Of the 20 towns with the worst record for CCJs over the past year, eight are in the Midlands according to the Callcredit survey which showed how debt is affecting different parts of the country.
Yet while some areas escaped without any residents suffering a CCJ, Callcredit director Mel Mitchley warned that this could change in the near future as debt levels rise.
“A combination of record levels of personal debt combined with the recent interest rate rise could mean that over the next year we start to see CCJs in neighbourhoods that have so far been unaffected,” she warned.
A CCJ is usually entered when a borrower fails to repay debt and can severely impair a credit record.
As Britons struggle to manage their debt, over 0.75 million CCJs were registered over the last twelve months, one for every 50 adults in England and Wales.