21 Jun There’s a Judgement Debt Against Me, Now What?
Many people find themselves in a situation where there is a judgement debt against them without their knowledge. A judgement debt is an enforceable Court order, and can affect your credit rating. It might be the case that you did not receive the original claim in the post, and therefore were unaware of the proceedings, or it might be the case that you have a reasonable excuse for not having complied with the timeframes or procedures, and have an arguable case against the judgement debt. If you are aware of a judgement debt that has been made against you, it is very important to act urgently and seek legal advice. You may be able to apply to set aside a default judgement if you can prove the following: You have an arguable case on the merits; andYou have a reasonable excuse for not having complied with the rules with respect to filing a defence within the 21 day time limit. A reasonable excuse must be one which illustrates why you could not or did not file your defence on time. There may be many reasons for this, such as not receiving the claim, moving address, are on holiday, an error with respect to the address for service, the claim being posted to a company, agent, or accountant, or otherwise...
