A Charging Order: This is an order made by the court, which secures a debt against any property owned solely, or jointly, by the debtor. If the property is sold, or re-mortgaged, then the debt must be discharged from any proceeds. Charging orders can remain indefinitely on the property and the debt will accrue interest until the property is sold, or re-mortgaged, or an order has been obtained from the court compelling the forced sale of the property.
An Attachment of Earnings Order: This is a court order compelling the debtor’s employer to deduct money from wages, or salary. Such an order can only be made if a debtor’s income is “Pay As You Earn” (PAYE). Unemployed, self-employed or sole traders are excluded from this type of order.
A Third Party Debt Order, (sometimes referred to as a “Garnishee Order”): This is a court order compelling the debtor’s bank, building society, credit card, or bank overdraft to make payment(s) directly to the creditor. Third-Party Debt Orders depend on the debtor’s personal circumstances. If the debtor has little, or no, income whatsoever (or is on Universal Credit), then the chance of recovering any money is quite slim.
Order for Questioning: This is a Court Order which compelling the debtor to be questioned before a Judge under oath about their financial circumstances. Income and outgoings, employment, or home. If they fail to comply, a warrant can be issued for their arrest and they can be committed to prison. This type of order is usually used for individuals or personal, debts.