Can an IVA stop a CCJ?

by

Are you trying to learn about an Individual Voluntary Arrangement (IVA) and how it can stop a County Court Judgement (CCJ)? This guide is here to help you.

We know that dealing with debts can be hard, and the IVA process might seem confusing. But don’t worry; you’re not alone. Each month, over 170,000 people visit our site seeking advice on debt problems. 

In this guide, we will explain:

  •  How an IVA can stop a CCJ
  •  How you can get an IVA with a CCJ
  •  If a creditor can cancel a CCJ
  •  The problems a CCJ can cause

Our team is made up of people who have had their own struggles with debt. We know how you feel, and we are here to help.

Can an IVA stop a CCJ?

Getting an IVA approved or being in the IVA application process will stop applicable creditors from applying for a CCJ and chasing you for the debt. Creditors are not allowed to chase you for CCJ enforcement outside of the IVA agreement once approved, which means they cannot apply for a CCJ against you once the IVA is in place. 

Can you get an IVA with a CCJ?

You can still get an IVA if you have an existing CCJ. A CCJ debt should be included in your IVA proposal to show that you treat all creditors equally. If you were to make separate payments on a CCJ outside the IVA, it would be viewed as giving that creditor preference and could cause your IVA proposal to fail. 

When you do move from a CCJ to an IVA, you will make no more CCJ debt repayments. The creditor with the CCJ against you will receive their money via your insolvency practitioner and your single monthly payments. 

Is an IVA better than CCJ?

A CCJ is an escalation of a single unpaid debt, whereas an IVA is a debt solution that puts you on track to repay all your debts with the potential to have some of your debt written off. You should discuss which option is better with a debt adviser. Free debt advice services are available through debt charities. You can find some details below:

OrganisationWebsitePhone number
Stepchangehttp://www.stepchange.org0800 138 1111
National Debtlinehttp://www.nationaldebtline.org0808 808 4000
Citizens Advicehttp://www.citizensadvice.org.ukEngland: 0800 144 8848
Wales: 0800 702 2020

In terms of an IVA and CCJ comparison, while an IVA may hurt credit scores during its duration, successfully completing an IVA can provide an opportunity for a fresh financial start. In contrast, a CCJ can have a severe and long-lasting negative effect on credit scores. However, it is important to understand the impact of an IVA on your credit score.

Can a creditor cancel a CCJ?

Creditors do not cancel CCJs; an IVA agreement will supersede a CCJ. There is a possibility to have your CCJ stopped if you have been issued a CCJ while your IVA application is in motion.

What are the consequences of a CCJ?

You really want to avoid getting a CCJ if you can. The main one of the CCJ implications is that it will have a severe impact on your credit score and make it much more difficult to get any form of credit, whether that’s a credit card or a phone contract. It will stay on your credit file for six years after it has been issued.

408 thoughts on “Can an IVA stop a CCJ?”

  1. You actually make it appear really easy together with your
    presentation but I to find this matter to be really something that I feel
    I might by no means understand. It sort of feels
    too complicated and extremely broad for me. I am looking forward on your subsequent put
    up, I will attempt to get the grasp of it! Escape room lista

  8. The next time I read a blog, I hope that it won’t disappoint me just as much as this one. After all, Yes, it was my choice to read through, however I truly believed you would probably have something interesting to talk about. All I hear is a bunch of moaning about something that you can fix if you weren’t too busy looking for attention.

  10. Can I simply just say what a relief to uncover somebody that actually knows what they’re discussing on the internet. You certainly understand how to bring an issue to light and make it important. More and more people need to look at this and understand this side of the story. I was surprised you are not more popular given that you certainly have the gift.

  13. Your site visitors, especially me appreciate the time and effort you have spent to put this information together. Here is my website UQ6 for something more enlightening posts about Airport Transfer.

  14. After checking out a few of the blog articles on your web page, I truly like your technique of writing a blog. I bookmarked it to my bookmark webpage list and will be checking back soon. Please check out my website too and tell me your opinion.

