How a County Court Judgment (CCJ) Happens: England & Wales

A County Court Judgment (CCJ) is a court order in England and Wales confirming you owe a debt. It follows a money claim you did not respond to or lost, and it can stay on your credit file for 6 years unless paid quickly.

How a CCJ happens

A CCJ starts with a money claim, not with the court deciding anything on its own initiative. A creditor (or whoever is owed money) issues a claim, typically through Money Claim Online (MCOL) or on paper using form N1, and the court sends the person being sued a claim form.

From that point the clock starts. The person being sued usually has 14 days to respond, and that period extends to 28 days if they file an acknowledgement of service within the initial 14 days, for example because they need more time to prepare a defence. Both periods run from when the claim is served, not from when you open it, so work from the response date on the claim form, letter or email.

What happens next depends on the response:

• No response at all within the deadline: the creditor can ask the court to enter judgment by default. The court does not weigh the evidence in this scenario; the claim simply goes unanswered, so judgment is entered on paper.
• The claim is defended: the case proceeds through the usual county court process, and a judge decides the outcome after considering both sides.
• The claim is admitted, in full or in part: the court can enter judgment reflecting what is admitted, often with directions on how it is to be paid.

However the judgment arises, it sets out how much is owed and how it is to be paid: in full immediately, by a set date, or by instalments. Most CCJs are default judgments, which is why responding to a claim form, even just to dispute it or ask for time, is the single biggest factor in whether one is entered at all.

Consequences of a CCJ

Once judgment is entered, it is recorded on the Register of Judgments, Orders and Fines, maintained by Registry Trust, and it stays there for 6 years from the judgment date unless it is paid in full within 1 calendar month and removed. A judgment given after a defended hearing is registered only once the creditor takes a step to enforce it or payment by instalments is ordered or applied for; a judgment entered by default is registered straight away. Paying later does not shorten that period.

That register entry is visible to credit reference agencies and lenders, so a CCJ typically makes it harder and more expensive to get credit, including mortgages, credit cards and some tenancy agreements, for as long as it remains on file.

There are two outcomes depending on timing:

• Paid in full within 1 calendar month of the judgment: you can get the CCJ removed from the register entirely by writing to the court with proof of payment from the creditor. If you want a certificate of cancellation as proof, it costs £19 on form N443.
• Paid after that month, or paid by instalments over a longer period: you can get the entry updated to show it as "satisfied" by writing to the court with proof of payment, but it remains on the register for the full 6 years.

If a CCJ is left unpaid, it does not simply expire quietly. The creditor can take further steps to enforce it, and those steps carry their own consequences, covered below.

Your options if you get a CCJ

• Pay in full within 1 month. This is the only route that gets the judgment removed from the register rather than marked satisfied, so acting quickly matters if you can find the money.
• Apply to pay by instalments, or ask to vary an existing instalment order. If the original judgment set a payment schedule you cannot afford, or none was set, you can ask the court to fix or change one based on what you can reasonably pay.
• Apply to set aside the judgment. This is for cases where the judgment should not stand, for example a default judgment entered because you never received the claim form, or because you have a genuine defence to the claim. This is made on form N244 and is normally dealt with at a hearing, with a court fee that changes from time to time (check the current fee on the gov.uk court fees page before applying; some claimant-consent situations qualify for a reduced fee).
• Get free debt advice before deciding anything. StepChange, National Debtline and Citizens Advice all offer free, confidential help on responding to a claim, negotiating payment, or working out whether a CCJ can realistically be avoided or challenged. None of them charge for this, and this page is information, not advice tailored to your situation, so speaking to one of them is the sensible next step if a claim form or CCJ has landed on your doormat.

The most important single point above all of these: respond to a claim form. Ignoring it, rather than a lack of a defence, is how most people end up with a default CCJ they could otherwise have contested, negotiated, or at least had time to prepare for.

