It is extremely rare for the court to allow a creditor who has a charging order on your property to force you into selling your home. Most creditors are prepared to wait for you to sell your home at some point in the future and then to be paid out of the proceeds from the sale. If a creditor is not prepared to wait then they can apply to the court for a hearing. It is up to the court to decide whether to make an order for the sale of your property. The court will then take into consideration whether a sale would raise enough money to pay off the charge as well as any existing mortgage, or other secured loans, and also whether the court can legally order a sale. This is only possible if the debt is in your sole name and you are also the sole owner of your property, or if the debt is in joint names with the person who jointly owns the property. If you own your home in joint names but the debt is in your name only the creditor cannot apply for an order to sell the property. Very rarely the creditor may use other procedures to try to force a sale. You can still make an offer of repayment once you have gained employment and ask the court not to order a sale as long as you maintain the payments. You can also ask the court to adjourn the order for sale proceedings or suspend the order. The charge does not remove your rights to sell the property yourself should you be unable to secure employment