Legal Insights
Our solicitors regularly share practical updates, guidance, and commentary on their specialist areas of law.
From changes in legislation to tips on managing legal challenges, these articles are written to help you stay informed and make confident decisions.
The Debt Recovery Process: Step 8 – Charging Order and Order for Sale
If a debtor refuses to pay despite a County Court Judgment (CCJ), and they own property, a Charging Order is an effective way to secure your debt. This ensures that when the property is sold, you receive payment before the debtor gets any proceeds. In some cases, you...
The Debt Recovery Process: Step 7 – Writ of Control and HCEOs
If a debtor refuses to pay after a County Court Judgment (CCJ) has been issued and the debt is over £600.00, High Court Enforcement Officers (HCEO) can be instructed by applying for a Writ of Control - this allows the HCEO to seize the debtor’s assets to recover the...
The Debt Recovery Process: Step 6 – Warrant of Control: Sending Bailiffs to Recover a Debt
If a debtor refuses to pay after a County Court Judgment (CCJ) has been issued and the debt is under £600.00, bailiffs can be instructed by applying for a Warrant of Control. This allows County Court Bailiffs to seize the debtor’s assets to recover the debt. At...
The Debt Recovery Process: Step 5 – Enforcing a County Court Judgment
Obtaining a County Court Judgment (CCJ) against a debtor is an important legal step, but unfortunately, it does not always mean that the debtor will voluntarily pay the amount owed. If they fail to comply with the judgment, you will need to take enforcement action to...
The Debt Recovery Process: Step 4 – Default Judgment & The Debtor’s Response
Once you have issued a County Court Claim, the debtor must respond within 14 days. If they fail to do so, you can apply for a Default Judgment, which legally confirms that they owe the money. What is a Default Judgment? A default judgment is a court order stating that...
The Debt Recovery Process: Step 3 – Issuing a County Court Claim
If your debtor has ignored your Letter Before Action (LBA) or refused to pay, the next step in the debt recovery process is to issue a County Court Claim. This is a formal legal process where you ask the court to order the debtor to pay what they owe. At Talbots Law,...
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