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Administration Order

A County Court Administration Order is available to individuals who owe no more than £5,000 to at least 2 creditors. They must also have a County Court judgement against them by one of their creditors which they can’t repay in full. This option allows debtors to make a formal arrangement through the court to repay the debt at a rate they can afford.  An administrator of the court would receive the debtor’s income and after deducting a reasonable amount for essential living costs as well as a 10% administration fee will make proportionate payments to their creditors.

Creditors listed on the order cannot take any further action with regard to recovery of the debt without prior permission from the court. Creditors may object to the order by presenting their objections to the court and requesting to be left out however, it would be down to the judge to determine if this is to be granted.

The County Court Administration Order will last until the debt has been repaid in full, although it is possible to apply to make payments for a limited time, usually 3 years by applying for a Composition Order, which can be granted by a District Judge in cases where a debtors disposable income is so low that the debt would take an unreasonable amount of time to repay (usually exceeding 6 years). On successful completion of the agreed repayment plan and term, under a composition order any remaining debt would be written off and creditors could not legally pursue the debtor for any further repayment.

Who may be suitable?

  • Lives in England Wales & Northern Ireland
  • Unable to meet their contractual payments
  • Debt Level – £5,000 or less.
  • An ability to make an offer of repayment to creditors from their income.
  • Number of Creditors – 2 or more
  • At Least 1 County Court or High Court Judgement registered.

Risks and considerations:

  • Failure to maintain repayments under the terms of your credit agreements or hire agreements may result in the loss of services or assets and may have a severe effect on your future credit rating.
  • Failure to continue to pay taxes, fines, child support payments and other certain debts could result in the loss of access to essential goods or services, or repossession of, or eviction from your home.
  • A failure to maintain contractual payments to your creditors could result in further recovery action from your creditors which may increase your debt to that creditor as any costs they incur may be added to the debt.
  • There is expenditure restrictions placed on a person who is entering into an Administration Order.
DFH were understanding, caring, sympathetic and incredibly helpful. If you are struggling with debt - these people make debt their business to help you.

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