For a certain number of professions, having a County Court judgment (CCJ) against your name could have a serious impact on your job. If you think that a creditor is looking at getting a CCJ, you could apply for a Tomlin Order (a form of consent order).
A Tomlin order is a way of preventing a CCJ going ahead, if your lender is willing to agree to one as an alternative, you will normally only need a Tomlin Order if you want to protect your job.
When can I apply for a Tomlin order
You can only apply for a Tomlin Order once a county court claim has been issued but this must be before a judgment is entered. You need to contact your lender as soon as possible and explain your situation to them. You need to act quickly and might need the help of a debt specialist.