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The following article was published in our article directory on December 5, 2009.
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How To Evade Getting A CCJ Because Of Arrears?

Article Category: Finances

Getting a County Court Judgment (CCJ) is the un pleasing dream of any nonpayer. If you have received a CCJ, it means that you are condemned for life. A CCJ is issued by a court order through a country court judge.

Once a defaulter gets a CCJ, he has no other option but to comply with the terms dictated by the court order. In most cases, a six-year required is applied to the nonpayer and he has to repay the arrears as per these terms. Additionally, no company will extend any arrears during that six year period.

These definitely mean increased troubles for the defaulter. The implementation of CCJ is carried out through a set of bailiffs that visit the home and properties of the nonpayer and confiscate the assets to finance some repayment of liabilities. Nevertheless, there is a option if you have failed to repay the arrears payments. CCJ in itself is not a very bad deal, as it freezes the interest rate and schedules a fixed repayment – whether monthly or quarterly. If a nonpayer fails to comply with these terms then the the system initiate a stern action.

The best way is to shun even a CCJ arrangement. Despite some of its virtues, a CCJ means that you have entered into a total financial mess and need a government involvement to get out of it. CCJ can be easily evaded if you follow the following guidelines.

• The outstanding way of evading a CCJ is through a well-managed liability agreement. If you are paying your dues on time and meeting with all the clauses and rules set in the agreement, there will be no chances of a CCJ.

• Individual Voluntary Agreement (IVA) is another option by which you can evade a CCJ. IVAs are entered between the nonpayers and the creditors where both parties agree on a repayment plan. Under this arrangement, the creditor abstains from some arrears and also adjusts or even freezes the interest rates. This way, a nonpayer can easily repay the loan. In many cases, an extension of the liability agreement is granted as well to help in a smooth repayment of loans.

• liability management companies help the troubled nonpayers to repay their loans in a noble fashion. They help arranging IVAs with the nonpayers and the creditors and assures the return of loans on part of the nonpayer. If you are facing troubles regarding the repayment of your loans, you can contact a liability management company with good reputation. Nevertheless, there is one thing to remember. Never have relations with a arrears management company that has questionable working. IVAs and other arrangements can only work better if carried out under established and sound contracts.

• If all these precautions have failed, you will have no other alternative but to enter into a CCJ. There is no need to worry, as the CCJ agreement might be able to solve all your liabilities problems.

Keywords: debt management, debt consolidation, debt help, debt consolidation,

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