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DRO & CCJ

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<h1>Can a CCJ be included in a debt relief order?</h1>
A <a href="https://www.moneywellness.com/debt-advice/debt-collection/ccj" rel="follow">county court judgment (CCJ)</a> can be included in a <a href="https://www.moneywellness.com/dro" rel="follow">debt relief order (DRO)</a> in most cases, providing it meets certain criteria.

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For a CCJ to be included in a DRO, the CCJ must be from a non-priority debt. These include:
<ul>
<li>store cards</li>
<li>credit cards</li>
<li>overdrafts</li>
<li>water bill arrears</li>
<li>buy now pay later</li>
<li>hire purchase agreements for non-essential items, such as a TV</li>
<li>catalogues</li>
<li>unsecured loans&nbsp;&nbsp;</li>
</ul>
In most cases, CCJs are only issued for <a href="https://www.moneywellness.com/guide/what-are-priority-and-non-priority-debts" rel="follow">non-priority debts</a>, so this isn&rsquo;t likely to be a stumbling block.
If you aren&rsquo;t sure if your CCJ is for a non-priority debt, you can ask the court that issued your judgment who requested it. You&rsquo;ll need your case number, which you'll find on your CCJ claim form.
To be able to get a DRO in the first place, you must also meet all the usual <a href="https://www.moneywellness.com/debt-solutions/dro/eligibility-criteria" rel="follow">DRO criteria</a>. One of the criteria for a DRO states that you can&rsquo;t owe more than &pound;50,000.

<h3>What happens to my CCJ if I get a DRO?</h3>
You can&rsquo;t be taken to court for a CCJ if you get a DRO.
Creditors can&rsquo;t take further action against you unless your circumstances change and you&rsquo;re no longer eligible. If your circumstances don&rsquo;t change after 12 months, your debts are written off and the CCJ will no longer apply.
Both a DRO and CCJ remain on your credit file for six years. It may be difficult to borrow money during this time.

<h2>When can a CCJ be included in a DRO?</h2>

Or learn how Money Wellness can help with <a href="https://www.moneywellness.com/debt-advice" rel="follow">free debt advice</a>.
All our debt advice is free. Some solutions are free. For others, there&rsquo;s a fee.

<h3>Considering a DRO? [exclaim--orange]Get [underline-3--primary80]free[/underline-3--primary80] debt advice today[/exclaim--orange]</h3>

When can’t a CCJ be included in a DRO?

You can&rsquo;t include a CCJ in a DRO if the debt doesn&rsquo;t meet the DRO eligibility. You can&rsquo;t owe more than &pound;50,000.
In addition to this, the CCJ can&rsquo;t be from a non-qualifying debt. These include:
<ul>
<li>criminal fines&nbsp;</li>
<li>student loans</li>
<li>TV licence arrears</li>
<li>social fund loans</li>
<li>damages for personal injury ordered by the court</li>
<li>child maintenance service arrears</li>
</ul>
If you have a CCJ and want to check if you&rsquo;re eligible for a DRO, get in touch with us and one of our advisers will be happy to help.&nbsp;

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<h1>DRO (Debt relief order)</h1>

A debt relief order (DRO) allows you to freeze your debts for 12 months. If your circumstances haven&rsquo;t changed after this time, your debts will be written off.

Most asked questions

What is a debt relief order?

A debt relief order (DRO) is a way to deal with your debts if:
<ul>
<li>you owe &pound;50,000 or less</li>
<li>you&rsquo;re not a homeowner</li>
<li>you don&rsquo;t own other things of value</li>
<li>you have very little spare money at the end of the month.</li>
</ul>
A DRO lasts for 12 months. If your situation doesn&rsquo;t improve during that time, your debts are written off.
During your debt relief order creditors aren&rsquo;t allowed to chase you to pay. If it&rsquo;s the right option for you, we&rsquo;ll make an application to the Insolvency Service on your behalf.

