Skip to main content

County Court Administration Order (CCAO)

You may be able to Stop Paying Creditors Today

Use our Bankruptcy Eligibility Checker to see if declaring yourself bankrupt could be the right option for you and what alternatives to bankruptcy may be available.

Find An Alternative To Bankruptcy – Start Your Analysis


County Court Administration Order (CCAO)

An administration order allows you to make affordable payments to cover all your debts when one or more of them is already subject to a Court order.

If you cannot afford to meet the terms of the CCJ and you have other debts, you can explain this to the Court in applying for a CCAO.

If you’ve been to Court over a debt, a County Court Judgment (CCJ) is issued formally detailing the terms you are required to repay it. However, the Court does not necessarily know your financial situation nor of other debts you must pay.

If the CCAO is awarded, you make regular payments to the Court which is shared between your creditors in proportion to how much owed to each.

There is no upfront fee, but the court takes 10p of every £1 you repay.

Can I get an Administration Order?

You can ask the Court who issues the CCJ to make an Administration Order if:

  • You owe no more than £5,000 in total to at least 2 creditors; and
  • You have a CCJ against you by one of your creditors that you can’t pay as per its terms.

Administration Order Benefits

Creditor Projection

Creditors included cannot take further action against you without the Court’s permission.

Just a single payment to make

The Court deals with the creditors and shares out the payments for you.

Flexible

If your circumstances worsen, you can apply to the Court to reduce payments.

Stops all interest and charges

This applies to all debts included in the order.

Administration Order Considerations

Creditors can object

Creditors can object to the Court and ask to be excluded from the order. The Court need not agree to this.

Failure to maintain payments

If you don’t keep up your payments, the order can be revoked and the creditors can pursue you again.

Risk of attachment of earnings order

If you don’t keep up your payments then the Court can make an order to take money directly from your wages or benefits.

All unsecured debts to be included

You can’t be selective. You must treat all your unsecured creditors equally by including them all.

This type of order should not be confused with a company going into administration; it does not impact the running of any business you have; nor is it a form of insolvency.

Composition Order

A Composition Order is a variation to a CCAO where, instead of being ordered to repay the full amount of your debts, you will be ordered to only pay a percentage of what you owe, with the remaining amount being written off.

We do not currently provide County Court Administration Orders, but offer a free consultation to determine your suitability and offer some free assistance in applying.

We’ll answer your questions to help you decide if going bankrupt is the right option for you.

Is Going Bankrupt Right For Me?

Going Bankrupt may be best for you if you can’t see how you can ever repay your debts


Free Online Bankruptcy Eligibility Check

Use our free bankruptcy eligibility check to see if declaring bankruptcy could be the best option for you.

Full Detailed Assessment

We’ll provide a detailed assessment based on your personal circumstances, making sure there are no unexpected implications.

Keep Your Home

If you’re a home owner then we can help prevent the loss of your home and any equity you have.

Free Help & Information

We’ll answer your questions to help you decide if declaring yourself bankrupt is in your best interests.

Stop Creditor Pressure

Are you being harassed by chasing letters, and phone calls, have you had debt collectors or bailiffs at your door? We can help protect you from any further creditor action.

Do I Qualify For Alternatives?

We’ll check, explaining the pros & cons of each, helping you make an informed decision on the course of action to take.

Call Our Helpline 0161 843 1515

We’re happy to answer your questions about any situation