  19. Having read this I thought it was extremely informative. I appreciate you spending some time and effort to put this informative article together. I once again find myself personally spending a lot of time both reading and leaving comments. But so what, it was still worth it!

  21. Hi, I do think this is an excellent site. I stumbledupon it 😉 I will return yet again since i have saved as a favorite it. Money and freedom is the best way to change, may you be rich and continue to help others.

  26. Nice post. Have you ever thought about how to view private instagram profiles without waiting for approval? Well, with the help of Instalooker you can quickly view private content just by entering a username, with no follow request required. It’s a secure and efficient way to explore private posts and stories. For a more detailed understanding, visit the specified site.

  30. This is the perfect website for anyone who would like to understand this topic. You realize a whole lot its almost hard to argue with you (not that I personally would want to…HaHa). You definitely put a brand new spin on a topic that has been discussed for a long time. Excellent stuff, just excellent.

  32. After looking at a few of the blog posts on your site, I honestly like your technique of writing a blog. I added it to my bookmark site list and will be checking back soon. Please visit my website too and let me know your opinion.

  34. This is the right webpage for everyone who would like to find out about this topic. You understand so much its almost hard to argue with you (not that I really would want to…HaHa). You certainly put a fresh spin on a subject which has been discussed for a long time. Great stuff, just excellent.

  37. This is the perfect blog for anyone who wants to find out about this topic. You realize a whole lot its almost hard to argue with you (not that I actually will need to…HaHa). You definitely put a new spin on a subject that’s been discussed for ages. Great stuff, just great.

  40. This is the right webpage for anyone who wishes to understand this topic. You realize so much its almost tough to argue with you (not that I really will need to…HaHa). You definitely put a brand new spin on a topic that’s been discussed for many years. Great stuff, just wonderful.

  43. This is the right webpage for anybody who wishes to understand this topic. You understand so much its almost tough to argue with you (not that I actually will need to…HaHa). You definitely put a new spin on a subject that has been written about for ages. Wonderful stuff, just excellent.

  45. I truly love your site.. Great colors & theme. Did you create this web site yourself? Please reply back as I’m planning to create my very own website and want to learn where you got this from or just what the theme is named. Thanks!

  51. Hello there! Do you know if they make any plugins to assist with Search Engine Optimization? I’m trying to
    get my site to rank for some targeted keywords but I’m not seeing very good results.
    If you know of any please share. Thank you! You can read similar text here:
    Eco blankets

  52. Hello there! I could have sworn I’ve visited your blog before but after looking at a few of the posts I realized it’s new to me. Regardless, I’m certainly delighted I stumbled upon it and I’ll be book-marking it and checking back regularly.

  54. I really love your site.. Very nice colors & theme. Did you create this website yourself? Please reply back as I’m looking to create my own personal website and would like to know where you got this from or what the theme is called. Kudos.

  62. Good day! Do you know if they make any plugins to help with SEO?
    I’m trying to get my blog to rank for some targeted keywords but I’m not seeing very good results.
    If you know of any please share. Many thanks! You can read similar blog here:
    Warm blankets

  63. When I originally commented I appear to have clicked the -Notify me when new comments are added- checkbox and now each time a comment is added I get 4 emails with the exact same comment. Is there a way you are able to remove me from that service? Thanks.

  66. Howdy! I could have sworn I’ve been to this website before but after browsing through many of the articles I realized it’s new to me. Anyhow, I’m definitely delighted I discovered it and I’ll be bookmarking it and checking back often!

  67. Can I simply say what a relief to uncover somebody who actually understands what they’re talking about on the internet. You certainly realize how to bring a problem to light and make it important. A lot more people ought to read this and understand this side of your story. It’s surprising you aren’t more popular because you most certainly have the gift.

