A County Court Judgment (CCJ) is a type of court order issued in the UK when someone has failed to repay a debt. It is usually issued after the creditor has sent several notices requesting payment, and the debtor does not comply. A CCJ can remain on your credit report for up to six years, making it difficult to obtain further credit during this time. The debt must be repaid within one month of the CCJ being issued, or you may face additional legal action. If you do not have the means to pay off your debt in full, it is advisable to contact your creditor and come to an agreement on repayment terms.