[citation needed] If the debtor does not make payment in response to a CCJ, the creditor may apply for a charging order, which would secure the debt on a property.
Creditors can also apply for an attachment of earnings which would oblige the debtor's employer to deduct monies from their salary and send them to the court.
[3] When a person applies for credit or finance, potential creditors normally check CRA records, refusing applicants considered to have a bad credit history; a CCJ on record makes it much more difficult to obtain finance through the normal channels.
[8] Some lenders will lend to people with CCJs against them, but usually on unfavourable terms, e.g. through a very expensive payday loan.
The record of a CCJ which is satisfied within one month can be removed altogether on application to the Register (and hence the CRAs).