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County Court Judgement is A common court procedure use by the lenders and creditors to recover the money you owe them. Check that the amount you owe is correctly quoted on the Judgment.

CCJ will be registered with the Register of County Court Judgments and Credit Reference Agencies will note this on your file. You can avoid this if you can settle the amount in full within 30 days from the date it has been registered. Once the CCJ is registered it will be difficult for you to obtain credit in the future.

Amending an entry on the Register of County Court Judgments - If a Judgment is set aside or reversed because on appeal or it has been paid within one month, the court will automatically remove the entry from the Register of County Court Judgments.

The court will send notification of cancellation to the Registry Trust within three days of the date of the order. The entry will be removed from the Register and from the credit reference agencies' databases within three to four weeks.

If you are able to settle the amount at a later date you should request the courts to note that the Judgment has been satisfied. The CCJ will remain on your file for six years whether it is satisfied or not. The potential lenders will be able to see that you have paid the debt.

Once the debt has been paid, you can apply to have the entry amended to show the debt has been paid. This does not remove the entry. It only marks it as paid or "satisfied". Whether or not a Judgment has been paid it will remain on your file for six years. After that time the records are deleted.

If you are unable to pay the monthly amount specified then you should ask the courts to "vary" the order by completing a Form N245, obtainable from the court. You will be asked to provide information about your regular income and expenditure (means enquiry). You will have to pay £30 fee to the courts for submitting this application.

In England and Wales, a Certificate of Satisfaction, stating that the debt has been paid, can be obtained from the County Court where the case was heard for a fee is £10. You will need to provide the case number of the action. The number and the name of the court are shown on the Register of County Court Judgments, under your name, and on your credit reference file. If the debt was not paid through the court you will be required to provide evidence that the Judgment has been satisfied (paid in full). The court will then issue a Certificate of Satisfaction to you and automatically inform the Registry Trust that the debt has been paid. There is no statutory time limit within which the court must do this.