  70. I would like to thank you for the efforts you have put in penning this website. I’m hoping to view the same high-grade blog posts by you later on as well. In truth, your creative writing abilities has motivated me to get my own, personal site now 😉

  72. Having read this I believed it was extremely informative. I appreciate you finding the time and effort to put this information together. I once again find myself spending way too much time both reading and posting comments. But so what, it was still worthwhile.

  79. I must thank you for the efforts you’ve put in penning this website. I am hoping to view the same high-grade content from you in the future as well. In truth, your creative writing abilities has motivated me to get my own blog now 😉

  80. sugar defender reviews Uncovering Sugar Protector has actually
    been a game-changer for me, as I’ve constantly been vigilant regarding managing my
    blood glucose degrees. With this supplement, I really feel empowered
    to organize my health, and my most current clinical check-ups have actually mirrored a considerable turn-around.

    Having a reliable ally in my edge offers me with a sense of security and confidence, and I’m deeply
    happy for the profound difference Sugar Protector has actually made in my health.

  83. I blog often and I truly appreciate your content. This great article has truly peaked my interest. I am going to book mark your website and keep checking for new information about once per week. I subscribed to your RSS feed as well.

  85. Hi! I could have sworn I’ve visited this site before but after going through many of the posts I realized it’s new to me. Anyhow, I’m definitely pleased I came across it and I’ll be book-marking it and checking back frequently!

  86. Daily vaginal lavage was collected from the day following VO and then daily until the end of the study, by repeated pipetting of 0 [url=https://fastpriligy.top/]buy priligy in usa[/url] Some anti nicotinic agents are used for muscle relaxation, such as rocuronium and vecuronium

  88. This is the right web site for anybody who would like to find out about this topic. You realize so much its almost hard to argue with you (not that I actually will need to…HaHa). You definitely put a fresh spin on a topic which has been discussed for many years. Great stuff, just wonderful.

  89. You have made some really good points there. I looked on the web for additional information about the issue and found most people will go along with your views on this web site.

  91. Oh my goodness! Impressive article dude! Thank you so much, However I am experiencing troubles with your RSS. I don’t know the reason why I can’t join it. Is there anybody else getting identical RSS issues? Anyone who knows the solution can you kindly respond? Thanks!

  92. Aw, this was an exceptionally good post. Spending some time and actual effort to make a really good article… but what can I say… I put things off a lot and never seem to get nearly anything done.

  98. I have to thank you for the efforts you have put in writing this site. I really hope to see the same high-grade content from you in the future as well. In truth, your creative writing abilities has motivated me to get my very own site now 😉

  108. Greetings, I think your site could be having internet browser compatibility issues. When I take a look at your website in Safari, it looks fine however, when opening in IE, it’s got some overlapping issues. I simply wanted to provide you with a quick heads up! Other than that, great blog.

  110. Howdy! This blog post could not be written any better! Looking at this post reminds me of my previous roommate! He constantly kept preaching about this. I’ll forward this post to him. Pretty sure he will have a good read. Many thanks for sharing!

  112. Good day! I could have sworn I’ve been to this blog before but after going through a few of the posts I realized it’s new to me. Nonetheless, I’m definitely delighted I found it and I’ll be book-marking it and checking back often!

  113. Having read this I thought it was very informative. I appreciate you taking the time and energy to put this informative article together. I once again find myself personally spending a lot of time both reading and commenting. But so what, it was still worth it.

  119. hi88 là nhà cái casino trực tuyến nổi tiếng nhiều năm qua trên thị trường cá cược tại Việt Nam. Đến với Hi88 người chơi sẽ được trãi nghiệm các trò chơi đổi thưởng hoàn toàn miễn phí.

  123. I blog frequently and I seriously thank you for your content. This great article has really peaked my interest. I will book mark your website and keep checking for new details about once per week. I subscribed to your Feed too.

  130. Having read this I thought it was very informative. I appreciate you finding the time and energy to put this content together. I once again find myself personally spending way too much time both reading and posting comments. But so what, it was still worth it.

