3. Administration orders

If you have a county court or High Court judgment against you, which you can’t pay in full, an administration order is a way to deal with the debt.

The debt must be less than £5,000.

You make one payment a month to your local court. The court will divide this money between your creditors.

The Money Advice Service has information on organisations that can advise you about whether an administration order is right for you.

Get an administration order

To apply, fill in an application for an administration order (N92), and return it to your local court.

The court decides:

  • how much of your debt you have to repay – for example, all or just part of it
  • how much your monthly repayments will be
  • how long the arrangement lasts

If you can’t pay all your debts the arrangement is known as a ‘composition order’.

Costs

There’s a court fee each time you make a payment. This can’t be more than 10% of your debt.

Example If you owe £5,000 the total fee can’t be more than £500.

Eligibility

You must:

  • owe less than £5,000, including any interest and charges
  • owe money to at least 2 creditors
  • prove you can afford your repayments - for example, give details of your income
  • have a county court or High Court judgment against you, which you can’t pay in full

Your responsibilities

You must keep up your repayments or the court can:

  • take money from your wages – known as an ‘attachment of earnings order’
  • cancel the arrangement

Public records

Your administration order is added to the Register of Judgments, Orders and Fines.

It’s usually removed 6 years after the date the order was made.

If you repay your debts in full your entry is marked as ‘satisfied’.

You can also ask the court for a ‘certificate of satisfaction’. To do this, write to the court and send a cheque for £15 (made payable to Her Majesty’s Courts and Tribunal Service).

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