FAQ

County Court Summons Help

Many people panic when they receive a County Court Summons, but it is important to remember that the court doesn’t just act on behalf of the creditor. It is there to find a solution relating to an outstanding debt and will therefore take account of your circumstances.

However, it is important not to ignore a County Court Summons. The sooner you reply, the better, so that you can avoid further consequences. When you receive a County Court Summons you will also receive an admission form and a defence form and you will have to complete and return one of these forms within the 16 day deadline.

With an admission form you can make an offer of payment and you will be asked for details of your income and expenditure in support of your offer. The whole procedure can be dealt with post so you don’t have to worry about appearing in court. The court will then decide whether your offer will be accepted or not.

When you are placed on a Debt Management Plan or other repayment scheme the company administering the scheme will help you to work out a monthly budget. This helps to determine how much disposable income you have left for the repayment of debts once you have met your living expenses and paid off any priority debts. This budget can be used to present to the Court so that they can see how much you can afford to pay.

Give us 5 minutes and we'll give you:

  • Advice on all debt solutions that you may apply for
  • If your debt can be written off
  • Explain any interest or charges that can be frozen
  • Honest, no obligation advice

Some solutions, such as a Debt Management Plan or an Individual Voluntary Arrangement involve costs when the plan is set up.  These costs are there to cover the expenses and work undertaken on your behalf.  You will always be told clearly about any costs upfront.  Other solutions, such as a Bankruptcy incur costs which are payable to the Court; Debt Relief Orders incur costs which are payable to the Insolvency service.

Debt Direct is a trading name of Tatstar Limited. Tatstar holds a consumer credit license to offer debt counseling. Your enquiry will be passed to a selected third party who will contact you to discuss the most appropriate solution for your circumstances.