  137. I blog often and I seriously appreciate your information. This article has truly peaked my interest. I will bookmark your website and keep checking for new information about once per week. I subscribed to your Feed as well.

  139. Howdy, I believe your website could be having internet browser compatibility issues. When I take a look at your site in Safari, it looks fine however, when opening in I.E., it has some overlapping issues. I merely wanted to give you a quick heads up! Other than that, excellent website.

  142. Having read this I thought it was rather enlightening. I appreciate you finding the time and energy to put this information together. I once again find myself spending a lot of time both reading and commenting. But so what, it was still worth it.

  143. An intriguing discussion is definitely worth comment. I do think that you ought to publish more about this subject, it might not be a taboo subject but typically folks don’t speak about these issues. To the next! Best wishes!

  146. Trực tiếp đá gà luôn là điểm đến lý tưởng của nhiều dân chơi cá cược chính hiệu trong suốt thời gian qua. Tại đây bạn không chỉ thưởng thức bầu không khí náo nhiệt từ hàng ngàn trận đá gà đỉnh cao mà còn có thể mang về cho mình khoản lời rất lớn https://tructiepdaga.tips/

  154. After I originally commented I seem to have clicked on the -Notify me when new comments are added- checkbox and now every time a comment is added I recieve 4 emails with the same comment. There has to be an easy method you can remove me from that service? Appreciate it.

  156. May I simply say what a relief to uncover someone who genuinely knows what they’re talking about on the web. You definitely know how to bring an issue to light and make it important. A lot more people need to read this and understand this side of your story. I can’t believe you are not more popular since you certainly possess the gift.

  158. Right here is the perfect site for anybody who hopes to understand this topic. You understand a whole lot its almost tough to argue with you (not that I personally would want to…HaHa). You certainly put a new spin on a subject that’s been discussed for ages. Wonderful stuff, just wonderful.

  161. I have to thank you for the efforts you’ve put in penning this website. I really hope to check out the same high-grade content from you in the future as well. In truth, your creative writing abilities has inspired me to get my own blog now 😉

  169. This is a very good tip especially to those new to the blogosphere. Brief but very precise information… Appreciate your sharing this one. A must read post!

  170. You’re so interesting! I do not think I’ve truly read through anything like that before. So good to discover somebody with a few genuine thoughts on this subject matter. Really.. thank you for starting this up. This website is one thing that’s needed on the web, someone with some originality.

  176. Ku11 hay KUBET11 hiện tại là một nhà cái đáng tin cậy nên có lượng thành viên đông đảo. Với nhiều trò chơi hấp dẫn và cơ hội thắng lớn, nhà cái đã thu hút được sự quan tâm của rất nhiều người chơi. Nếu quan tâm đến đơn vị này, bạn hãy cùng tìm hiểu thêm về nhà cái và cách truy cập trang chủ Ku11 không bị chặn trên Mobile. https://ku11.works/

  177. 789win là một nhà cái uy tín và chuyên nghiệp, mang đến trải nghiệm giải trí đỉnh cao trong lĩnh vực cá cược và game trực tuyến. Với giao diện thân thiện, dễ sử dụng cùng kho trò chơi đa dạng từ thể thao, casino, đến xổ số và game bài, 789win thu hút người chơi bởi sự minh bạch và công nghệ hiện đại. Được cấp phép hoạt động hợp pháp, nhà cái cam kết bảo mật thông tin, giao dịch an toàn và hỗ trợ khách hàng tận tình 24/7, mang đến sân chơi đáng tin cậy và công bằng cho mọi thành viên.https://6789win.life/

  178. Xin88 – https://xin88.fashion/ là một nhà cái trực tuyến hàng đầu, chuyên cung cấp các dịch vụ giải trí cá cược đa dạng như thể thao, casino, game bài, và xổ số. Với giao diện hiện đại, dễ sử dụng cùng hệ thống bảo mật tiên tiến, Xin88 cam kết mang đến trải nghiệm giải trí chất lượng cao và an toàn cho người chơi. Ngoài ra, nhà cái này còn nổi bật với chính sách khuyến mãi hấp dẫn, dịch vụ hỗ trợ khách hàng 24/7, đảm bảo đáp ứng mọi nhu cầu và đem lại sự hài lòng tối đa.