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If we are unable to help you with all of your debts, or for further information and support to help you with your money troubles, please visit <a href="https://www.moneyhelper.org.uk/en/money-troubles/dealing-with-debt/use-our-debt-advice-locator" rel="follow">MoneyHelper</a>.

Is a DRO right for me?

If all of the following statements are true, you may well be able to get a debt relief order:

DRO benefits & things to consider

There&rsquo;s a lot to think about when you&rsquo;re considering a DRO. To help you decide if a DRO is right for you, we&rsquo;ve outlined the main benefits and things to bear in mind:

&ldquo;The people on the phone were so friendly, there was no judgement. It was just let's help you. The process was just so easy, I knew that I had an end in sight.&rdquo;

How it helps: 

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<h2>Why others love us</h2>
Our expert debt advisors have helped thousands of people in a similar situation to you.

FAQs

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<h2 style="text-align: center;">But don&rsquo;t take[underline-3--primary60] our [/underline-3--primary60]word for it...</h2>

Learn more about DROs

There&rsquo;s a lot to think about when you&rsquo;re considering a debt relief order and you&rsquo;ll probably have a lot of questions. We&rsquo;ve put together some guides that we hope will answer those questions. If you can&rsquo;t find the information you&rsquo;re looking for, get in touch and we&rsquo;ll be happy to help. 
<a href="https://www.moneywellness.com/guide/dro/how-does-it-work" rel="follow" style="color: #0f64f8;">What is a DRO &amp; how does it work?</a>
<a href="https://www.moneywellness.com/guide/dro/how-long-does-the-process-take" rel="follow" style="color: #0f64f8;">How long does the DRO process take?</a>
<a href="https://www.moneywellness.com/guide/dro/application-process" rel="follow" style="color: #0f64f8;">DRO application process</a>
<a href="https://www.moneywellness.com/guide/dro/credit-file" rel="follow" style="color: #0f64f8;">How a DRO will affect your credit file</a>
<a href="https://www.moneywellness.com/guide/dro/life-after-a-dro" rel="follow" style="color: #0f64f8;">Life after a DRO</a>
<a href="https://www.moneywellness.com/guide/dro/how-long-does-dro-last" rel="follow" style="color: #0f64f8;">How long does a DRO last?</a>
<a href="https://www.moneywellness.com/guide/dro/bailiffs" rel="follow" style="color: #0f64f8;">Will a DRO stop the bailiffs?</a>
<a rel="follow"></a><a href="https://www.moneywellness.com/debt-solutions/debt-relief-order/eligibility-criteria" rel="follow">DRO eligibility</a>
<a href="https://www.moneywellness.com/debt-solutions/debt-relief-order/dro-register" rel="follow">DRO register</a>
<a href="https://www.moneywellness.com/debt-solutions/debt-relief-order/relationships" rel="follow">Will a DRO affect my partner?</a>
<a href="https://www.moneywellness.com/debt-solutions/debt-relief-order/council-tax-dro" rel="follow">DRO &amp; council tax</a>
<a href="https://www.moneywellness.com/debt-solutions/debt-relief-order/rejected" rel="follow">DRO rejected</a>
<a href="https://www.moneywellness.com/debt-solutions/debt-relief-order/ccj-and-dro" rel="follow">DRO &amp; CCJ</a>
<a href="https://www.moneywellness.com/debt-solutions/debt-relief-order/dro-and-rent-arrears" rel="follow">DRO &amp; rent</a>
<a href="https://www.moneywellness.com/debt-solutions/debt-relief-order/revoked" rel="follow">DRO revoked</a>

A wide range of debt solutions  and services

It may be that a debt relief order isn&rsquo;t quite right for you and another debt solution is more suitable. We&rsquo;ll make sure we recommend the one that&rsquo;s best for your individual circumstances and your long-term financial wellbeing.
You can find more information below on alternatives to a DRO.

Can a CCJ be included in a debt relief order?

When can a CCJ be included in a DRO?

What happens to my CCJ if I get a DRO?

Considering a DRO? Get free debt advice today

When can’t a CCJ be included in a DRO?

Money Wellness blogs