The Debtors

Once a creditor has established a County Court Judgement or CCJ against the debt, it is possible for them to get an earnings attachment. An attachment of earnings gives the creditor the ability to deduct money from a debtors salary to repay outstanding debts. An employer can also deduct £1 for administering the earnings attachment.

When Can an Earnings Attachment Be Applied for By Creditors?

An earnings attachment can be applied for if one of the following situations apply:

• A debtor has fallen behind with payments and a CCJ or County Court Judgement has been registered;
• The debtor has an employer;
• More than £50 is owed on the CCJ or County Court Judgement.

If a debtor is self employed or on benefits, it isn't possible for a creditor to apply for an earnings attachment.

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