  179. May I simply just say what a relief to find an individual who actually knows what they’re talking about on the internet. You actually realize how to bring a problem to light and make it important. A lot more people need to check this out and understand this side of the story. I was surprised you are not more popular since you most certainly have the gift.

  182. Hi there! I simply wish to give you a huge thumbs up for your excellent information you have right here on this post. I’ll be coming back to your site for more soon.

  188. Aw, this was a very nice post. Taking the time and actual effort to make a really good article… but what can I say… I put things off a lot and never seem to get anything done.

  190. Các sản phẩm tại nhà cái FABET thu hút nhiều thành viên tham gia bởi chương trình khuyến mãi HOT cho cược thủ. Anh em không thể từ chối khi đăng ký FABET và trở thành thành viên VIP tại đây.

  210. When I originally left a comment I seem to have clicked the -Notify me when new comments are added- checkbox and now each time a comment is added I receive four emails with the same comment. Is there an easy method you are able to remove me from that service? Appreciate it.

  211. VN88 là một nhà cái uy tín tại Việt Nam, cung cấp đa dạng các trò chơi cá cược thể thao, casino trực tuyến, và các trò chơi giải trí khác. Truy cập ngay tại yoyogoods.com để khám phá những ưu đãi hấp dẫn từ VN88.

  213. Hello88 là một nhà cái trực tuyến nổi bật với tên miền hello88.domains, cung cấp dịch vụ cá cược đa dạng và hấp dẫn. Với giao diện dễ sử dụng, Hello88 thu hút người chơi với các trò chơi casino, thể thao và xổ số, mang đến trải nghiệm giải trí tuyệt vời.

  214. Howdy! I could have sworn I’ve visited your blog before but after browsing through many of the posts I realized it’s new to me. Anyhow, I’m certainly delighted I discovered it and I’ll be bookmarking it and checking back regularly!

  217. I must thank you for the efforts you have put in penning this blog. I’m hoping to check out the same high-grade content from you later on as well. In fact, your creative writing abilities has encouraged me to get my own, personal website now 😉

  228. After going over a handful of the blog posts on your blog, I really appreciate your technique of writing a blog. I book marked it to my bookmark website list and will be checking back soon. Take a look at my website as well and let me know what you think.

  233. Having read this I believed it was really enlightening. I appreciate you taking the time and energy to put this short article together. I once again find myself personally spending a significant amount of time both reading and commenting. But so what, it was still worthwhile!

  234. Right here is the perfect site for anyone who wishes to understand this topic. You understand a whole lot its almost tough to argue with you (not that I really will need to…HaHa). You definitely put a brand new spin on a subject that has been written about for ages. Excellent stuff, just wonderful.

  240. Hi there! This blog post couldn’t be written any better! Looking through this article reminds me of my previous roommate! He constantly kept preaching about this. I am going to send this article to him. Fairly certain he will have a great read. Thanks for sharing!

  241. Hello there! This post could not be written any better! Reading through this post reminds me of my previous roommate! He always kept preaching about this. I’ll forward this post to him. Pretty sure he will have a very good read. Thanks for sharing!

  242. After looking at a handful of the articles on your web site, I really like your technique of writing a blog. I bookmarked it to my bookmark website list and will be checking back in the near future. Please visit my web site too and let me know your opinion.

  243. The next time I read a blog, I hope that it won’t disappoint me just as much as this particular one. I mean, Yes, it was my choice to read through, but I truly believed you would have something helpful to say. All I hear is a bunch of crying about something you can fix if you were not too busy seeking attention.

