The easiest way to check if you have a county court judgment is to contact the creditor and ask them.

If you have lost touch with the creditor or are unsure which creditor may have taken out a CCJ, you can request a copy of your credit file. This will show any judgments that were registered in the last six years. There is a charge of £2 to check.

You can also check with the Registry Trust who store information about all judgments. This will cost £8.

We do not offer debt consolidation as a service, and we will not refer you to any organisations that do.

If you are having difficulties in paying your creditors, there are better solutions to your situation. Please use our online debt counselling service, CCCS Debt Remedy, or call our helpline for further advice.

The following assets would be considered in a DRO application. If the combined value of them is more than £300 you would not qualify.

• Savings/shares
• Vehicles/caravans (although one vehicle up to the value of £1000 will be allowed)
• Collectibles/antiques
• Private/personal pension

Items such as furniture, tools for trade and household equipment will not be considered.

• Student loans will be excluded
• Most court fines will be excluded. You will need to make an arrangement to pay these
• Child maintenance arrears cannot be included. You will need to make an arrangement to pay these

We cannot provide advice when it comes to finding a new mortgage product you should always seek advice with an independent mortgage broker.

If you are in financial difficulty and a re-mortgage may help with your situation, we will be happy to provide you with details of a reputable fee-free mortgage broker after you’ve had an appointment with one of our debt counsellors. To book an appointment, please contact our helpline.