An enforcement officer from the Enforcement of Judgments Office (EJO) may interview you or a summons may be issued for you to attend a hearing.

The hearing will be formal and you are allowed to bring a solicitor, advice worker or similar. You will be asked to bring proof of income and details of your debts and expenses.

Hearings take place in several locations and it is very important you attend as an arrest warrant can be issued if you do not.

As well as the creditor, the judgment will be recorded on your file with credit reference agencies for six years.

It will also appear on the Public Register of Debtors for six years. This is public information which may be checked by anyone contacting the Enforcement of Judgments Office.

If you have a money judgment, you should contact the creditor to make payment.

If a ‘Notice of Intention to Enforce a Money Judgment’ has been issued, you should still contact the creditor.

If a ‘Custody Warrant’ has been issued, all further payments should be made to the Enforcement of Judgments Office , making cheques or postal orders payable to ‘EJO’.