  264. Having read this I thought it was rather enlightening. I appreciate you finding the time and energy to put this article together. I once again find myself spending way too much time both reading and leaving comments. But so what, it was still worthwhile!

  265. I was pretty pleased to discover this site. I want to to thank you for your time for this particularly wonderful read!! I definitely enjoyed every little bit of it and I have you book-marked to check out new things in your site.

  266. May I simply say what a comfort to find somebody that actually understands what they’re talking about on the net. You certainly know how to bring a problem to light and make it important. More people have to check this out and understand this side of your story. It’s surprising you aren’t more popular given that you certainly have the gift.

  268. Esta página tem definitivamente toda a informação que eu queria sobre este assunto e não sabia a quem perguntar. Este é o meu primeiro comentário aqui, então eu só queria dar um rápido

  272. A motivating discussion is worth comment. I think that you need to publish more about this subject, it might not be a taboo matter but typically folks don’t speak about these topics. To the next! Kind regards.

  274. Good day! I could have sworn I’ve visited your blog before but after going through many of the posts I realized it’s new to me. Anyways, I’m certainly happy I stumbled upon it and I’ll be bookmarking it and checking back frequently.

  278. THABET – thabet vina hỗ trợ người chơi tạo tài khoản nhanh chóng, sử dụng lâu dài. Cung cấp sảnh cá cược đa dạng, bao gồm bóng đá, live casino và soi cầu lô, mang đến trải nghiệm phong phú, an toàn và tiện lợi.
    Link: https://thabetvina.com/

  279. After looking into a number of the articles on your site, I really like your way of writing a blog. I bookmarked it to my bookmark website list and will be checking back in the near future. Please visit my website too and let me know what you think.

  282. Aw, this was an extremely nice post. Taking a few minutes and actual effort to create a superb article… but what can I say… I hesitate a whole lot and don’t manage to get nearly anything done.

  285. An Individual Voluntary Arrangement (IVA) can help manage debts and may prevent further enforcement of a County Court Judgment (CCJ). Just like an IVA resolves financial issues systematically our best portait digitizing services transform intricate images into flawless embroidery designs ensuring every detail is preserved with precision and care.

  287. This is a great tip particularly to those fresh to the blogosphere. Simple but very precise information… Appreciate your sharing this one. A must read post.

  306. Howdy! I could have sworn I’ve been to this web site before but after looking at some of the articles I realized it’s new to me. Nonetheless, I’m certainly pleased I came across it and I’ll be bookmarking it and checking back often.

  329. May I simply say what a relief to uncover an individual who actually knows what they are discussing on the web. You actually know how to bring a problem to light and make it important. More people have to look at this and understand this side of the story. I was surprised you’re not more popular because you certainly possess the gift.

  348. I blog quite often and I really appreciate your content. Your article has really peaked my interest. I am going to take a note of your blog and keep checking for new information about once per week. I subscribed to your Feed as well.

  349. Oh my goodness! Impressive article dude! Many thanks, However I am going through issues with your RSS. I don’t understand why I can’t subscribe to it. Is there anybody having identical RSS issues? Anyone that knows the solution can you kindly respond? Thanks!

  365. QQ88.works là một nền tảng trực tuyến chuyên cung cấp các dịch vụ giải trí, cá cược thể thao, sòng bài trực tuyến và trò chơi slot. Thiết kế giao diện thân thiện, dễ sử dụng mang đến trải nghiệm tuyệt vời cho người dùng.

  378. This is the right website for everyone who wants to understand this topic. You understand a whole lot its almost tough to argue with you (not that I actually will need to…HaHa). You definitely put a brand new spin on a subject that’s been written about for many years. Wonderful stuff, just wonderful.

  379. Everything is very open with a very clear explanation of the issues. It was truly informative. Your website is extremely helpful. Thanks for sharing!

  407. I blog often and I really appreciate your information. This great article has really peaked my interest. I’m going to take a note of your blog and keep checking for new information about once a week. I subscribed to your RSS feed too.

Leave a Comment