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County Court Judgment (CCJ). We can help

Getting a County Court Judgment (CCJ) can be worrying. But don’t panic - we can help you deal with it. Take our 60-second debt check to get expert advice now.

What is a CCJ?

A CCJ is a judgment sent by Northampton County Court to force you to pay a debt you owe. You have 14 days to respond. If you ignore it the court could send a bailiff, take money straight from your income or put a charge on your house, which could lead to repossession. 

Have I received a CCJ?

Debt collectors can send letters that look very official to scare you into thinking you have received a CCJ. Firstly, check the letter you have is a CCJ.

  • Does the letter contain a N1 (debt balance), N9a (admission form), N9n (defence form)?
  • Does it say ‘Claim Form’ in the top left hand corner?
  • Has it got this stamp?

CCJ claim form

It is a CCJ. How do I deal with it?

You can either admit you owe the money and make an offer of payment, or dispute it. If you admit it you need to see how much you can afford. Don’t panic and offer more than you can pay. We can tell you what to offer.  

A step-by-step video guide to completing a CCJ

The video below is a step by step guide to completing your CCJ (N9A) form. As you complete your form make sure that:

  • You listen to the video carefully. Pause and rewind it as many times as you need to
  • The information you give in the form is as clear and accurate as possible

Is there a CCJ register?

A CCJ stays on the Register of Judgments, Orders and Fines for 6 years. This is only viewed by banks and loan companies. You may struggle to get credit while you’re on the register.  

If you pay the debt in full within a month you’ll not go on the register. So with a CCJ it’s vital you act quickly.

Take the 60-second debt check now!

Our 60-second debt check will:

  • Give you an immediate assessment of your situation
  • Allow you to take control of the situation
  • Give access to a full online debt advice session to help you see how much to offer

Our debt check is quick, free, easy to use and you don’t have to give your name. Alternatively, you can call 0800 138 1111 to speak to a debt advisor in confidence.

Need CCJ help? FREE personal debt advice in 20 mins

Complete our FREE Debt Remedy tool to find out what to do next

  • Completely anonymous
  • Free and easy to use

Try Debt Remedy

Why choose us?

With over 20 years’ experience, you can be confident that you’re getting the best possible advice.

  • Our advice is completely FREE. We put your interests first, so you can be sure our advice is based on what’s best for you.
  • Tailored advice.Whether you go to our online Debt Remedy tool or speak to one of our expert advisors, our advice will always be right for you.

What our clients say about us

"Thanks for helping me keep my home and happiness...I was desperately worried. Now I can feel confident about the future."
- Karl, West Yorkshire

Read about the lives we've changed»


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