Charging Orders   An unsecured creditor may apply to the Court for a charging order against a debtor’s property. Commercial lenders such as credit card companies and utility companies will often protect their interests in this way. The order will require the debtor to pay a fixed sum (though interest will accrue on that sum) and will oblige the land registry to accept an application to register the order as an equitable charge. As with a mortgage, the owner could not sell the property