If you live in Northern Ireland and your creditors start court action they will apply for a money judgment.
This information only applies to people who live in Northern Ireland, if you live in England, Wales or Scotland the action your creditors can take is different.
If you receive a money judgment, it will tell you the amount you need to pay.
If you can’t pay this amount straight away you’ll be sent a ‘Notice of Intention to Enforce a Money Judgment’. Once you’ve received this you have 10 days to either pay the full amount or come to an arrangement with your creditors to pay the amount back in monthly instalments.
If you don’t do either of these the creditor can ask the Enforcement of Judgment Office (EJO) to collect the money. They must do this within 3 months of the judgment.
The EJO can collect money in various ways and if your debt gets to this stage extra charges might be added.
Help and advice
If you’re struggling to pay your debts or you’ve received a money judgment we can help. You can use our online Debt Remedy tool, or call our free Helpline on 0800 138 111. We'll give you expert advice tailored to your situation and based on Northern Irish debt law.
