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Court action

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

Before a creditor can do this they must take resonable steps to recover the debt, like sending you a default notice. This gives you time to pay the arrears. If you can’t pay they can then start court action.

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 the Scottish court has started diligence, 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 free Helpline on 0800 138 1111 or use our online Debt Remedy tool.

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"What an amazing service. It is not always easy to call for help on the phone and the advice given to me was very private and very helpful."

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StepChange Debt Charity is the new name for the Consumer Credit Counselling Service. Although we look different, our service, and the people behind it, are just the same.

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We hope you like our new and improved website. If you need free advice, support or solutions to resolve your debt problem, we've made it easier to find. And if you need to speak to someone, we're always here for you.

Find out more about our name change