Once the court has looked at all the paperwork, they can issue:
- a judgment by instalments, where you pay the debt off over time, or
- a judgment forthwith, where the whole amount you owe is due immediately.
It's a good idea to go to court as it might give you a chance to tell your side and agree a suitable repayment if judgement is made against them. But it's not compulsory.
If you’ve admitted the claim and made a monthly offer of payment, it’s likely that you’ll receive a judgment by instalments.
The monthly repayment rate will be set by the court using the information you provided in your admission form.
If you don’t respond to the claim and the court can’t take your circumstances into account, they’ll still enter a judgment against you.
This is called a judgment in default and might be a judgment by instalments or a judgment forthwith.
In both cases, you can ask the court to look at this again if the repayments are more than you can reasonably afford. This is called a redetermination.
The CCJ process has different rules depending on whether you’ve met certain timescales.