What is the purpose of ccj?

A County Court Judgment (CCJ) serves to formally record a court's decision that an individual or business owes money to a creditor. It is typically issued when a creditor has taken legal action to recover debts and the court finds in their favor. A CCJ can negatively impact the debtor's credit rating and remains on their credit record for six years, making it harder to secure loans or mortgages during that time. Its primary purpose is to enforce repayment and provide legal documentation of the debt obligation.