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IVAs and CCJs

If you’ve received a CCJ or are worried about legal action, you may still have options. Find out how an IVA may include CCJs and, once approved, can help prevent further enforcement or court action on the debts it covers.

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What is a CCJ?

A County Court Judgment (CCJ) can be applied for by any creditor you owe money to. This is a judgment ordering you to repay a particular debt. This judgment can order you to pay the debt in full immediately, or over a period of time. A CCJ is also recorded on your credit file for 6 years from the date it is issued.

Can my CCJ debt be included in my IVA?

A CCJ can usually be included in your IVA.

This means you will not need to worry about paying the CCJ in addition to your IVA.

How does an IVA affect my CCJ?

Once the creditors have accepted your IVA, the creditor with the CCJ cannot take any action against you during the IVA. This means you don’t have to make any payments to the CCJ because your unsecured debt repayments only need to be made through the IVA.

It is possible to stop any CCJs that have been applied for while your IVA is being put into place. This would mean that you won’t be issued with a CCJ. When you are in an IVA, your creditors are also unable to take legal action against you.

Can an IVA protect me from future CCJs?

Yes, an IVA stops all creditors who are part of the arrangement from taking further legal action against you.

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What if I have an Attachment of Earnings in place?

An Attachment of Earnings is when your creditors receive an amount of the money you owe automatically from your wages, when you are paid each month.

If you have an IVA, normally the Attachment of Earning swill be removed. This is because your creditors can only receive repayments from you via your IVA agreement.

Can Charging Orders be included in an IVA?

An IVA cannot include a Charging Order oView Pager overturn it but it can prevent any future Charging Orders being issued against you, by your creditors.

A Charging Order will turn an unsecured debt into a secured one. If a Charging Order is granted before an IVA, an IVA will not be able to overturn the Charging Order.

The amount you pay towards your Charging Order will need to be included in your living expenses budget – which you and your Insolvency Practitioner put together. This ensures it is accounted for and you can continue to pay this whilst you complete your IVA.

Need advice about IVAs and CCJ?

If you require any further advice when it comes to IVAs and CCJs get in touch with a member of our team today who can offer you free impartial advice.
Get debt help online or call us on 0800 316 1833 for a confidential conversation.

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Table of contents

FAQs

What if I become seriously ill?

Please contact us as soon as possible. We know these conversations can feel difficult – but you’re not alone, and our dedicated Vulnerability Team is here to support you with care and practical guidance.

Your Insolvency Practitioner (IP) may speak to your creditors and request early completion of your IVA on compassionate grounds.

What happens if I come into money during my IVA?

If you receive a financial windfall – such as inheritance, compensation or lottery winnings – you’ll usually need to pay all of it into your IVA.

Because your creditors have agreed to write off part of your debt at the end of your IVA, any extra funds must be considered.

If the amount’s large, you may be able to offer an early Full and Final settlement.

If friends or family want to help with a lump sum, creditors may accept it as a settlement offer. It doesn’t have to cover everything you owe, but it must be fair and reasonable.

Can I settle my IVA early?

Yes – you can ask to offer a lump sum as a Full and Final settlement.

  • Your creditors will vote on the offer at a Variation Meeting.
  • Even if accepted, your IVA stays on your credit file for six years from the original start date.
  • It remains on the Insolvency Register for three months after completion or termination.

Early settlement can give flexibility, but you’ll still need to rebuild your credit after it completes.

Can I add debts to my IVA?
Because an IVA is a legally binding agreement, adding new debts can be difficult.

  • Forgotten debts: If a debt was missed at the start, it may still be possible to add it. Sometimes a second Creditors’ Meeting is required if the debt is significant.
  • New debts: If you’ve taken on new borrowing since your IVA began, contact us immediately. We’ll explain your options and what this means for your arrangement.
Can an IVA affect citizenship?
Your IVA will appear on the Insolvency Register, which may be visible during a citizenship assessment. It doesn’t automatically prevent approval – and in many cases, it reflects that you’re actively managing your debts responsibly.

Read more FAQs →

FAQs

What if I become seriously ill?

Please contact us as soon as possible. We know these conversations can feel difficult – but you’re not alone, and our dedicated Vulnerability Team is here to support you with care and practical guidance.

Your Insolvency Practitioner (IP) may speak to your creditors and request early completion of your IVA on compassionate grounds.

What happens if I come into money during my IVA?

If you receive a financial windfall – such as inheritance, compensation or lottery winnings – you’ll usually need to pay all of it into your IVA.

Because your creditors have agreed to write off part of your debt at the end of your IVA, any extra funds must be considered.

If the amount’s large, you may be able to offer an early Full and Final settlement.

If friends or family want to help with a lump sum, creditors may accept it as a settlement offer. It doesn’t have to cover everything you owe, but it must be fair and reasonable.

Can I settle my IVA early?

Yes – you can ask to offer a lump sum as a Full and Final settlement.

  • Your creditors will vote on the offer at a Variation Meeting.
  • Even if accepted, your IVA stays on your credit file for six years from the original start date.
  • It remains on the Insolvency Register for three months after completion or termination.

Early settlement can give flexibility, but you’ll still need to rebuild your credit after it completes.

Can I add debts to my IVA?
Because an IVA is a legally binding agreement, adding new debts can be difficult.

  • Forgotten debts: If a debt was missed at the start, it may still be possible to add it. Sometimes a second Creditors’ Meeting is required if the debt is significant.
  • New debts: If you’ve taken on new borrowing since your IVA began, contact us immediately. We’ll explain your options and what this means for your arrangement.
Can an IVA affect citizenship?
Your IVA will appear on the Insolvency Register, which may be visible during a citizenship assessment. It doesn’t automatically prevent approval – and in many cases, it reflects that you’re actively managing your debts responsibly.

Read more FAQs →

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