Hello I hope someone can help as I am so confused. We are currently on a debt management plan with Baines and Ernst, and have been making payments to one of our creditors for the last 10 years. However, over the last 6 months this one creditor has decided to take us to court for the full balance (9.5k). And after it going to court in the February 2008, the court agreed to us paying what we have always paid. Then back in April the Solicitor working on the creditors behalf dent us a letter saying that they then wanted to apply for a charging order on our property and it was then arranged to go back to court on 24th June 2008. Last week we received a letter and an old case stating that the judges decision could and would possibly overruled, and sent us someone elses case as proof that this could and can happen as it happened to the couple reffered to in this case and the judge could over rule and grant a charging order on the property. Well it went to court on 24th June 2008, and we have today received a letter from the County Court, and after calling Baines and Ernst I still cannot make head nor tails of what this letter implies. It says that before the judge on 24th June, it is ordered that the Installment order be varied so as to provide that the balance of the judgement debt be payable forthwith. What does this mean? Baines and Ernst told me that they were trying to get us to pay the balance in full. But this cant be, as that is the reason why we are with Baines and ernst, because we cannot financially afford to pay this debt off in full all in one go. Hense why we pay them monthly payments which our creditor has been banking for the last 10 years. Hope someone can help me as this whole situation is starting to make me ill. Thank you