We aim to make our website as accessible as possible. However if you use a screen reader and require debt advice you may find it easier to phone us instead. Our phone number is 0 8 0 0 1 3 8 1 1 1 1. Freephone (including all mobiles).
StepChange Debt Charity logo
i The advice on this page applies to residents of Northern Ireland only.

Northern Ireland court action

Court action in Northern Ireland to collect debt

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.

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 Helpline (free from all landlines and mobiles). We'll give you expert advice tailored to your situation.

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.

We link to external websites where they contain relevant information for our visitors. We're not responsible for the content of these websites, or any infringement on your data rights under data protection regulations by any external website provider.

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

© StepChange Debt Charity 2018