There have been many delays and cancellations due to the pandemic in the past couple of years, and it appears as those delays may linger on for a bit more time.
One of those delays and cancellations has been in the court system.
You can now file for bankruptcy online, and also file for divorce online, but there are still a few things you need a court and a judge to do in the courts. And one of those is to obtain a County Court Judgment or CCJ.
Then if a creditor so chooses if you cannot maintain any payment agreement via the CCJ, they can then look at obtaining an Enforcement Order. Which again means going back to the courts.
How Long Does It Take To Get a CCJ?
In past times a CCJ could be issued quickly, in some instances in a week or possibly a few weeks, but times have changed.
My research could not pinpoint an exact time due to the courts being very busy and also on short staff. So the time frame may be longer now, but as the wheel moves slowly, the wheel still moves.
It comes down to a writ being issued by the courts, sent to you, which you then have 14 days to respond.
If a payment arrangement can be worked out, the judgment can still be issued, but as long as you make the agreed payments, all is well.
Should you not pay the agreed payments, that is when an Enforcement Order can be issued, however, once again this is via the courts.
Enforcement Orders is where matters turn ugly, and they can turn ugly fast.
It may take time for the creditor to get to the courts, pay the fees, and get a CCJ and then an Enforcement Order, but once they do, they now have the upper hand….so to speak.
They can look at using Bailiffs to collect what is owed, having a Charging Order issued against a property, and even attachment of your wages. Yes, it all gets ugly. It is best to avoid this stage of the collection process.
Charging Orders in essence turn an unsecured debt into a secured debt. The debt is now attached to a property you may have, and if a creditor wished, they could force the sale of that property. Does this really happen? Not to my knowledge or experience. The courts do not like making people homeless, however, that order sits there against the property until the property is sold, and the order is then paid.
Bailiffs and garnishment of wages is another realm of scariness. Having someone come to your home to take your stuff, or having money taken out of your wages each month, before you get paid, needs to be avoided.
The courts may be backlogged and busy for now, but judgments are still being issued.