Can I Just Stop Paying My Bills?

stop sign

Question What happen if I just decide to stop paying my bills, and just not pay anyone? Answer Hi, That is a good, but complex question. Things such as electricity and other essentials rent, could be very problematic. Such as having energy cut off, or being evicted. Debts or accounts, such as loans, credit cards, […]

I Have a CCJ And Now Bailiffs Are At My Door

knocking on a door

Question Hi and thank you in advance. I failed to repay a loan years ago and the bank got a CCJ and have now sent out Bailiffs. I am scared and just do not know what to do. Vicki Answer Vicki, Bailiffs can be intimidating and very stressful. But most of them are very professional […]

I Cannot Afford To Pay My Council Tax

Taxes

Question Jon thanks for your advice you provide. I have an issue with my local council, I owe them money and they say they are going to send out bailiffs. I just cannot afford to pay them, and am at a loss as to what to do? Answer Hi, Council Tax is a priority bill […]

I Owe Council Tax And Don’t Know What To Do?

tax

Question Jon, I have read what you wrote about CCJ’s and also the courts enforcing the judgment. I owe Council Tax and have been in arrears for sometime now, and recently the Council sent me a court notice that they are seeking a judgment against me. I know this is serious, but I don’t know […]

CCJ’s – The Courts – Enforcement Orders

the courts

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 […]

CCJ Enforcement Orders 101 ( The Basics)

scales of justice

I have been receiving more questions from readers regarding bankruptcy and also defaulting on loans and receiving a CCJ/County Court Judgment. Some are being threatened with being made bankrupt by one of their creditors. While the threat of being made bankrupt should always be taken seriously, it may be just that a threat. You need […]

Council Tax is a Priority Bill

Priority sign

A lot of people moan about paying Council Tax….and I was one of them. I pay £85 a month, and I always said, what am I getting for this money??? I know, I was getting rubbish removal, police services, fire services, plus funding the Council itself. But yet, I still moaned. Then there was the […]

What To Do If Bailiffs Come to Your Home

the bailey justice

If there is one word which can strike fear in the hearts of anyone struggling with their bills and finances….it is Bailiffs! If you live in Scotland, it is the Sheriffs. There are a few things that must be said about Bailiffs: There are strict rules and laws they must follow to collect a debt […]

What is a County Court Judgment or CCJ and What Happens If I Have One?

judge banging a gavel

One of the tools to collect a debt in the arsenal of creditor’s collection efforts is a CCJ or County Court Judgment. When a creditor decides to go to the courts and get a CCJ, in some instances, not all instances, they may have exhausted all the other efforts they may have tried. It may […]

I Have a CCJ, Can The Courts Take My House?

court gavel, judgment

Question Hi, I foolishly signed as a guarantor for a now ex-friend of mine. He defaulted on the loan, and I was contacted to pay. I could not afford to repay the loan, so it went to court and a CCJ was issued against me. I entered into a payment plan, but I am unsure […]