If a CCJ is not paid: enforcement

A CCJ on its own does not physically take money or property from anyone. If it goes unpaid, the creditor has to take a further, separate step to enforce it, and several enforcement routes exist in England and Wales:

• Warrant or writ of control: county court bailiffs or, for judgments of £600 or more (and always from £5,000), High Court Enforcement Officers can be instructed to recover the debt from goods. Judgments on regulated consumer credit agreements, such as most credit cards and personal loans, can only be enforced in the County Court, whatever the amount.
• Attachment of earnings order: deductions taken directly from wages by the employer.
• Charging order: secures the debt against property the debtor owns.
• Third-party debt order: freezes and redirects money the debtor is owed by someone else, such as funds in a bank account.

Each of these has its own process, and being enforced against is a further, later stage that only follows an unpaid CCJ. See our dedicated pages on bailiffs' rights and enforcement agents and attachment of earnings and wage deductions for how each of these works and what protections apply.

Scotland and Northern Ireland are different

This page covers England and Wales only. A CCJ is a specifically English and Welsh county court mechanism, and the equivalent orders elsewhere in the UK use different names, thresholds and processes:

• Scotland does not have CCJs at all. The equivalent court order from the Sheriff Court is called a decree, obtained (for most consumer debt claims) through Simple Procedure rather than the county court system. See our Scotland small claims and Simple Procedure page.
• Northern Ireland has its own judgment and enforcement system, with judgments enforced through the Enforcement of Judgments Office (EJO) rather than county court bailiffs.

Never assume a Scottish decree is "a CCJ," or that Scotland's or Northern Ireland's money-claim thresholds and enforcement rules mirror those in England and Wales. Each nation runs its own system.

If you want a plainer, jargon-free walkthrough of what a CCJ is, see what is a CCJ?; if you already have one and want the removal and set-aside process in full, see CCJ removal. For how the underlying money claim reaches court in the first place, see Money Claim Online. For the wider picture of money claims and debt options across the UK, see the UK Debt & Money hub, part of our wider guide to United Kingdom law.

If you have received a claim form or a CCJ and are unsure what to do, free, independent debt advice is available from StepChange, National Debtline, Citizens Advice, or MoneyHelper. This page is general legal information about how CCJs work in England and Wales, not advice on your individual circumstances, and it is not a substitute for speaking to a free debt adviser or a solicitor.

Frequently Asked Questions

What is a County Court Judgment (CCJ)?

A CCJ is a court order made in the County Court in England and Wales stating that you owe a specific debt. It follows a money claim, and it is recorded on a public register for 6 years.

How long do I have to respond to a money claim?

Usually 14 days after the claim is served on you, so check the response date on the claim form, letter or email. Filing an acknowledgement of service within that time extends the deadline to 28 days after service to file a full defence.

Will a CCJ automatically go on my record if I do nothing?

Yes. If you do not respond to a claim form in time, the creditor can ask the court to enter judgment by default, which is how most CCJs are created.

How long does a CCJ stay on my record?

6 years from the date of judgment, on the Register of Judgments, Orders and Fines run by Registry Trust, unless you pay it in full within one calendar month and have it removed. If you pay later it stays for the full 6 years, marked as satisfied.

Can I get a CCJ removed?

Paying it in full within 1 calendar month of the judgment, then writing to the court with proof of payment, gets it removed from the register entirely. Paying later gets it marked satisfied but it still stays for the full 6 years. See our dedicated CCJ removal page for the full process.

What if the CCJ was entered by mistake or I never knew about the claim?

You can apply to have the judgment set aside using form N244, which asks the court to cancel or reconsider the judgment, typically at a hearing.

What happens if I do not pay a CCJ?

The creditor can apply to enforce it, for example through a warrant or writ of control, an attachment of earnings order, a charging order, or a third-party debt order.

Is a CCJ the same as a Scottish decree?

No. Scotland does not use CCJs. Its equivalent order is a decree from the Sheriff Court, usually obtained through Simple Procedure, with its own separate rules.