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Getting a County Court Judgement or CCJ issued against you will have a extreme impact on your credit rating, as it signifies that you have had severe troubles paying back a loan or other type of credit, to the extent exactly where your creditor has had to take court action against you to try and recover the debt. If you get into arrears and fail to come to a repayment agreement, your creditor might make a decision that pursuing a CCJ is the only choice. The 1st you are going to hear about it is when you receive a 'Claim Form' through the post, sent to you by the county court. This form will set out the information of the claim, including who the creditor is and how a lot they say you owe them. If you have been unaware of the debt, for instance if you'd moved house and lost make contact with with the creditor, then repaying the complete debt now will stop proceedings going any further. If nevertheless you cannot clear the debt, then you need to fill out an 'Admissions Form' which will also have been sent to you. This kind asks for details about your revenue and expenses, which the court will take into account when hearing your case. The Admissions Kind need to be returned inside 16 days of the postmark it holds, though if you intend to dispute or defend the claim then you can apply to have the hearing delayed an additional 14 days in order to prepare your defence. As soon as you've filled in these types and returned them to the court, there will be a easy hearing carried out in private. You do not have to attend the hearing so long as you have totally filled in the essential forms, or unless you want to dispute elements of the claim. At the hearing, the court will objectively review the claim and the information you have provided, and come to a decision about the amount of income (if any) you owe, and how it ought to be repaid. It's crucial to note that no one is getting discovered 'guilty' or 'innocent' right here, the court is simply trying to pretty resolve a civil economic dispute. If the choice upholds the claim against you, then the court order or CCJ is issued. Even at this stage you can cease the damage to your credit record, as you'll have a single month from the date of the court hearing to repay the debt in complete to quit the CCJ becoming place on record. Right after a month, the CCJ will be entered on to the Register of County Court Judgements, and from there it will make its way onto your credit files held by the numerous credit reference agencies. The presence of a single or a lot more CCJs on your credit file will successfully close off most types of finance to you, as most lenders will be quite reluctant to advance credit to individuals in these circumstances. As soon as, nevertheless, you've cleared the debt, then the judgement will be marked as 'satisfied', and even though this will not eliminate it from your record it is a lot less damaging to your credit worthiness than an uncleared CCJ. If you have a CCJ on your record, you may well be tempted by businesses promising to get rid of it and clean up your rating. However, this is only feasible in a handful of instances. At times, the CCJ is entered on to your record by mistake even even though you cleared the debt inside the a single month time limit. If this has occurred then you have the right to have it removed from your records. The only other methods to have a CCJ removed is to show that there was anything incorrect with the way in which the judgement was awarded. If, for instance, you didn't acquire the initial Claim Type, and you were unaware of the proceedings, then you did not have the opportunity to defend yourself and so the judgement is invalid. In these situations, you can apply to the court to 'set aside' the judgement and it will be removed from your file, with the whole approach starting again with a new claim and hearing. Any try to obtain a 'set aside' with out a reasonable argument could be seen as wasting the court's time, with all the legal penalties that would entail. If you obtain a Claim Form through the post, it is crucial not to panic. To research more, we recommend you glance at:  [http://www.carolinatraffictickets.com/york-county/ york county sc traffic court] . Even though a CCJ against your name is damaging to your credit rating, it is not a criminal matter and won't lead to additional action such as repossession of your home or bankruptcy. The CCJ procedure is there so that the court can assist to resolve your debt in a way that is fair to each you and your creditor.