Adminstration Order

An administration order is a debt solution that goes through a local county court and is for people who have

debts under £5,000.
atleast two creditors.
a CCJ (County Court Judgement) against them which they can't pay.

In an Administration Order you pay the court a weekly, monthly or quarterly payment from your income. The court then distributes the payments to your creditors according to the portion of debt they are owed. The court also takes their fee from the payment which can't be more than 10% of the debt.

How do I set up an Administration Order?

You can apply for an Administration Order by completing an N92 form (Application for an Administration Order) . You can obtain this from your local court office or online.

You must list all your personal details, employment details, income, expenses and list all of your debts on the form. If you have joint debts with a partner, you must fill out your forms separately and both include the full list of debts on both forms.

How much will I pay?

The amount you pay depends on what the court decides you can afford. Your payment will be worked out from analysing your N92 form. If you feel you cannot afford to pay the amount asked for in the order, maybe due to a circumstantial change you can ask the court to review the order and reduce the payments. An Administration Order will continue until the Debt is paid off in full. Details of your Administration Order will remain on your credit reference file for a period of six years from the date of the Administration Order.

Advantages of administration

Creditor harassment will stop and the creditors involved wont be able to take any action against you.
The court will deal with everything on your behalf.
Interest and charges are stopped.
There are no upfront fees to pay.

Disadvantages of administration

Creditors can object the administration Order and ask to be excluded from it. Although the court does not have to agree.
If you don't keep up the payments, the order can be revoked, leaving the creditors to pursue you again.
If you don't keep up payments the court can take the money from your wages, known as an 'Attachment of Earnings Order'.
If the court makes an'Attachment of Earnings Order' you employer will find out about your financial situation.

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debtadvicenorthernireland.co.uk is owned by McCambridge Duffy who are one of the leading Insolvency firms in the UK and have been in the financial industry since 1932. McCambridge Duffy solely provide IVAs and other Insolvency solutions.

On our site you will find information on debt solutions, both formal and informal. We provide this information so you have a clear overview of the options available for dealing with your debts. We do not offer informal debt solutions, so if an insolvency solution is not your recommended course of action, with your permission, we will refer you to an appropriate agency/provider that can assist you further.

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