Administration Orders

An Administration Order is a formal debt solution available through the county court. It allows you to make one affordable monthly payment towards your debts, which the court distributes to your creditors. It is only available if you have at least two debts, owe less than 5000 pounds in total, and have a county court judgment (CCJ) against you.

Here is how an Administration Order works: 1. You apply to your local county court 2. The court assesses your income and expenses 3. If approved, the court sets a monthly payment you can afford 4. You make one payment to the court each month 5. The court distributes money to your creditors 6. Creditors cannot take further action against you while the order is in place The order typically runs until you have paid off your debts or for a set period.

To qualify for an Administration Order, you must:

• Have at least two debts
• Owe less than 5000 pounds in total
• Have at least one county court judgment (CCJ) against you
• Be able to afford regular payments

If you owe more than 5000 pounds, you may need to consider other debt solutions like an IVA or Debt Relief Order.

Benefits of an Administration Order:

• One monthly payment - Easier to manage than multiple payments
• Legal protection - Creditors cannot take further action
• Affordable payments - Based on what you can actually afford
• Court supervision - Official oversight gives creditors confidence
• Possible debt write-off - The court may order a composition order where you pay less than the full amount

Before applying, consider:

• Credit rating impact - The order stays on your credit file for 6 years
• Public record - Administration Orders appear on the Register of Judgments
• Court fees - A fee (usually 10 percent) is deducted from your payments
• Not suitable for all debts - Some debts like child maintenance cannot be included
• Must keep up payments - Missing payments could mean the order is revoked

To apply for an Administration Order: 1. Get details of all your debts and the CCJ against you 2. Complete form N92 (available from your local county court or online) 3. Provide evidence of your income and expenses 4. Submit the form to your local county court 5. Attend a court hearing if required 6. The court will decide whether to grant the order You can get help completing the forms from a debt adviser.

Not sure if an Administration Order is right for you? Our advisers can:

• Assess whether you are eligible
• Explain all your debt solution options
• Help you prepare your application
• Support you through the process

Contact us today for free, confidential advice.