For Debtors

Defending CCJ, set-aside, Breathing Space, IVA / DRO / bankruptcy, bailiffs, and statute-barred debts.

Reviewed 2026-05-22

Common Problems

CCJ I want to set aside

Bailiffs at the door

Breathing Space eligibility

Statutory demand received

Debt is statute-barred?

Key Legal Topics

Debt Enforcement Law

The legal framework for enforcing civil court judgments and managing unmanageable debt, including bailiff powers, charging orders, attachment of earnings, and insolvency options.

Insolvency & Restructuring Law

Corporate and personal insolvency, administration, liquidation, CVAs, bankruptcy, and IVAs.

Letter Templates

CCJ Set-Aside Witness Statement

Outline witness statement supporting an application to set aside a default County Court Judgment under CPR 13.

Legal Tools & Calculators

Debt Limitation Checker

Check whether a debt is likely to be statute-barred under the Limitation Act 1980, based on the type of debt and the date of last payment or acknowledgement.

Breathing Space Eligibility Checker

Check whether you qualify for Standard 60-day Breathing Space or Mental Health Breathing Space under the Debt Respite Scheme (Breathing Space) (England and Wales) Regulations 2020.

CCJ Set-Aside Eligibility Checker

A decision-tree tool to assess whether you are likely to be eligible to apply to set aside a County Court Judgment (CCJ) entered in default under CPR Part 13.

Common Scenarios

What Happens If Bailiffs Come to Your Home?

Bailiffs (civil enforcement agents) can attend your home to collect debts or enforce court orders. You have important rights about what they can and cannot do.

Debt

When to Get Legal Advice

Free, regulated debt advice: StepChange, National Debtline, Citizens Advice. For Individual Voluntary Arrangements (IVAs) and bankruptcy, take advice before signing — these have long-term credit consequences.