This is mainly for the moneylender if the debtor is unable to make the payment. The one who owed money can take court action. You have to ask the court to collect payment from the debtor in order to get CCJ on that person. You can get CCJ on someone whether the debtor is an individual or a business owner. National Debt Lines is a free service set up by the Government to help people make the most of their money. It won’t be a good option for you. You must reply to the claim, and if you are facing any problem regarding the claim you can go to court. If you want more information on how long is a CCJ enforceable, then you can continue your research.

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