What is a Court Judgment?

Once you have a formal court order in your favour known as a County Court Judgment (CCJ) or Court Judgment, you can use legal methods known as enforcement proceedings to get your money back.

For debt recovery cases, the individual or company who owes the money is called the Judgment Debtor and the individual or company who the money is owed to is called the Judgment Creditor.

Once a Court Judgment has been made, it is up to the Judgment Debtor to pay the Judgment Creditor quickly to avoid further complications arising for the Debtor.

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What is enforcing a Court Judgment?

When you have obtained a Court Judgment against an individual or company for the money that they owe you, we can enforce this Judgment to make sure you get paid as soon as possible.

Enforcement can be done in one of many ways including the High Court Enforcement Officer, Attachment of Earnings Order, Third Party Debt Order, Charging Orders, Statutory Demands and more.

Our expertise and experience in this field allows us to advise you of which method is the most suitable for your situation and how we will go about actioning this debt recovery process.

High Court Enforcement Officer

If the Judgment Debtor remains unresponsive or uncooperative after the Court Order has been given, we will enforce the Judgment by seeking the help of a High Court Enforcement Officer (HCEO) or County Court Bailiff.

The HCEO will visit the Judgment Debtor to collect the money owed, or if this proves impossible or difficult then the next step would be to seize their assets to sell.

It is worth noting that the Judgment Debtor is partly responsible for the cost of instructing the HCEO or bailiff, unless they are unable to collect your debt in full in which case you would be responsible for the costs.

Attachment of Earnings Order

As part of the CCJ, the Judgment Debtor may have been ordered to make multiple payments to the Creditor to pay off their debt.

Should the Debtor fail to make at least one of their payments, the Attachment of Earnings Order (AEO) is a request to the court for permission to recover the debt through the Debtor’s wages or earnings.

There are a few rules such as the AEO cannot be granted if the debtor is unemployed, self-employed or in the army. It also cannot usually be used at the same time as other methods of enforcing.

Third Party Debt Order

If the Judgment Debtor has money in the bank or is owed money by a third party, but is avoiding paying their CCF, we can process a request to the Court for a Third Party Debt Order (TPDO).

This is a two-stage process that starts with the Court freezing the Judgment Debtor from taking money out of their bank or building society account.

The second and final stage of the TPDO is when the Court orders the bank or the third party to pay the money they owed to the debtor directly to you, the Judgment Creditor instead.

No matter which enforcement method you choose, we will go through all your options and advise you as best as possible.

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Peter Bland - Head of Debt Recovery

Debt Recovery Lawyer, Peter Bland (pictured), heads this department. Peter is an expert in debt recovery claims and legal costs and has been practising law for nearly 20 years. His strong background in debt recovery allows him to provide trusted and knowledgeable advice no matter the situation and complexity of your case. Peter and his team will ensure that your debt recovery case will be handled professionally and efficiently so you can sit back and relax as we will do everything we can to get you what you are owed as soon as possible.

Peter is an Associate at Scott Rees & Co, as well as a member of the Association of Costs Lawyers and a Graduate member of Chartered Legal Executives.

If you are interested to know more about what we do, or how much we charge, or how our service can benefit you, then please do not hesitate to contact Peter Bland using the details below:

Tel: 01695 712 253

Email: peter.bland@scottrees.co.uk

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