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’ll tell you the amount you need to pay.
You need to contact your creditor to either pay off the debt or come to an arrangement with them to pay it off in instalments they’re happy with.
If you can’t do either of these the creditor can ask the Enforcement of Judgment Office (EJO) to collect the money.
The EJO can collect money in various ways and if your debt gets to this stage extra charges might be added.