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Free advice on problem debt
based on what's best for you

0800 138 1111Freephone (including all mobiles)

Court action

If a creditor isn't willing to accept your offer of payment, they can start court action to recover the debt.

If you've been contacted about court action contact us for free debt help. We'll explain the next steps you need to take and exactly what your creditor can do. 

Before a creditor can do this they must take reasonable steps to recover the debt, including sending you a default notice and writing to warn you about possible court action.

The court process to recover unpaid debts is meant to give creditors a way to guarantee they will get paid. However a court should be fair to both sides and will normally take your circumstances into account when deciding what you should pay.

Depending on where you live in the UK the court action your creditors can take is different.

So whether you live in England or Wales and you’ve received a County Court judgment, you’ve got a money judgment in Northern Ireland or a decree from a Scottish court, you can find all the information you need in this section.

Free help and advice

Regardless of where you live, if you’ve received any court paperwork, we can help. Our expert advice will give you the next steps you need to take. All you need to do is call our Helpline on 0800 138 1111 (Free from all landlines and mobiles) or use our online Debt Remedy tool.

Helping you become debt free...

“I wish to thank your staff for all the great help they gave me when I was in so much debt.
They were a pillar of support to me.” (Leslie, Essex)

Foundation for Credit Counselling Wade House, Merrion Centre, Leeds, LS2 8NG trading as StepChange Debt Charity and StepChange Debt Charity Scotland. A registered charity no.1016630 and SC046263. It is a limited company registered in England and Wales (company no:2757055). Authorised and regulated by the Financial Conduct Authority.

*This is the average rating of our service on Feefo by DMP and DRO clients three months into their solution.

© StepChange Debt Charity 2016