Though we accept that installments are best avoided on occasion these circumstances are inevitable. Where this situation occurs and after agreeing to a means test and due consideration we may accept an installm! ent repayment plan as an alternative to Court enforcement action. In such circumstance we would only agree to this action where the debtor is making a positive and constructive attempt to clear the indebtedness.

Litigation Service

A full litigation service is available through Renaissance and we will take care of all legal matters and inform you in advance of each of the legal actions to take place. All Court fees and Solicitors costs are payable by you and added to the debt subsequently payable by the debtor. Many creditors feel that entering Judgment is sufficient to obtain the recovery of the debt due.

Many debtors have Judgments recorded against them with the reality that enforcement action is infrequently taken. Although mediating throughout the course of events we do enforce all! County Court Judgments and will determine and advise our clients as to the most effective method of enforcement based upon our investigation into the debtors means.

Enforcement action may comprise but is not limited to;

	Oral examination- the debtor is ordered to attend before the District Judge to explain his financial circumstance.
	Charging Order- An order is charged against the debtors home and prevents that property being sold without clearance of the debt
	Bailiff action- The Court grants an order for the Bailiff to attend upon the debtor and repossess goods to the value of the debt.

Attachment of Earnings - An order is made of the debtors employers! to deduct the sum of monies owed to satisfy the debt directly from the debtors salary.