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UK debt & bankruptcy guidance

What is County Court Judgment (CCJ)?

Your Rights

A court order confirming you owe a debt, issued when a creditor sues you. It stays on your credit file for six years.

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Related Your Rights terms

Attachment of Earnings

A court order that takes money for a debt directly from your wages before you receive them, used for some CCJs.

Bailiff (Enforcement Agent)

A person authorised to collect certain debts, sometimes by taking possessions to sell. They must follow strict rules and a clear notice period.

Bankruptcy Restrictions Order (BRO)

A court-imposed set of restrictions that extends bankruptcy limits beyond the usual discharge period, usually for dishonest or reckless behaviour.

Breathing Space

A statutory scheme in England & Wales giving you 60 days of legal protection from creditor action while you get professional debt advice.

Charging Order

A court order that secures an unsecured debt against an asset you own — often your home — so the creditor could force a sale (rarely for bankruptcy debts).