Once a County Court Judgment has been obtained by a creditor, further court action can be brought to enforce the judgment debt. The enforcement action could include an application for:
An Attachment of Earnings Order: the court considers a customer’s income and expenditure information and orders that a regular amount should be taken directly from the customer’s wages to pay towards the judgment debt. This means that the employer is informed of the debt, and is responsible for ensuring that the correct sum is sent to the court each month.
A Charging Order: the creditor asks the court to make an order that the Judgment debt is secured against the customer’s property. This means that when the property is sold or remortgaged, the debt should be paid directly from the proceeds of the sale.
A Warrant of Control: a County Court bailiff is instructed to attend the customer’s property to establish contact with them, and in the absence of a reasonable repayment arrangement, may seize goods to be auctioned to pay towards the judgment debt. We want to avoid enforcement action. Please contact us to discuss your circumstances, so that we can work with you to achieve the right solution.
If you are in any doubt as to your legal position you should obtain independent legal advice.