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If a court grants your creditor a final charging order, this means that if you sell your property, you must pay your creditor back out of the proceeds. If your creditor gets a final charging order, this doesn't mean you'll have to sell your property.
A charging order allows a creditor to garnish distributions to recoup money owed to them by a member or owner of a business entity. In particular, charging orders are used by claimants against limited partnerships (LPs) and limited liability companies (LLCs).
Paying off a charging order Ask the court for a certificate of satisfaction on your CCJ and include evidence of payment. Creditors will usually inform the Land Registry that the debt has been paid so that the charging order can be removed from your property.
A way of securing a money judgment debt obtained in litigation by imposing a charge over the beneficial interest in land, securities or certain other assets of a judgment debtor (person against whom a judgment was given or made).
Does a charging order expire after 12 years? The charging order on your home is recorded on the Land Registry until you pay the debt in full. It can then be removed by applying to the Land Registry.

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A charging order allows a creditor to garnish distributions to recoup money owed to them by a member or owner of a business entity. In particular, charging orders are used by claimants against limited partnerships (LPs) and limited liability companies (LLCs).
When your creditor has a court order against you, they can apply for another court order that secures the debt against your home or other property you own. This is called a 'charging order'.
A Charging Order on a property cannot expire in England and Wales. The Charging Order remains active until the creditor has been fully repaid, including any interest owed. But a Charging Order will expire after 12 years in Scotland.
Paying off a charging order Ask the court for a certificate of satisfaction on your CCJ and include evidence of payment. Creditors will usually inform the Land Registry that the debt has been paid so that the charging order can be removed from your property.
A charging order is a court order which imposes a charge on the freehold or leasehold property of a debtor in order to secure payment of a debt. The charge is registered with the Land Registry. If the court grants a charging order the unsecured debt becomes secured.

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