You've had a CCJ — what now?

A judgment is not the end of the road. There are set ways to pay, vary or challenge it.

Pay within a month

If you clear the full amount within 30 days of judgment, the CCJ is removed from the register entirely. Otherwise it stays on record for six years.

Ask to vary the payments

If the instalments set by the court are unaffordable, you can apply to vary them using a court form and a budget. Courts routinely reduce payments where the figures support it.

Challenge it if it's wrong

If you never received the claim, or you dispute the debt, you can apply to set the judgment aside. Act quickly — delay weakens the application.

Want to know which routes are open to you?

Four questions and a shortlist. No calls unless you ask for one.

Check my options

May not be suitable in all circumstances. Fees apply and your credit rating may be affected. Arcadia is an information service — always consider free, independent advice before deciding.