How Long After Default Can I Get A CCJ (And Why)?

How Long After Default Can I Get A CCJ (And Why)?

Exact Answer: Six Years

The banking sector is one of the fastest-growing sectors all over the world. Government, as well as private banks, have been set up in different parts of the world. Banks have a lot of significance, and one of the primary significance is that they can help people by giving them loans. People trust banks and store money in banks.

CCJ is an abbreviation of Country Court Judgement and can only be issued in England and Wales. It is only after a person takes a loan that their creditor can apply for a CCJ. Banks or creditors do proper checking before giving a person any loan. But there arises a few cases where the debtor is declared bankrupt and cannot pay the creditor in any kind.

How Long After Default Can I Get A CCJ

How Long After Default Can I Get A CCJ?

Country Court Judgement or CCJ can be issued after six years in case of an extended debt. In case a CCJ receives, the debtor has only about two weeks to respond. Ignoring the claim will only make the matter worse. By worse, it means that the court might order to pay the debt within a brief period with an unimaginable interest rate. Before the CCJ, the creditor has to send a warning to the debtor about the debt owed.

The time frame in which a person receives a CCJ is critical. The individual can challenge the court to prove them wrong, pay the total amount or a partial amount. But it is to be remembered that an individual can remove the CCJ from their credit profile if they pay back the owed money within thirty days. If they cannot pay back within thirty days, it can reflect on their credit profile for six years.

Country Court Judgement
Events In Case Of CCJTime Duration
If the debt is not paidSix years
If the debt is paidLess than six years

The time duration to get a default is six years, whether you pay the debt or not. If you have paid the debt, it won’t be reflected in the CCJ for the time after it is paid. If the debt is not paid, it will be reflected for six years, and after that, when a new CCJ will be issued, it will not be added.

Why Does It Take That Long After Default To Get A CCJ?

It is not always the case for a person to wait to get credit after getting a CCJ. As mentioned above, A person paying his or her debt on time will be eligible to get another credit or wait for six years. The person who receives the CCJ has a period of fourteen days in their hand to reply. In this case, not replying might become a burden later when paying the debt. The reply mainly includes how much money the person has with them that can be used to pay off the debt.

Issuing a CCJ is not an easy process. It takes time to happen. It is difficult for a person to pay back the money they owed in just a short period. If it a long debt, then it becomes near to impossible. To ease the matter, the debtor gets a time of six years. In that six years, the creditor cannot issue a Country Court Judgement against the debtor. Sometimes, a person may file for a defense against the CCJ if they disagree with it.

Country Court Judgement

It takes that long after default to get a CCJ because of the paperwork involved. The CCJ can only be issued after the court has checked up all the documents and decided that the debtor owes money. The CCJ can be avoided if the debtor pays the money before it is issued. Even if a CCJ is received, paying straight up solves the matter.


Overall, it can be concluded that abiding by the law is the most and foremost thing for a person. He or she can be a creditor or a debtor, or an average person. Rules and regulations are the same for every person. When a creditor has issued a CCJ, and the debtor is ignorant about it, he or she can take legal action.

A person can get a CCJ after six years, not depending on whether the debt is paid. Charging Order and attach of earnings order is among the other actions which the creditor can apply to the court against the debtor. All these situations can be avoided if the debts are paid in time without any delay.


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24 thoughts on “How Long After Default Can I Get A CCJ (And Why)?”

  1. The detailed and thorough explanation of the legal and financial aspects of getting a CCJ in this article is truly commendable, offering a valuable resource for readers.

    1. I’m impressed by the article’s comprehensive coverage of the consequences of a CCJ and the timeframes involved, providing valuable knowledge for individuals dealing with debt issues.

  2. This article sheds light on the legal implications and timeframes associated with getting a CCJ, offering valuable insights into the topic.

    1. I find the explanation about the duration of a default’s impact and the ability to remove a CCJ from the credit profile quite elucidating.

  3. The article does a remarkable job of elucidating the legal processes and implications associated with a CCJ, providing readers with valuable insights.

    1. Avatar of Suzanne Robinson
      Suzanne Robinson

      The explanation of the debtor’s options upon receiving a CCJ and the subsequent legal repercussions is both enlightening and instructive.

    2. The depth of information regarding the consequences of a CCJ and the timeline for its impact is truly impressive.

  4. The article effectively outlines the timeframes and actions related to the issuance of a CCJ, bringing clarity to a complex subject.

    1. The discussion on why it takes so long to get a CCJ after default is quite thought-provoking and insightful.

  5. Avatar of Megan Wilkinson
    Megan Wilkinson

    The process of getting a CCJ after default and the possible consequences are presented with clarity and insight in this article.

    1. The legal and financial aspects of getting a CCJ are well-articulated here, providing valuable knowledge.

    2. I’m impressed by the detailed explanation of events in the case of a CCJ and the time frames involved.

  6. This article offers a well-informed overview of the CCJ issuance process, providing an educational resource for those dealing with financial matters.

    1. The detailed discussion on the duration of a default’s impact and the potential outcomes for debtors is truly informative and enlightening.

  7. A comprehensive and in-depth analysis of the CCJ issuing process, providing valuable knowledge for both creditors and debtors.

    1. Avatar of Saunders Pauline
      Saunders Pauline

      The explanation of the consequences of ignoring a CCJ claim and the subsequent legal actions is compelling and instructive.

    2. I appreciate the article’s detailed account of the reasons behind the time it takes to get a CCJ after default, offering a nuanced perspective.

  8. This article provides persuasive information about the role of banks in society. I find it fascinating to learn about the legal processes of issuing a CCJ.

  9. The description of the significance of banks and the procedures regarding CCJ is very informative and enlightening.

    1. Understanding the timeline for receiving a CCJ and the factors influencing it is crucial for individuals dealing with debt issues.

    2. I believe it’s essential for people to be aware of the implications of a CCJ, and this article does an excellent job of explaining that.

  10. A very informative piece on the process of getting a CCJ and its implications. It’s significant for individuals to understand these aspects.

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