After a CCJ, if the debt is unpaid, a creditor can apply for a charging order against a property you own. The court first grants an Interim Charging Order and sets a date for the final hearing.
At the final hearing you can argue against making the order final — often based on affordability, other creditors, or hardship. A charging order doesn't force a sale, but it means the debt (plus interest) has to be paid when the property is sold or refinanced.
Separately, a creditor can apply for an order for sale — a much harder application to win, especially for small debts and where children live in the home. Free debt help can help you resist an order for sale and negotiate a manageable payment plan.
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