Debt Recovery Claims

Debt recovery cases are an issue which is often dealt with in the county courts. The courts are set up to enable this, with those who are owed money able to obtain a county court judgment (CCJ) against their debtors. These legally oblige the debtor to repay the full amount owed, and set the stage for further action to be taken against them if they should fail to do so.

The result of a county court judgment being served upon a debtor can include seizure and sale of property by bailiffs, or requiring their employer to dock their wages in order to pay off the plaintiff’s debt.

The county court can be an important step if you are having trouble securing repayment from someone who owes you money. It’s equally important if you are the one who owes money, as a county court judgment can affect your credit rating in the future, and will be kept on record in the Register of Judgments, Orders and Fines for six whole years if you fail to pay the outstanding sum within thirty days of the judgment being made.

Debt recovery cases, as with most county court claims, do not have juries, and in many cases it may be possible for the case to be settled quickly and the judgment handed down in a swift and fair fashion, to ensure that payment is made in full where owed.