Yes, you can still apply for debt counselling even if you have judgements against you, but with some limitations.
Important points to note:
• Accounts that have already been handed over for legal action or have a judgement may not be included in your debt review
• We can still negotiate affordable repayment terms on these accounts separately
• All other accounts without judgements can be included in your debt review
• The sooner you apply, the more accounts we can protect
Contact us immediately if you have judgements – we can assess your specific situation and advise on the best approach.