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is an IVA classed as a CCJ?

No - an IVA is an insolvency procedure which enables you to offer an affordable overall settlement to your creditors, via either the offering of ongoing monthly contributions or a lump sum. A CCJ is a Court enforced requirement to pay a certain debt.

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

For further details contact me at http://www.melaniegiles.com and view my IVA blog at: http://melaniegiles.blogs.iva.co.uk

Hello Ruby,

County Court Judgement is the term for a judgement made against a person or company for debt in the county court. Generally if a CCJ is paid in full within 30 days of the date of the judgement it won’t appear in the credit register. CCJ’s are a matter of public record. They are catalogued and held for 6 years with the Registry Trust. If a judgement is settled after the 30 day period it will be entered into public record and this will affect your credit rating.


An IVA is a legal contract between you and your creditors, it is a legally binding arrangement supervised by a Licensed Insolvency Practitioner, the purpose of which is to enable you to reach a compromise with your creditors and avoid the consequences of bankruptcy.


Kind regards,



Julia Simavi

Shortlisted for Best UK Debt consultant by Credit Show 2007

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