount: The amount mentioned on the judgement may be wrong. If you can prove it, then present your views in front of them. This will help you to stay away from extra costs.
  • : Many times creditors send warning at the wrong place. So, check that the address you have mentioned is correct or not. Otherwise, it will create a huge problem for you. If you change the address, then you should let the creditors know.

The above-mentioned points are ONLY valid if you think that there is any mistake (unintentionally).

Now, let’s have a look to clear off the CCJ...

  • Address the situation immediately

It is very important to paying-off the debt fast. But many people do not have any savings which lead them to pay in instalment. In that situation, you have to analyse the financial situation. Check how much you earn (per-month) and how much you have to pay.

You have to cut down so many unnecessary expenses for a short period. So, that you do not have to face financial crisis. It would be better if you earn some extra bucks to pay the CCJ fast.

  • Try to give in a month

CCJ will reflect on your credit report after a few days of judgement. But you can promise the court that you will pay the amount within a month. If you are able to do this, then it will remove from your credit history like it never happened.

Though, paying money in a month is not that easy but you can without concerning about your budget.


Loan: Many people prefer to take assistance with the CCJ loans where no guarantor is required from a direct lender. This one is the best method because here, you are going to clear off the CCJ within a day. Once you pay the money to the creditors, then it is your responsibility to inform the court about it.

  • Stay quiet for six years

If you wait for six years, then CCJ will remove from your credit history. You do not have to pay a penny to the lenders. But the question arises is that “can you really afford to wait for such a long period?”

What will happen when you need urgent money to cover your unexpected expenses? Though, you can choose this option when you fail to get help in any other way.

  • Ask the creditors for reducing the amount

It may happen that after trying so hard, you won’t able to repay the full amount. In that situation, you can ask the lender or appeal to the court to reduce the amount. It is not that easy, you have to provide a genuine reason. If they understand your current situation, then they can reduce the amount.

You can see it is not difficult to get rid of CCJ but you have to do proper planning. Follow the above-mentioned ways to get results fast.

Description: County Court Judgement can ruin your financial life but with proper planning, you can solve it. We have discussed several ways that can help you in every possible way.

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