There is nothing worse than County Court Judgements - things get so bad that your creditors have to drag your debt disputes through the courts for all to see. And the aftermath is just as bad - creditors continue to circle round, there is no chance of any more financial help and there is a real prospect of losing your home. Some might think it's the end of the road after a long time struggling with debt - but they would be wrong. A CCJ mortgage could not only save your home, but could be the first of a long line of good financial decisions that will see you back on your feet.

A CCJ comes about once a creditor has successfully proved, in front of a County Court Judge, that you owe money. You must then pay that debt and unfortunately this mark will be on your credit rating for six years. This obviously will give you an adverse credit status and will limit your borrowing - that is unless you take out a CCJ mortgage and start cleaning your credit.

As well as a CCJ mortgage being the best choice for adverse borrowers, might be your only choice - as the credit crunch comes home to roost in the UK, lenders are becoming ever warier to lend to adverse clients. Only those who are hand-in-hand with a good adviser will be able to benefit. An adviser will have the inside track on the best lenders offering the most competitive, realistic CCJ mortgage.

A CCJ mortgage can only be found with the help of an adviser. This is because these loans are highly specialised deals, conjured up by highly specialised adverse lenders who exclusively deal with advisers. They only deal with advisers as they rightly believe that a CCJ mortgage is too complex and too risky to not be advised on at every step of the process. So your first step to getting rid of your CCJ woes is to talk to your adviser.

But why should you bother with a CCJ mortgage at all? Won't that just lead to more debt problems - it seems ridiculous to be considering more loans just after being dragged into Court.

Well, a CCJ mortgage can be seen as a ‘credit repair' deal, an antidote for your credit problems. As you meet the repayments on your CCJ mortgage, which could be considerably higher than a prime high street deal, lenders will see you can once again handle debt. Improving your credit is all about improving your lending reputation by taking on loans without getting any more bloody noses.

And there is no reason why you shouldn't keep your nose clean - your adviser can help you put together a plan that will see you make the most of your income and keep all your outgoings under control. So as the life of the CCJ mortgage goes on, your credit rating will report that you are a good borrower.

And after a CCJ mortgage you may have repaired your credit enough so as to be eligible for a more prime deal with a better rate - the ultimate dream for anyone blighted by a CCJ. This means the harder you work to keep up a CCJ mortgage now, the more you can save on your next deal.