When a person is unable to pay his creditors, a civil case can be brought to the County Court in England and Wales, or the Sheriff Court in Scotland. The court can make a judgment (or a decree in Scotland) against the debtor that then remains in force until such a time as the debt is paid.
Everything You Need To Know About CCJ Loans
A County Court Judgment or CCJ are court judgments for money. They are registered with the Register of County Court Judgments and do effect a persons credit.