This Commons briefing paper provides an overview of the different types of debt enforcement methods available to a judgment creditor.Jump to full report >>
Creditors can begin proceedings in court to recover payment of an unsecured money debt. If a creditor is successful and obtains judgment in their favour, the next step is to enforce the judgment. The court will not enforce a judgment order unless it is specifically asked to do so. In civil enforcement proceedings in the county court, the judgment is referred to as a CCJ; the person who owes money is known as the 'judgment debtor'; and the person who seeks payment is known as the 'judgment creditor'.
There are various debt enforcement methods open to a judgment creditor. Each method has its own particular strengths and weaknesses. The right method of civil debt enforcement will depend in large part on what assets the judgment debtor owns and his/her income. The main debt enforcement methods are as follows:
This briefing paper provides a summary of the different types of debt enforcement methods that could be considered by a judgment creditor.
Commons Briefing papers SN05746
Author: Lorraine Conway
Topic: Civil law